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

I am writing to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 


The following inquiries are incorrect : 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

In accordance with the Fair Credit Reporting act 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 fumish a account without my written instructions.
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 XXXX Account Number : XXXX has violated my rights. Or 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

In Accordance with the FAIR reporting Credit Act, The List of accounts below have violated my FEDERALLY PROTECTED CONSUMER Rights, To privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account NAME : ( Security Finance Account # XXXX Account NAME : ( XXXX XXXX XXXX ACCOUNT # XXXX ALSO 15 USC 1681 section 602 A states I have the right to privacy Also 15 USC 1681/1681 section 604 A/section 2..States also a consumer reporting agency can not furnish a account without my instructions..

Also 15 USC 1681 CA5 section states no consumer report agency make any consumer report containing any of the following items of information other then records of Conviction of crimes which in to date report more than 5 to 7 years..

Also 15 USC 1681 S2A1 a person may not furnish any information related to any consumer reporting agency if the person knows or have any reason or cause to believe that the information is in accurate ( Delete IMMEDIATELY ) Sincerely XXXX XXXX P.S MY MOTHER JUST PASSED AWAY... 
IM ON A FIRST TIME Home BUYER PROGRAM, I HAVE XXXX GRANDKIDS, MY LIFE IS ON HOLD..
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the denial of my identity theft claim by AM Honda Financial. I have submitted all the necessary supporting documentation to prove that the account in question was opened under fraudulent circumstances and without my consent.

Despite providing clear evidence, AM Honda Financial has unjustly denied my claim, and this fraudulent account remains on my credit report. The presence of this account is causing significant harm to my financial standing and creditworthiness.I respectfully request that AM Honda Financial conduct a thorough re-investigation into this matter, review the supporting documentation, and delete the fraudulent account from my credit file immediately.

Please assist me in ensuring that this matter is resolved promptly and that my rights are protected.
Product: Prepaid card

I was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " XXXX at XXXX merchants that accept American Express XXXX. '' I have tried multiple ways to use them for XXXX  online & in person purchases from companies that accept XXXX XXXX, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at XXXX XXXX is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. XXXX XXXX is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Product: Payday loan, title loan, personal loan, or advance loan

AQUA FINANCE INC. THIS COMPANY WILL NOT PROVIDE ME WITH INFORMATION ON THIS ACCOUNT DUE TO PERSONAL SECURITY QUESTIONS. I INFORM ALL THREE CREDIT BUREAU THAT THIS ACCOUNT IS FRAUDULENT AND PROVIDED An ACCURATE AND TRUE POLICE REPORT ON FILE SO THE CREDIT BREAU CAN PROVIDE THE INFORMATION TO THE NESSCACRY COMPANY AS REQUESTED
Product: Payday loan, title loan, or personal loan

I took out a loan for {$210.00}. Shortly after that, I had someone break into my car and steal my identity. The robbers broke into checking account and filed taxes in my name. This caused me to go delinquent with XXXX. After I was able to fix the damage that the robbers did I tried to pay my balance that I owed XXXX XXXX. They told me that I would have to pay them XXXX. I explained my situation but they refused to work with me. I think that it is unfair and predatory that they will not allow me to pay the balance that I owe them. In addition that is harming my credit. Please help me!!
Product: Credit reporting or other personal consumer reports

XXXX  is reporting obsolete and inaccurate information information information on my credit report such as : Acct # is not the same on all XXXX bureaus High balance-is not the same on all XXXX bureaus Last verified -- is not the same on all XXXX bureaus Date of last activity-is not the same on all XXXX bureaus Date reported- is not the same on all XXXX bureaus Balance owed- is not the same on all XXXX bureaus Creditor remarks- is not the same on all XXXX bureaus Last payment- is not the same on all XXXX bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to an agent about errors and " Boost '' product, and an hard inquiry showing but no new account reported, and a balance update, and the rep was being extremely rude ( to the point i said i don't have to tolerate you being rude ) so I hung up on her, and filled out a complaint form on the site - The next day ( today ) 'mysteriously ' I have two missing current credit card accounts, an open acct showing closed, a loan misreported etc. AND I opened my email to an Experian member alert that " congratulations '' my score WENT UP - then upon clicking link & going to the site I have messages that say : your score DECREASED your score INCREASED new cc account opened credit line increase your utilization went down your credit utilization decreased significantly on one of your accounts congrats on a loan payoff Spoke to a new rep today and made an escalated complaint & was told upon investigating that because I had disputed my balance on one of my perfect accounts ( i got a credit increase but it was not showing ) and the creditor neglected to answer that they DELETED THE ENTIRE ACCOUNT ; She stated this was due to FCRA rules - I said this was preposterous bc I have disputed a late payment before and when the company didn't respond the payment was corrected, the account itself was not deleted. This still does not explain all the other shady-ness but it is a starting point. I was told I have no recourse on that one other than to ask XXXX XXXX to re-report my whole account ( not sure how ) and she further said she would tell the supervisor abt the other stuff. This all took place XX/XX/XXXX, XXXX, and today the XXXX. 

** P.S. to this - I just got off the phone w XXXX XXXX and no matter whom the rep at XXXX XXXX asked, they all said they had no idea why the entire acct would have disappeared/been deleted from Experian - bc they " reported my last update to Experian on the XXXX at XXXX XXXX  '' - So there is DEFINITELY something ILLEGAL going on at Experian. They ( XXXX  XXXX ) further said they have no other department to 'manually ' re- report my entire acct and history to Experian. and suggested I call experian back.
Product: Debt collection

I received a notification through myfico credit monitoring that a collection account had been added to my account. I logged in to see what it was about and saw that Waypoint Resource added an account on behalf of XXXX to my credit profile. Not only is this debt erroneous and obviously unverified according to FCRA requirements, but this is my very first time ever being notified of the debt. I have never received a letter or phone call to notify me of this fraudulent debt. They took away my right to dispute the debt which I believe is a violation of the FDCPA and the FCRA. This account has caused my credit to plummet and I am demanding this account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, I HAD A CAR THAT I BOUGHT FROM CARS FOR LESS IN XXXX NC BACK IN XX/XX/XXXX I WAS TOLD THAT I HAD TO HAVE A XXXX DOWN PAYMENT AND I GAVE HIM XXXX AND HE SAID THAT HE WILL PUT XXXX TO GET THE LOAN AND I ADV HIM NO, BUT HE DID IT ANYWAY AND I WAS GRANTED THE LOAN FROM XXXX XXXX XXXX. I HAD NO ISSUES MAKING MY MONTHLY PAYMENTS UNTIL MY JOB GOT SLOW AND I WAS ONLY WORKING 1 DAY A WEEK. MY PAYMENTS WERE DUE ON THE XXXX OF EACH MONTH. IN XX/XX/XXXX I CALLED THE COMPANY AND ASKED IF I COULD PAY MY PAYMENT ON THAT FRIDAY WHICH WOULD HAVE XX/XX/XXXX I CALLED WED THE XXXX I WAS TOLD THAT THIS WOULD BE FINE AND I COULD CALL IN, BUT ON THAT THURSDAY NIGHT I HAD TO WORK AT XXXX AND MY CAR WAS GONE i was told that CAR WAS REPOSSESSED FOR NON PAYMENT AND THEN I WAS TOLD WAS REPOSSESSED FOR NO PROOF OF INSURANCE AND THEY BOTH WERE NOT TRUE I CALLED AND MADE AN ARRANGEMENT AND I ALSO HAD FULL COVERAGE THE ENTIRE TIME I HAVE EMAILS THAT THE REP SENT AND REORDERED CALLS THAT THEY HAVE AND NO ONE COULD GIVE ME A GOOD ANSWER AS TO WHY NOT ONLY THAT I WAS TOLD THE CAR WAS A LEASE AND I NEVER EVER HAD ANY IDEA OF THIS AND WAS NOT EVER TOLD AT THE TIME OF THE DEAL THAT I WAS IN A LEASE. NOW THEY ARE SAYING THAT WILL BE ON MY REPORT AS A REPO AND I DO N'T THINK THIS IS FAIR I HAVE TRIED AND TRIED TO DISCUSS WITH THEM BUT TO NO AVAIL THEY WONT LISTEN I HAVE FILE A COMPLAINT WITH THE ATTNY GENERAL AND NOW WITH YOU PLEASE HELP ME PLEASE GET THIS CORRECTED IN ANY AND EVERY WAY YOU CAN ASSIST ME. PLEASE ASK THEM FOR EVERY CALL AND EVERY EMAIL THEY HAVE THANKS IN ADVANCE I FEEL SCAMMED I HAD MY GIRLFRIEND DISCUS WITH THEM VIA EMAIL
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 14 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Trans Union complies with federal law and provides consumers with the best proof of investigation. 
These are the accounts I marked as inaccurate XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX I want reported accounts to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance concerning violations of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681. 
List of Violating Accounts : XXXX XXXX  Account # : XXXX Credit collection service Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my rights under the FCRA, specifically : * 15 U.S.C 1681 Section 602 A : Right to Privacy - I assert my right to privacy as guaranteed by this section. The unauthorized disclosure of my financial information, as reflected in the accounts listed above, is a direct violation of this right.

* 15 U.S.C 1681 Section 604 A Section 2 : Requirement for Written Instructions - It is evident that these accounts have been furnished without my written instructions or consent. This action is in direct contravention of this section, which safeguards consumers from unauthorized disclosure of their financial information.

* 15 U.S.C 1681c ( a ) ( 5 ) Section : Limitations on Information - The information contained in these accounts exceeds the permissible limitations outlined in this section. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, is prohibited from inclusion in a consumer report. The presence of these accounts, which contain adverse information beyond the stipulated time frame, constitutes a violation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - According to this section, any person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. In the case of the listed accounts, I contend that the information reported is not entirely accurate.

I respectfully request that you investigate these violations promptly and take the necessary actions in accordance with the FCRA to rectify the situation. Specifically, I request that the following actions be taken : * Conduct a thorough investigation into the accuracy, timeliness, and legality of the information reported by the entities associated with the listed accounts.

* If any information is found to be inaccurate, outdated, or in violation of FCRA regulations, please ensure that it is promptly corrected or removed from my consumer report.

* Provide me with a written response detailing the results of your investigation, the actions taken, and any further steps required to rectify these violations.

I believe that a prompt resolution of this matter is essential to protect my consumer rights and maintain the integrity of the credit reporting system. I appreciate your attention to this issue and look forward to receiving your response within the timeframe specified by the FCRA.

Thank you for your assistance in addressing these violations and upholding consumer protection standards.
Product: Debt collection

i reported that this account was a result of id theft but they ignored my report and keep reporting as my debt National Recovery Agency is negligent in this transaction and shout pay a heavy fine for ignoring my request
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX bal. {$120.00}. XXXX bal. {$2000.00}. XXXX XXXX bal. {$730.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a XXXX XXXX and as a result, several fraudulent accounts have been reported on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries which were opened or reported due to the 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
balance {$900.00} Date opened XX/XX/2022 XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$260.00}, {$150.00}, {$180.00} XXXX Balance {$690.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions
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. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Bankruptcy 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX 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 15USC 1681sec 602 states I have the right to privacy 15USC 1681 sec 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX To Whom It May Concern : I wish to dispute the late payment status on my CAPITALONE Accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under

15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604A section 2 states consumer reporting agency cant furnish an account without my written instructions. The United States Code Law 15 U.S. Code 1666b. Timing of 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.
Delete late payment status immediately or Please validate all late payment status within 30 days.