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

To whom it may concern, there has been a colection added to my consumer report which I dont recognize.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Account : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Mortgage

I called citizens one bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On none of the occasions was I granted my 180 day mortgage forbearance covered by the cares act due to covid-19.
Product: Debt collection

Waterfall revenue group collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. XXXX XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.
Product: Debt collection

On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW   Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX INSTALLMENT Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover numerous errors. Despite sending multiple letters to the credit reporting agencies requesting corrections, XXXX and Experian have failed to address or remove the inaccurate items. However, I want to acknowledge that XXXX has taken appropriate action to correct these errors, demonstrating compliance with federal law. The inaction by XXXX and Experian remains deeply concerning, especially given their responsibility to handle my information with care. 



Adding to this issue is the fact that my personal information was compromised in a known data breach involving these credit reporting agencies. This breach has not only exposed my sensitive information but also heightened my vulnerability to identity theft and fraud. In light of this breach, the failure of XXXX and Experian to correct errors on my report is an additional betrayal of trust and a violation of their legal obligations to protect and manage my information responsibly. 



Under 15 U.S.C. 1681b, permissible purposes for accessing consumer reports are strictly defined. The law explicitly states that a consumer reporting agency may only furnish a report in accordance with the written instructions of the consumer. Additionally, the Fair Credit Reporting Act ( FCRA ) clarifies under 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that certain transactions or experiences between a consumer and a creditor should not be included in consumer reports. Based on these laws, the late payments and other negative items currently reflected on my report by XXXX and Experian are unjustified and violate federal statutes.
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. 
Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : 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 or other personal consumer reports

In accordance to The FCRA A disclosure of my nonpublic personal financial information by PORTFOLIO REOVERY ASSOC This disclosure have violated my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, which restricts the sharing of nonpublic personal information without my explicit consent. 

***The account number XXXXreporting as a charge off. It also has been reported as a loss and collection on the account reporting. 

Details of disclosure has been reported to all XXXX credit bureaus. XXXX, XXXX and XXXX. I will also be attaching a copy of the disclosure contents reported on the credit reports attached to my Name, SSN and D.O.B that has been reporting to the credit bureaus.
Product: Debt collection

On XX/XX/XXXX I sent letters Cavalry for a request for a debt validation requesting evidence that I actually owe this debt the debt a letter stating that the debt was valid without actually send evidence that this debt is owed.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a Discover loan on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXXXXXX XXXXa attorney in fact For ; XXXX, XXXX
Product: Checking or savings account

I am writing to express my deep concern and disappointment regarding my recent experience while attempting to open an account at capital one bank XXXX XXXX XXXX, I tried to open a new checking XXXX account, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in XXXX but i ignore it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. 

As a responsible and law-abiding citizen, I have never encountered any issues in opening accounts at other financial institutions. Hence, this unfortunate incident has led me to believe that there might have been some form of prejudice or discrimination during the account opening process at your bank. 

I must emphasize that discrimination based on race, ethnicity, gender, or any other protected characteristic is both unethical and illegal. Such practices go against the principles of equality and fairness that our society upholds. I find it distressing that an institution as reputable as yours would engage in such behavior. 

I kindly request a thorough investigation into the matter to determine the reasons behind the denial of my account application. Furthermore, I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that your bank complies with all anti-discrimination laws and regulations. 

I trust that your institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.
Product: Credit card

I have been denied the ability to dispute these charges with my Citibank credit card.I received a denial letter, that said I was not able to dispute the charge, The charges I am requesting assistance in disputing were all made between XXXX and XXXX 2016, to XXXX XXXX XXXX XXXX and XXXX in the total amount of XXXX. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.
Product: Debt collection

I keep getting calls from ADVANCE CAPITAL SOLUTIONS regarding a debt NOT IN MY NAME. They keep mentioning in voicemail the message is for XXXX. I dont know anyone by that name! They have been calling me for months now. Dozens of times per day. I have spoken with someone there numerous times and told them they have the wrong number. Stop calling. I have since had to pay for a call blocking service on my phone. Now they are getting around that! Today alone, Ive received 26 calls between a 6-hour timespan, sometimes 2 or 3 within a minute or less. They are spoofing other peoples phone numbers, because Ive called a few back which appeared to be local, and they were elderly people I didnt know, who hadnt been on the phone. The calls appear to come from a different number, and when they leave a voicemail, its instead XXXX, extension XXXX. Please issue a CEASE AND DESIST to them IMMEDIATELY.
Product: Credit card or prepaid card

under my experian credit report its showing that its a XXXX  card that is on my account has a XXXX balance due on this card. The account has been closed on the grantor request which is because I kept disputing it so much. The status on the account is a charge off and it is not my balance. It shows 26 potentially negative months which is inaccurate as well as the other charges that were made.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXXXXXX XXXX  credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX  credit card is paid off and the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted First Mark. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can First Mark accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted XXXX, XXXX, and First Mark.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is a very predatory company that is destroying my credit. Affirm setup my account on a monthly basis for automatic payment withdraws for multiple payment methods on fail. Affirm failed to withdraw my payments and marked 3 accounts as late dropping my score XXXX points. Two of the accounts were a result of my information being used which affirm refused to remove so I continued paying them to save my credit. My credit file has all types of inaccuracies from affirm that they failed to fix and continue to refuse to fix. According to 15 USC 1681 ( e ) ( b ) they are legally obligated and required to make sure that they are fairly reporting credit without inaccuracies.
Product: Debt collection

I have tried, on multiple occasions, to get this issue resolved. While on Vacation back in 2019, I was a victim of Identity theft. I did not allow any charges of the disputed amount.
Product: Mortgage

Bank of America is foreclosing on my home. I submitted a loan modification/loss mitigation package to Bank of America, which Bank of America stated that it's employee lost the Mortgage modification/loss mitigation application. Bank of America never sent me a reply about the Mortgage modification/loss mitigation decision at all. Per The CFPB 's Statute 1024.41, Bank of America never notified me of the decision that they were going to foreclose on my home.I did not have an opportunity to appeal Bank of America 's decision because I did not know the status of the of the loss mitigation. I tried selling my home to avoid a foreclosure but Bank Of America did not respond. Furthermore, Bank of America did not credit my Mortgage as they mixed up my Mortgage loan number with others. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my information compromised as part of a data bridge & due to my personal information be leak it resulted in someone trying to apply for a mortgage in my name & 3 inquiries resulted from this fraudulent activity. I sent in the paper I received in the via certified mail to all 3 credit bureaus. XXXX & XXXX delete right away because the had the proof in front of them. Equifax refused to delete the inquiries. Imagine a company like Equifax that has put us all in harms way when they had there data bridge & know the harm it can bring to one REFUSE to delete. They ask me for a police report when the have a letter direct from the insurance company. 

Secondly Equifax is one of the most difficult Of all 3 credit bureaus. They think they can create their own rules & not follow the ones already in place. I have a collection reporting to Equifax that I have disputed over 4 times by certified mail. The account is reporting as an Individual account but when I did my own investigation its a jointly own account. The reason I did my own investigation is because I had no knowledge of how the account came about & gave no authorization to anyone to add me to such account. Also the reporting date was changed by the company to prolong the account for their own personal gain. I sent in the dispute letter to show how much a collection agency can lie & deceive even the credit bureaus. I pin point every inaccuracies that the reporting agency is reporting & once again Equifax realize that the benefit more with a incorrect account that doesnt belong to me on my credit report than it being off. Its all a money making scheme for the credit bureau with the main one being Equifax. The will sell your information to the highest bidder & turn around & act like there was no fraud committed against you. Equifax is such a pain that I have written a letter to Congress recently because Each dispute I ask for the results from there investigation in writing & I have never received such report ever!!! The reason why I request this report is because I know they are not investigating anything. Imagine the biggest fraudsters are the credit Bureaus & they are in charge of our credit. I had to explain to Congress I want them investigated & someone needs to shut them down & hire more honest people to do the job.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit card

Opened secured credit builder account with Self credit card in XXXX requiring a security deposit. Company sent notice of account closure on XX/XX/XXXX. Was informed any balances owed would be deducted from security deposit and the balance of that would be mailed to me via a check. Received the check in mid XXXX of XXXX of {$640.00}. However, account was never closed. Self is stating i owe {$160.00} which is the result of interest and late fees that has accumulated over the past 18 months due to Self refusing to close the account. they are telling me they will not close the account until I pay the interest and late fees. They have been reporting me to the credit bureau as late and missing payments on an account that should have been closed with a {$0.00} balance. I have requested they close the account to which they are stating they will close it once I make the payment. I have requested they remove the additional fees which they refuse. This is fraud. Im being charged bogus fees and if I do no pay them, they will continue to report me negatively to the credit bureau
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 XXXX XXXX XXXX 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : 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 or other personal consumer reports

Attached is a PDF file from the FTC containing 5 fraudulent accounts that I didnt do and it would be appreciated if they were deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as stated before, and I am NOT a credit repair agency.
Product: Money transfer, virtual currency, or money service

Someone called from a collection agency. They said they were from XXXX XXXX. They have me dates of service and wanted my daughters birthday to verify info. I gave it to them. They told me I owed money and they were collecting a debt. I was upset because I thought it was already paid off. They gave me a weird address and I said no, that was a wrong address. I gave them our correct address and they said theyd send me a statement. I hung up. 
The number that called was XXXX ( XXXX ) XXXX Now Im scared I put my daughter/family in a bad situation Should I be scared??