23daVinci/CFPB_Complaints huggingface dataset:
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  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote XXXX over 20 times that it is displaying wrong name and address Issue # 1 [ Name ] Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX - Address XXXX Multifamily. 

Issue # 3. 
A XXXX company named " Select Portfolio Servicing '' accessed my credit report WITHOUT my permission on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Concora Indigo claimed I was late paying for the month of XXXX of XXXX, Ive enclosed a copy of my bank statement from XXXX XXXX XXXXXXXX for the payment in question.
Product: Credit reporting or other personal consumer reports

I utilized XXXX XXXX for filing my taxes and at the end they asked me if I wanted to track my refund with making an account with Credit Karma. I did not want Credit Karma to run my credit report, instead they ran a credit report. I do want the credit report removed due to it affecting my credit report. I already know my credit score and do not want to use the company. I tried to speak with them and I was redirected several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified by XXXX XXXX  XXXX fraud department and myself several times starting XX/XX/2019 stating to remove four accounts and all inquiries associated with the accounts from my credit report as they were found to be opened without my permission fraudulently. A police report was filed. XXXX  and XXXX  oblige and removed all accounts and inquiries from report. Equifax is refusing to remove XXXX  XXXX, XXXX  XXXX  and XXXX. They did remove XXXX XXXX. XXXX has reissued they request to remove the accounts multiple times and I have verbally called in and submitted disputes online over 20 times and Equifax states they are accurate. XXXX  is unsure at this point on what to do and I am not getting a correcting response either. I am hopeful you will make them do what we have been telling them needs to be done asap. This has been going on since XXXX and needs to be finished with all traces removed. Equifax needs to be replaced with a better agency who does not release people 's information and will properly investigate and listen to the fraud departments of creditors when they say something is incorrect and needs to be removed. Thank you.
Product: Credit card or prepaid card

I have an XXXX credit card through US Bank that was sold to me by one the XXXX stores in XXXX. The advertising for the card promises 1 % rewards for non XXXX products and 5 % for buying XXXX products. I have spend over seven thousand dollars on the XXXX MasterCard and when I called US Bank 's servicing department they told me that, without my dividend from being a member of the XXXX XXXX XXXX, that I only had XXXX dollars in rewards points. After I argued with the representative she then said when you add my normal, non credit dividend with my XXXX dollars of rewards points that I was owed XXXX dollars that would be paid in XXXX. The math for the amount of money I spent compared to how much my rewards were doesn't make sense. I'm owed at least XXXX to XXXX dollars of rewards points with my dividend. US Bank is stealing rewards points from customers by underpaying them during the time they award dividends. US Bank also doesn't allow me to view rewards dollars on my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account named Planet Home Lending on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by Planet home lending saying they arent reporting XXXX is and its XXXX responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now XXXX  sends me new investigation results dated XX/XX/XXXX and once again Planet Home lending confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties XXXX and Planet Home Lending. I dont want to hear its not our problem from Planet Home Lending its XXXX  because XXXX just sent them in XXXX another dispute and asked them to confirm and the XXXX  ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will Planet Home Lendings excuse be now? What will XXXX  excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both XXXX and Planet Home Lending have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days
Product: Mortgage

I already have a complaint on file with TD bank for another issue .... 
Case number : XXXXNow after doing a 'bait & switch ' to counter-offer for a higher interest rateafter they said the appraisal was too low ... .we ask for another appraisaland we practically find the comps ourselves ... ..it comes in XXXX higherbut we are still denied despite our XXXX + credit scores and low debt thatbecause we live in a XXXX and older community or age-stricted that we are denied. 
This after XXXX weeks of back/forth and at least XXXX letters of conditional approval. 
First it appears to be age discrimination, second why would n't that be on their applicationprocess before wasting our time and theirs. Something smells fishy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX years o 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 filing a complaint against Equifax, XXXX and XXXX 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, XXXX and XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Equifax and transunion complies with federal law and provides consumers with the necessary proof of investigation. 

# XXXX Account info Account name XXXX XXXX XXXX Also known as XXXXXXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms 1 Months On record until XXXX XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX XXXX  Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted in writing a request for the immediate removal of incorrect spelling of names, addresses and phones numbers on my consumer report to all three agencies. I attached my drivers license for proof.
Product: Credit card or prepaid card

I had multiple applications for credit cards submitted through Bank of America. The first application resulted in a credit card arriving at my house, that I did not apply for. After reporting to the credit bureau 's, I received another notice of another application that was attempted to be opened in my name also with Bank of America. I called the BofA Fraud department and reported both of those applications as fraudulent and requested a copy of the application and account that was opened using my personal information. After providing the woman on the phone with the case reference #, she then read back to my the rest of my personal information ( DOB and last 4 of Social ) and transferred me to another department to deal with the previously opened account. After speaking at length with another woman on the phone, I was told that BofA does not provide those documents. I asked again and said that based on my understanding they were required to, I was again told under no circumstances would BofA be providing me with the documents that I requested and that I had no further recourse to obtain the documents requested. I then asked to speak to a supervisor, and was transferred to a dead air line that I left open for 45 minutes I did speak a gentlemen by the name of XXXX who did put in a request for me after asking some follow up questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my 3 credit reports that should be cleared due to filing bankruptcy.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX
Product: Student loan

On many occasions, I reached out to XXXX and Navient to make reasonable repayment for my student loan. I 've yet to receive an equitable payment plan of relief that would easy my debt. Rather, numerous fees accumulated with no disclosure which resulted in increase in the amount owed. I now have an outstanding balance is XXXX, which is not the amount borrow for my education. I have not been protected with any benefits in finding the right repayment plan. I am having a difficult time paying this amount back and mostly will deal with the impact of this debt the rest of my life. XXXX/Navient has misled me with their repayment methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing today in regards to my vehicle XXXX automotive VIN # XXXX. 
This vehicle was on autopay even after I extended my lease I went online to make sure that the autopay was still active. The autopay was activated but for some reason the date for withdrawal was several months out which I did not notice. The payments were not withdrawn from my account and I was completely unaware of this issue until my vehicle was repossessed. Once the vehicle was repossessed I redeemed the vehicle with a full payout. 

The issue is that a late pay is reported to my credit report in XX/XX/2022 and XX/XX/2022. This was an error on the website which was an oversight.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account with XXXX XXXXXXXX XXXX  on my Equifax and XXXX report that should no longer be on there. It is an aged account and past the statute of limitations.
Product: Credit reporting or other personal consumer reports

I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately.

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay.

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.
Product: Credit reporting or other personal consumer reports

In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without : Physically verified proof of fullness of truth, Completeness of accuracy, Timeliness of validity, and Certifiable compliant reporting, including but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws. 

This includes adherence to the documented perfect and full Metro 2 Format compliance of reporting.

Your current reporting is significantly questionable and unproven to be : Credibly unfeigned, Correct, Complete, Timely, Validated, or Elsewise certified compliant as required by the mandates and standards of lawful reporting.

This includes compliance with the applicable aspects of the FCRA and FDCPA, as well as the mandatorily perfect and replete certified Metro 2 Format reporting.

You are reporting inaccurate and incomplete information regarding the following medical account ( s ). I demand that you : Contact the medical facility, as I have already done, and demand a validation of the debt. 
Note that they can not provide the statement at this time, nor can they provide an itemized statement for the services. 

Since they can not or will not provide the required documentation, they are clearly in violation of the FCRA and FDCPA. 

Please entire your investigation of this medical collection and remove it because the provider can not validate the details you are reporting on my credit report.
Product: Credit card or prepaid card

This is a card loaded by a company we do business with based on sales I make with them, 'Wisely ' card issued by XXXX XXXX XXXX  XXXX. 
28 charges were made on this debit card that were not mine, total {$120.00}. Submitted dispute, company immediately replied 'No error. This letter serves as final resolution ' Mailed request for them to supply supporting documentation they reviewed, no response. Called, on hold for 20 minutes, hung up on. 
These were all XXXX charges. I contacted XXXX and they confirmed these were fraudulent charges since made by someone else, purchase of video games from email that was not mine.