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

To whom it may concern, 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 instructions of the consumer to whom it relates. 

I, never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id XXXX ) which is the dispute center representative and the Supervisor which is XXXX ( id XXXX ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts. 
Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2. 


XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my credit report on the Equifax web site. I have successfully answered all of their security questions, but it keeps telling me the online delivery is unavailable. I can't access Equifax disputes. I fail verification constantly, so I have to mail all disputes, no matter how minor. I've disputed and have successfully had several negative items removed from both my XXXX  and XXXX reports with no issues online. However, the problem is with Equifax. Mailed disputes to Equifax tend to work out better as it forces them to actually read and not just mindlessly do what their system tells them based on a reason code. I did go through the free annual credit report web site and I did mail in a copy of my ID and request form to have my Equifax report mailed to me, but I really want to be able to access it online and file the disputes that I need to file.
Product: Credit card

I have been with AMEX since 2022 originally approved for a credit limit of {$12000.00}. I used the card and it is currently paid off. I decided to open a new card, XXXX XXXX XXXX, with AMEX that would allow for balance transfers. After approval I reallocated my credit limit to the new card leaving {$1100.00} on the previous card and bringing my new card to {$11000.00} available credit. During the application process online and while speaking with an associate I was never informed that the balance transfer would depend on " credit worthiness '' and my balance transfer was capped at {$750.00}, I needed to transfer {$2900.00}. I was floored when I found this out after going through so many steps and explaining my goal to every person that I spoke with. I attempted to appeal to AMEX with no success. I was informed that it was based on available card balance and external factors. When I asked if I could have what those external factors are I was denied any information. In their promotional content it states balance transfers up to {$10000.00} or 70 % of the credit limit, both of which are well within the range that I requested. I feel like I was taken advantage of and withheld information that would have impacted my choice of opening a new card with AMEX. I have a very good credit score and a positive payment history with the company yet I am not worthy of wanting to put my family in a better financial situation. That approach is disgusting and I want what I feel like I am eligible for and to complete the balance transfer of the amount that I mentioned numerous times over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello, I hope youre having a great day because I am not. Ive recently come across some incorrect information on my credit report, and its become a major source of worry. The inaccuracies are jeopardizing my ability to gain financial freedom, and Im finding it difficult to make any progress toward my goals. These errors have led to multiple credit applications being denied, and its causing me significant stress and anxiety. 

Its incredibly frustrating to have my plans derailed because of these inaccuracies. The importance of a correct and accurate credit report can not be overstated, as it directly impacts the opportunities I have to secure loans, open credit accounts, and move forward financially. The situation has left me feeling helpless at times, and its crucial to find a resolution so that I can get back on track and work toward a more secure financial future.
Product: Credit card

I have a Chase Credit Card that is co-branded with Marriott. I used to pay {$85.00} a year but now my circumstances have changed and I no longer need the credit card but I do n't want to close the account because it will have a negative affect on my credit rating. Chase refuses to off an alternative - either I have to pay {$85.00} extortion or I have to close the account which will have a negative affect on my credit rating and is an unacceptable alternative. This is not fair to the consumer and this issue needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was sallie Mae. The debt was sold three times to ultimately navient in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When navient took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.
Product: Credit reporting or other personal consumer reports

I have consistently raised concerns about the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act.

If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older.

( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities.

( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 

2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. 
By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
Product: Checking or savings account

I was scammed by an online scammer on XXXX XXXX  trying to purchase a car and paid {$3600.00} via from my XXXX-cash app. Once I realized I was scammed I filed a dispute through XXXX  and cash app. Cash app immediately denied my claim without investigation and only sent a request request to the scammer and of course whoever it was denied it. and XXXX originally filed my first dispute incorrectly titled as a unauthorized transaction then denied it but I informed them that I did authorize the transaction it was a online scam and I never received the goods and or services I paid for. They still denied my request 2 more times with no reasoning ( insisting that they were working alongside cash app to handle the dispute ) but havent provided any information or assistance. And what they are doing obviously is not helping XXXX because all my provided documentation shows that I was in fact scammed out of allot of money I need back. I would like to emphasize the fact of whether I authorized the transaction is irrelevant. I MADE THE TRANSACTION! I AUTHORIZED IT! I NEVER RECEIVED THE GOODS I PAID FOR and provided proof that the person I was supposed to be purchasing from has completely disappeared. These type of scammers shouldnt be allowed the option to refund nor use cash app services anymore.
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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX Account Number : XXXX Sincerely, XXXX XXXX XXXX
Product: Mortgage

We received a letter from BSI Financial services today XX/XX/XXXX to welcome us as a new customer for our mortgage loan and stated our principal balance is XXXX. The letter is dated XX/XX/XXXX. It has our names and address on it and where to send payments and a form for automatic withdrawals. However, we do not have a mortgage loan with BSI financial services and have never even heard of them. Our mortgage account is and always has been with XXXX XXXX and our principal balance is XXXX. I called XXXX and they did confirm that our mortgage is with XXXX XXXX  since XX/XX/XXXX and to disregard this letter. I am not ok with disregarding the letter as they have our information on this letter and to me this sounds like fraud and violating the consumer financial protection act ; which BSI have already been sued for. We would like this investigated and why they have our information and a supposed account number with a balance.
Product: Credit card

I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. 
I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the Transunion credit reporting agency block information appearing on my 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 credit cards and student loans XXXX XXXXXXXX XXXX {$440.00}, XXXX XXXXXXXX XXXX {$2300.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00}, Dep of EduXXXX {$13000.00}, Dep of Edu/XXXX {$3300.00}, Dep of Edu/XXXX {$1800.00} , Dep of Edu XXXX {$81.00} , Dep of Edu/XXXX {$2800.00}, Dep of EduXXXX {$1300.00}, Dep of EduXXXX {$420.00}, Dept of Edu/XXXX {$660.00} , Dept of EduXXXX {$1700.00}, Dep of EduXXXX {$2200.00}. Inquiries : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

The aforementioned accounts, collections and inquiries appearing on my consumer credit report that is being maintained by you was not opened, made or initiated by me and are a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint XXXX.
Product: Student loan

I have contacted kheaa on several occasions and havent gotten a response back with a copy of the original master promissory note in full, im only getting first page that i was never given a copy of. The full promissory note should be 8-10 pages or so like mine from XXXX   college. I also would like a copy of a full details of the loan amounts when they obtained them, how fees were assessed in default, any payments they recieved and how they were applied, and any correspondence they had with me once they obtained my loans in XX/XX/2015 and how they got the information for the addresses they used to notify me of my initial default and my options bc i didnt give them the address that they used for mailing those important documents and they weren't not mailed to my mom to give me even though she is listed to use as a reference to contact me, all areas codes on all the telephone numbers are entered incorrectly so i never got contacted. I feel like things were intentionally mailed to incorrect addresses so i would default. Bc my other loan servicer XXXX was able to contact me and send me mail just fine. And if i dont get an email response, alerting me to respond to this, i was unaware that a response was even sent to me until months too late on 2 previous complaints. This time ill be sure to check back.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My personal information : Social security number, name. And address have been improperly used on my reports. I have been a victim of fraud and there are many inquiries on my credit reports that I did not request. 
The following inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX and equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not know who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office. Please DELETE these unauthorized inquires immediately.