23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, experian, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX 6.  XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Debt collection

I have attempted on many occasions to have this debt deleted. FAIR COLLECTIONS & OUTSOURCING hast two debts listed on my credit report. I asked this company to verify this was my debt and they did not verify all of the requested information nor did they respond in a timely manner. I want both of these debts deleted from my credit files. I asked this company to forward details about their authority to collect this debt, whether they were licensed in my state and if so to provide the date of the license, name of the license, license number, and the name of the state agency issuing the license. They also provided my mailing address as XXXX XXXX XXXX XXXX MD. I have no idea whose address this is. I sent a certified copy of the correspondence the documented date they responded was the year XXXX. I want this information removed from my report immediately and I don't want them to have the ability to ever report it again. I am trying to get a personal loan for consolidation and this collection continues to hinder me from getting the loan.
Product: Credit reporting 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.

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of outdated or incorrect addresses from my credit report. I have reviewed my current report, and I noticed that the following addresses are listed under my personal information : XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ca XXXX These addresses are no longer valid and should not appear on my credit report. I kindly ask that you investigate these addresses and, if confirmed as inaccurate, remove them from my file.
Product: Checking or savings account

5TH 3RD BANK REFUSE TO INVESTIGATE UNAUTHORIZED USE OF A SLOLEN OR LOST DEBIT CARD I CAUGHT THE XXXX XXXX AND IT COST ME TO HAVE XXXX XXXX XXXX SO I WROTE MY PIN # ON PAPER AND TAPED IT TO THE BACK OF THE DEBIT CARD, 5TH 3RD WAS TOLD THIS ALSO. A 5TH 3RD BANK EMPLOYEE TOLD ME TO GO MAKE A XXXX XXXX  OF THE UNAUTHORIZED USE OD A DEBIT CARD, SO THATS WHAT I DID AFTER FILLING A ID THEFT REPORT WITH THE XXXX XXXX AND WITH THE XXXX 5TH 3RD STILL REFUSE TO INVESTIGATE THIS MATTER PROPERLY I CALLED FOR MONTHS AND ALL I KEPT GETTING WAS 5TH 3RD EMPLOYEE FROM OFFSHORE THEY HAD NO IDEA OF WHAT WAS GOING ON WITH MY ACCOUNT THEY HAD NO IDEA OF WHAT I WAS TRYING TO EXPLAIN TO THEM AND I HAD NO IDEA OF WHAT THEY WAS TRYING TO EXPLAIN TO ME DUE A LANGUAGE BARRIER BROKEN XXXX I WAS TRANSFERRED TO OTHER OFFSHORE 5TH 3RD BANK EMPLOYEE WHO REFUSED TO TRANSFER ME TO A XXXX XXXX AT 5TH 3RD I WAS TOLD THEY CAN SUDMIT A REQUEST BUT NO ONE EVER CALLED ME BEING A VICTIM OF XXXX IS SOMETHING I COULDN'T HELP IT COST ME XXXX XXXX LOST SO I HAD TO WRITE THE PIN # ON THE BACK OF THE CARD WHAT I CANT UNDERSTAND IS WHY 5TH 3RD BANK NEVER CONTACTED ME OF MONEY BEING SPEND ONLINE OR IN DIFFERENT CITYS AND STATES WITH ALL THE CREDIT CARD AND DEBIT FRUDS THEY DIDN'T EVEN PALCE A BLOCK OR A FREEZE ON THE DEBIT CARD THEY JUST ALLOWED THIS TO GO ON. AFTER I WAS TOLD TO GO FILE A THEFT REPORT WITH MY XXXX XXXX STATION AND I SENT THE POLICE REPORT NOTHING EVER HAPPENED ALL I KEPT GETTING WAS UNEXPERIENCED 5TH 3RD EMPLOYESS WHO HAD NO CLUE WITH LACK OF TRAINING THIS IS A MATTER THATBNEEDS EXPLAINED BETTER OF HOW THIS WAS INVESTIGATED AND HOW I WASNT CONTACTED THIS WILL BE THE XXXX REPORT FILED AND THE REPLY TO THE OTHER COMPLAINT WAS THEY ARE STILL WORKING ON IT
Product: Credit card or prepaid card

On XX/XX/2023 I was charged two times by XXXX XXXX for the amount of XXXX each. I was travelling in California at the time of these fraudulent charges. I was then charged another XXXX  each time on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX of 2023. I noticed the charges and report the fraud on XX/XX/XXXX where I was temporarily credited the amounts back and I closed the card in question for safe measures. However the very next day of these fraud reports, CapitalOne banking still allowed another {$99.00} charge on XX/XX/XXXX, which was later temporarily refunded on XX/XX/XXXX. Then they reinstated XXXX of the XXXX XXXX} charges on XX/XX/XXXX, then XXXX last reinstatement of XXXX on XX/XX/XXXX. I have since attempted to work with the XXXX merchant instead and 1 piece of information they have requested is the 16-digit credit card number which neither I nor the bank can provide. After the huge upset of these fraud charges, I shredded and disposed of the card on XX/XX/XXXX. Now the bank states they can not further assist me with these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on all 3 credit bureaus. Theyre reporting a collection account which I have asked for validation of debt with original credit application with my wet signature on and they cant provide validation of debt. Partial account number I have is XXXX taken off of my experian credit file. 
This account is also in violation of metro 2 fair credit act
Product: Mortgage

original complaint filed was XXXX The bank has created a letter and signed over a small amount of money to me as a credit but they are covering their tracks and writing misleading letters non of which has accurate information. 

I am trying to resolve this issue after 7 plus years and this last complaint was closed so a new one needs to be opened up. 

I have attached the email sent to both the XXXX branch XXXX and the Vice President of BMO Harris Bank named XXXX XXXX. This email is in response to the signed letter to me dated XXXX XXXX by XXXX from BMO Harris.. 

It is in direct opposition to their letter to me which was supposed to rectify this previous complaint filed and was created to cover their tracks in my opinion. 

Harris Account number ending in XXXX has been reported 90 + days late on 25 occasions and they refuse to change this on my credit report as well.
Product: Credit reporting or other personal consumer reports

I sent letters out XX/XX/2023 to XXXX, XXXX, and Equifax, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and living human being that has rights under 15 USC 1681.

It is clear that Equifax which is governed by 15 USC 1681 has violated my rights via their Data Breach and Fake Score admission. 

What is most egregious is that Equifax had not only violated numerous consumer rights but my privacy rights, too. They have given my personal information to third parties without my written consent. 

It is very clear that they have committed identity theft. 

I do not trust Equifax because it is clear that they have used my information for personal gain and have a complete disregard for my well-being personally. 

They are not looking out for my best interest. 

I have been financially, emotionally, and psychologically violated and I want restitution immediately by the removal of the following accounts from my credit report. 

See the attachments for proof of such facts. 

Also, here are the following consumer laws that Equifax Knowingly and Willfully Violated : 15 USC 1681 Accuracy and Fairness of Credit Reporting 15 USC 1681 ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ) - This one includes the right to privacy 15 USC 1681b Reasonable procedures 15 USC 1681b ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. 

You will also find, via attachment, the info. about my Equifax Data Breach and Equifax Fake Score admission.
Product: Mortgage

I am trying to sublet an apartment that is part of a co-op. I found a sublet who wanted to move in XX/XX/2021. The co-op board requires a " letter of consent to sublet '' from the mortgage lender. In order to start the process I called my mortgage lender on XX/XX/2021. They told me to send them a fax with my loan number which I did immediately. They them sent me a questionnaire ( see attached document ) through the mail which I received on XX/XX/XXXX. The letter also asked for other documents that had to be provided. I am unsure why they could tell me that I would need those documents when I contacted them on XX/XX/XXXX as I lost valuable time getting them from the co-op board. I finally got all the documents and send them to the bank directly by email to speed up the process and impressed on them the time sensitive aspect of this matter ( see attached email correspondence ). I then sent multiple emails asking for updates and it is now XX/XX/XXXX and my point of contact at the bank is telling me she is just now starting to look at the documents and is unsure if she'll be able to send them via email instead of by mail which would take another few days. 

So in conclusion I started a process 7 WEEKS ago to get a simple document from my mortgage lender in order to be able to sublet my apartment. Due to their negligence and extremely slow process I have been unable to start the lease as expected and I am losing considerable rent revenue and I am at risk of losing the renter as well which would set me back even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2023, The company XXXX XXXX XXXX combined my student loans together. Previously, there were 3 accounts that emerged into one account held by XXXX. By doing so the major credit bureaus : XXXX, XXXX and Trans Union dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my FICO score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : Experian : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$86.00XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings account. Capital One Misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rated offered by the XXXX XXXX savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, upon review of my Experian credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Product: Debt collection

A collection showed up on my credit report that I was completely unaware of. after filing a dispute with experien, the results were confirmed that I own the debt apparently. However, I never received any communication regarding it and still don't know what it's from or about. 

I never received a single letter of communication
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Contemporary Information Corp. 
XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am challenging the validity of this alleged eviction you have listed on my consumer report. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with XXXX XXXX XXXX XXXX XXXX. 

To my knowledge your company has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me so with, please send me ANY supporting documents you have on file that you believe justify such defaming information. I am expecting a response from you within 30 days of this letter. If such documents can not be produced, please delete this eviction from my report immediately. 
Best Regards, XXXX XXXX UCC 3-305 The absence of verification from the landlord or property management company constitutes a valid defense against the alleged debt or eviction, as there is no authenticated evidence provided to substantiate the claim. UCC 3-501 My request for verification of this eviction record serves as a formal presentment. Given that no adequate response was provided, this failure indicates that the presentment is dishonored, rendering the eviction claim unenforceable. UCC 9-625 Although typically applied to secured transactions, this section underscores the rights of the party whose information is incorrectly reported or handled without proper validation, justifying the removal of unverifiable information.
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 detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 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 : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.