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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
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 XXXX Account Name : XXXX 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: Student loan

Navient calls me more excessively everyday to work on getting my account current. I have expressed to them multiple times, that I am going through a rough personal time but they do not see to care. 

Sunday, XX/XX/XXXX @ XXXX Monday, XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Tuesday, XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The above is a list of the last three days worth of phones. That is nuts.
Product: Credit card

I closed my account in XXXX because I paid a large sum on my credit card and they would not honor the payment even they it was showing be accepted by them and leaving my account. When I closed the account I had autopay set up to pay the minimum payment per month to avoid any late charge. Apparently, when I closed the account they turned off my autopay and there was a small balance of {$81.00} dollars and some change that the autopay would have covered had they not shut it off. Because they shut off autopay on the account, the {$81.00} was not paid by the due date and I was charged a {$29.00} late fee. They acknowledge that autopay was shut off and refused to refund the {$29.00} because the account is closed.
Product: Credit reporting or other personal consumer reports

This is not my account. I have written the company several times and have advised them to delete this false and misleading information off my credit file and they have not responded back to me. 

XXXX Account # XXXX .....
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was illegally reported to my account. My lawyer reached out to this establishment to begin deliberations after they refused to fix the issue, and they reported during disputes. 

I also reported this account in 2019 for the amount of {$960.00} and it has not been removed nor accurately notated on my report as such. I have email communication with them explaining that their charges were inaccurate and also not communicated properly.
Product: Debt collection

Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft.
Product: Mortgage

we applied for a loan through first home mortgage. it was a 203k loan. the initial amount was for XXXX after we closed our loan first home sold the loan to home point financial. we informed home point that we would not require the entire {$190000.00} as we were not giving zoning for the extension/ improvement. we borrowed a total of {$61000.00} dollars from them. we informed them of this and they told us that we have to use the entire {$190000.00}. we repeatedly told them that we were done and all that was needed was the {$61000.00}. they said that they didn't care and we have to use the full amount, and continued to charge us for the {$190000.00} sum. they also told us that we have to use the same contractor for all work even after we informed them that this contractor was no longer in business for personal reasons. we have paid large amounts of money in interest payments and nobody at the bank will speak to us. they just keep hanging up
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX  XXXX {$140000.00}
Product: Credit card or prepaid card

In XX/XX/2019 I was charged {$590.00} for interest. At that time my balance on the best buy citi card was below {$500.00}. Now my bill is over {$1000.00}
Product: Bank account or service

On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.
Product: Mortgage

After filling a complaint against Select Portfolio Servicing on XX/XX/2022, concerning the closure of my escrow account, pertaining to my home taxes and home insurance. And after I complained about receiving my monthly statements late, I was notified on XX/XX/2022 that SPS had caused my credit to drop XXXX points. I have never paid a payment late. SPS is practicing unscrupulous, corrupt behavior. SPS did close my escrow however, now the payment is wrong. It shows principal and interest as {$550.00}, when the correct amount is {$530.00}. What this company is doing is illegal and they are not complying with the law. It is against the law to report lies to the credit bureau out of retaliation. The practices within this company is against the law.
Product: Checking or savings account

XXXX work was needed. XXXX XXXX was found and we had conversation that they can do XXXX. We had agreement and contract of getting work done. I was scammed out of this money {$3000.00} Funds sent XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605B & 605C of the Fair Credit Reporting Act. I am the victim of identity theft, Experian is reporting inaccurate information on my credit report. I would like for all listed accounts to be blocked and deleted company information Experian. 
Please delete the following accounts XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$14000.00} Date opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been illegally reporting three bankruptcies on my credit report. When disputing, the response is, " verified, remains ''. When I've asked who XXXX spoke with at the XXXX XXXX XXXX XXXX ( Federal Court ), they have stated they got the information from Lexis Nexis. 

I do not have an account with Lexis Nexis and I am not sure how they have access to my SSN. I requested an Opt Out as of XX/XX/2023 and Lexis Nexis states it will suppress any public records to third parties. 

Lexis Nexis and XXXX have mislead the info seekers resulting in high interest rates and turn downs on home loans, credit cards, and a loan from XXXX XXXX  Lift Loan which helps minority businesses with their small business loans. Additionally, the SBA also refused lending to me because of these three bankruptcies illegally reported on my credit report.
Product: Debt collection

I payed XXXX XXXX in a settlement the full amount of XXXX they have not yet removed the auto debt of over XXXX dollars off my credit reportthey gave it to a law firm for collections account number XXXX confirmation XXXX LEVY LAW FIRM LLC
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.
Product: Mortgage

I immediately submitted a complaint with US Bank about the process and the many times the Loan Modification was changed. 

The Modification was submitted on XX/XX/XXXX. 
The XXXX XXXX was changed and modified on the following dates. 
XX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXFigures changed again after the results that submitted to US Bank Complaints Department -XX/XX/XXXX - {$940.00}. 

I believe it should not have taken this long nor should the modification papers have been changed several times and I have reported this to the VA requesting that they review the Mortgage Modification for accuracy and improper handling.
Product: Checking or savings account

Hi so {$220.00} was taken out of my chime account on XX/XX/2022 without any authorization.
Product: Credit card or prepaid card

This card is incorrectly labelled as a credit card. It should be labelled as a retail store card because it can only be used at Target ( it is not a Visa/MasterCard to be used anywhere ). Certain banks, such as XXXX, make credit decisions based on the number of credit cards open recently, but exclude store cards.
Product: Credit reporting

I have XXXX open collections on my TransUnion from XX/XX/XXXX, and XX/XX/XXXX. I went bankrupt in XX/XX/XXXX and these should be closed. 

Also I have XXXX open collections on my XXXX report from XX/XX/XXXX that were also part of my bankruptcy in XX/XX/XXXX that should not longer be opened. 

This was case number XXXX, XXXX District of Wisconsin. Please correct to reflect accurate credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

The equivalent of XXXX USD was transferred from my XXXX XXXX  your services. I never look backwards except for learning, nor do I have a proclivity to blame others for my downfalls, however, I cant help but link this enormous loss with the trust I had instilled in your institution, a regulated one.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also, it is illegal these companies should NOT be furnisher peoples information to XXXX party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. 1. XXXX XXXX XXXXf XXXX, was changed to XXXX XXXX, 2. XXXX XXXX XXXX replaced an account onto my credit file as well. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
Product: Credit reporting or other personal consumer reports

Lexis Nexis allowed XXXX XXXX to run an inquiry not once but twice on the same day without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am I real person and not a third party filing this report. The following credit reporting agencies are reporting inaccurate information on my report. And I would like it removed. Please see attached documentation.