23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXXXXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Summary : hard credit pull from credit card I did NOT apply for Company : XXXX XXXX XXXX Concora Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card : Indigo XXXX Received an email on XX/XX/2024 ( from XXXX ) saying my application for their credit card was denied. I did NOT apply for this credit card. Checked my credit and there has been a hard credit inquiry from this company. When I tried to call the company for more information the automatic answer requested my social security number before I could talk to a person. I was not comfortable sharing that information and was not able to talk to a company representative. 

Note : I have not lived at the address used for the application in over 18 months.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required XXXX report I filed on XXXX XXXX XXXX regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. Please have these accounts deleted from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting or other personal consumer reports

XXXX continues to report asserted deficiencies on my consumer report after my CFPB complaint on XX/XX/year>, complaint # XXXX clearly REVOKING THEM ELECTRONICALLY from reporting these deficiencies. I have EVERY RIGHT TO EXERCISE AND REVOKE XXXX FROM REPORTING ANY AND ALL INFORMATION TO THE CONSUMER AGENCIES. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801 which also states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's NONPUBLIC PERSONAL INFORMATION. XXXX is a financial institution by definition under this title. 15 USC 1681 section 604 A section 2 does states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX is a financial institution and the Consumer reporting agencies XXXX, Experian and XXXX DO NOT have my consent to furnish this information and they MOST DEFITNITLY DO NOT have my written consent. ANY AND ALL consent to XXXX, Experian, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED! BRIDGECREST NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I paid my GM Financial account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then GM Financial has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card or prepaid card

Recently opened a new credit card account. Noticed the card includes a cash advance limit of {$10000.00} which I will not use nor do I want included as part of this card. On XX/XX/XXXX, called customer service, as directed in a secure message to request same of XX/XX/XXXX, to request cash advance limit could not be adjusted.
Product: Credit card or prepaid card

Complaint against : ( 1 ) XXXX XXXX XXXX that handles my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,  OH XXXX, Phone : XXXX  and ( 2 ) XXXX XXXX , XXXX. ( third party biller for XXXX XXXX XXXX  ), XXXX XXXX XXXX , XXXX,  FL XXXX, phone : ( XXXX  ) XXXX Here is a chronological order of events that have taken place so far, ( a ) A balance transfer of {$8700.00} was requested by me in XX/XX/XXXX from my XXXX   credit card to my XXXX XXXX XXXX credit card. Subsequently, a cashiers check for {$8700.00} was issued by XXXX XXXX XXXX  's third party biller service XXXX XXXX  and sent to XXXX XXXX XXXX credit card.

( b ) The check was deposited in my XXXX XXXX XXXX  credit card on XX/XX/XXXX ( c ) On XX/XX/XXXX, XXXX XXXX XXXX  card decided to reverse this transaction. So, XXXX XXXX XXXX mailed a cashiers check for {$8500.00} back to XXXX XXXX. XXXX XXXX XXXX cashiers Check Number XXXX, dated XX/XX/XXXX ( d ) XXXX XXXX XXXX   received this check on XX/XX/XXXX and deposited in their XXXX XXXX XXXX, Bank # XXXX, and sequence XXXX. 
( e ) However, his amount of {$8500.00} was never credited back to my XXXX XXXX XXXX  by XXXX XXXX XXXX.

( f ) In the last 16 months, I have written 6-7 times ( certified mails ) to XXXX XXXX XXXX about this issue. They have always replied that " they never received any check for {$8500.00} ''.

( g ) I spoke with XXXX XXXX  in XXXX XXXX  on XXXX. Upon checking her records, she indicated that {$8500.00} was in fact transferred to XXXX XXXX XXXX through ACH. She indicated having proof of XXXX XXXX XXXX  ACH debiting XXXX XXXX for the amount of {$8500.00}.

After 16 months of getting a run-around by all involved parties in this issue, I am completely frustrated and filing this complaint. I am requesting that this amount of {$8500.00} be credited to my XXXX XXXX XXXX ASAP. I am also asking that I be credited the balance transfer fee of {$87.00} as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not following the laws of consumer report 15 USC 1681b ( a ) ( 2 ) and ( c ) which states in the accordance with the written instructions of the consumer to whom it relates ( meaning they have to have permission from me to put that on my credit report and I didn't give nobody permission to put a student loan on my credit report so I revoke them for putting that student loan on my credit report ) I would like that move immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX  XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent my FTC report and my ID with proof of my address to EQUIFAX and EQUIFAX refuse to investigate and remove the unauthorized inquiries from my credit report. I have reason to believe and do so believe EQUIFAX is refusing to investigate and remove the unauthorized inquiries from my credit report because I didnt send a copy of my social security card. I have provided EQUIFAX with my social security number to authenticate and verify my account several times when I called the company on numerous occasions regarding this matter. I have successfully verified my account with EQUIFAX numerous times and each representative of the company refused to do their job. Someone stole my social security card and I recently went to apply for another one. The Social Security XXXX gave me a confirmation receipt with my social security number at the appointment. The confirmation receipt is all I have to submit to EQUIFAX until my card arrives in the mail. Please see my initial dispute here. I demand these unauthorized fraudulent inquiries be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter. I assure you will not discriminate.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a XXXX XXXX XXXX ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX   XXXX not mine XXXX XXXX never late XXXX XXXX XXXX {$580.00} not mine
Product: Vehicle loan or lease

Concerning our car loan with Ally Financial Inc. A letter dated XX/XX/XXXX from a XXXX XXXX XXXX the Executive Customer Relations division, stated in a letter she would inform all credit bureaus Ally Financial Inc. was incorrect in reporting us 30 days late in XXXX. The 30 days late remains on our credit report, adversely affecting our credit profile. I have made several attempts to communicate with a XXXX XXXX, leaving her voicemails. As of XX/XX/XXXX, XXXX XXXX has not responded to my calls. 

Additionally, despite Ally Financial Inc. falsely repossessing the vehicle, taking advantage of the Covid-19 waiver period, stating we would not be reported late, this was false. We were reported late every month during the 90 day waiver period. Again, in XXXX when we became displaced from our home due to mold, we were informed Ally Financial is willing to " negotiate '' any late fees at the end of the loan. We trusted this pledge. However, they refuse to waive or negotiate any of the late fees and will not release the title. We trusted Ally Financial to a honest and trustworthy bank. However, Ally Financial has all but destroyed our faith in their promises. Verbally or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Transunion, XXXX and XXXX dispute letters. The credit companies are not complying with their own policies in a timely manner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.