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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary 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   - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-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 an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
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 und 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

To Whom It May Concern, I have a collection account on my XXXX  and XXXX credit bureau file from the company, Portfolio Recovery Associates, account number listed as XXXX*. Please be advised that I am disputing this information due to the fact that Portfolio Recovery Associates does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Portfolio Recovery Associates DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ACCEPTANCE NOW - XXXX XXXX  XXXX BANK - XXXX XXXX XXXX BANK XXXX - XXXX XXXX XXXXL 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 CO - XXXX None - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXL - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX VIA DEALER - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX  XXXX VIA DEALER - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CAP XXXX VIA DEALER - XX/XX/XXXX AN XXXX XXXX XXXX - XX/XX/XXXX CAP XXXX VIA DEALER - XX/XX/XXXX XXXX FINANCE - XX/XX/XXXX COGGIN XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ACCE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. the accounts i am talking about are listed below : 1XXXX XXXX acct XXXX  XXXX 2. ohio dept of human serv- acct XXXX  XXXX 3. XXXX XXXX XXXX- acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

XXXX  I am very irrated they told me if i keep disputing my account will be shut down and i wont have access to cashapp anymore with threatening me, it made me worry about my money so i stopped using cashapp! 
There is a huge purchase on XX/XX/XXXX for XXXX from indy? dont know what that is XX/XX/year> a hotel purchase i never bought for XXXX. 
XXXX XXXX for XXXX didnt make that purchase XXXX and buster XXXX PWC for XXXX dont know where that is anywhere near me didnt make that XXXX. 
Journey kidz for XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to address inaccurate information being reported by the credit bureau regarding my account. Specifically, I have been charged twice for the same account, leading to incorrect balances and amounts being reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. 

I have made several attempts to resolve this matter directly with the credit bureau, providing all necessary evidence to demonstrate the duplication and inaccuracy of the reported information. Despite my efforts, no remedy has been provided, and the inaccurate reporting persists. This failure to address the dispute violates my rights under the FCRA. 

The incorrect reporting of this duplicate account is adversely impacting my credit standing, and I request immediate intervention from the CFPB to ensure the credit bureau investigates and corrects this error in compliance with the law. I have attached supporting documentation, including correspondence with the credit bureau and evidence of the duplication, for your review. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. Please let me know if any additional information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX. 
XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Montgomery Ward is reporting a account on my credit reports that I did not open I want my right by fair credit 609 for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CIS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting

The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX
Product: Mortgage

Over the past 3 years upon renewal subsequent to past issues prior, there have been very serious constant errors, negligence, personal information comprimised, lack of payment statements and possible fraud, misappropriation of funds. 

I called for months, found out my telephone payment were randomly applied, and applied incorrectly and the ach debit id that correlated to my bank account reflected mans cell phone that work for the processing company for BMO Harris bank, XXXX XXXX, After finally reaching the Presidents office 3rd year in a row, the head VP of complaints in USA, XXXX XXXX, year 2018, and now Mr. XXXX XXXX, after a full investigation they closed my loan and rebooked without my convent, immediately following my verbal and text communication that I wanted out, they should forfeit my loan, I seriously think they should be fully Audited for the portfolio that they gave to XXXX XXXX when the bought XXXX XXXX  charter from the FDIC. I have records of misconduct, negligence and privacy rights disclosed to a landscaping company. Misappropriation of funds etc. iIve never experienced anything like this. Most recent statement made no sence. My last phone payment never went through, they called me today to tell me I never paid, I said I did the same way I did every month, they said this month I had two loan numbers, so my payment never went through, now I called after work to verify, and it does not recognize my loan number? 

What they have done is illegal, again the us department of treasury as well as the remittance rule over and over, most importantly my human right. 

XXXX XXXX  is horrible as their reviews clearly state, yet for well over 3 years Ive had So many problems, now they are verbally lying saying I did not make this months payment, sent me a false statement, and No XXXX called me today to say they had to rebook my Heloan? 
I signed nothing! 

I would like council, I believe they should be fined or resin my loan. 
Its that horrible! 
Please contact me, XXXX XXXX XXXX. Us Inspector General
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Product: Consumer Loan

I have a loan with Springleaf Financial services through the XXXX Ohio Branch.. I have had financial difficulty for a few months and have not been able to pay my agreed payment in a timely matter. The branch manager called me at work XX/XX/XXXX I believe. I work for a collection agency and all of our phones are on a recorded line. I ask him to not call me at work do to the recorded line and told him I would call him back. He continued to discuss my default on this call, I hung up on him. When I got off work I called him, I explained to him about the recorded lines and that all collection agencies have them. He said " that 's not true my lines are n't recorded and I am calling to collect on your loan '' and giggled. I again ask him not to call me at work. He said ok and thanked me for scheduling a payment. On XX/XX/2016 he ( XXXX ) called my work again and left a message with a co- worker to have me call him. I should not have received another call at my work number after telling him XX/XX/XXXX not to call me at work..
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I applied online at Speedy Cash to get an installment loan. I received and signed paperwork online stating that I would pay payments from every check in the amount of {$120.00} starting XX/XX/XXXX. I was told that I would receive {$450.00} and I did in store. I was told payments were for a year and I was going to pay almost {$1600.00} for borrowing {$450.00}. When I went in person I was told in person that year of payments was only covering interest and I would still owe the principal on the loan. The interest is 677 %. Is this legal?
Product: Checking or savings account

Hello, My complaint is targeted toward Bank of America. I already have a claim # with the bank ( XXXX ), however, the claim is now closed. I am going to provide a detailed time-lapse of the events that took place : XX/XX/XXXX, between XXXX XXXX XXXX XXXX XXXX I visited ATM ID ( XXXX ) to deposit {$8000.00} in cash to my account ending in XXXX, the machine had an error, none of the money was successfully deposited, thus resulting in the lack of receipt, the cash was spat out by the machine in two separate waves, I was able to take the first XXXX, however, when I reached for the second XXXX, the cash went back into the machine. I called the number provided on the ATM machine immediately that day, however, the representative failed to open a claim despite verballing telling me that she did and for me to wait up to 90 days. On XX/XX/XXXX, seeing that I still havent gotten any response, I called once again, this time learning that the previous representative did not open the claim, I created the claim with this new representative and received XXXX credits while waiting for the investigation. On XX/XX/XXXX, I received the notification that my dispute failed and the bank is going to remove the credit. I called once again on XX/XX/XXXX but failed to reopen the claim. My family has always been excellent customers of the bank, and always maintained good credit. This is our last hope, I have XXXX  kids to take care of and {$4000.00} is a very large sum of money for me. I hope the CFPB can help us see this through.
Product: Credit card or prepaid card

I received a pre-approved credit card offer from American Express and subsequently applied for the Platinum Card on XXXX XXXX, 2017 ( application # XXXX ). The application was declined and I reached out to American Express New Accounts Team for an explanation - the representative stated that because the reason was that I already have the Platinum Card. I spoke to customer service to have the card account downgraded to another product, and applied again for the Platinum Card on XX/XX/XXXX ( application # XXXX ). The application was turned down for the exact same reason. I called the New Accounts Team asking for a manual review because it was obvious the reasons for the decline were not only inaccurate but also outdated, but the representative kept reiterating the reasons for the decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the covid 19 global pandemic I was unable to make my payments on my XXXX account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.