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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modif
ied or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 want these inquiries to be deleted, I did not authories these companies to run my credit or use my information.This is fraudulent. I will attach FTC report of the inquiries found on my credit report.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I pulled my consumer report on XX/XX/2023 and noticed a 30 day late payments and Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove I will sanction legal action for remedy. 

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA I ask that all accounts listed be removed IMMEDIATELY due to an injustice, I am also aware that this has to be done in a timely matter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Act XXXX  account # XXXX has violated my rights 15 USC 1681 section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor instructions
Product: Debt collection

I keep getting spam e-mail from ace cash express saying I owe them money for a loan i never got the letter comes from a XXXX XXXX they do n't send an address they say I have to use email or call them at XXXX and I do n't call numbers that I do n't know
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX, MD XXXX, the vehicle was financed through Prestige Financial Services located in XXXX XXXX XXXX UT. The dealership took my XXXX XXXX XXXX as a trade in and gave me {$6000.00} minus {$2200.00} ( {$3700.00} remaining ) which was paid to the lien holder of the XXXX XXXX and the rest was applied towards the downpayment for the above mentioned vehicle and also asked for an additional {$1800.00} in cash which was paid and applied to the downpayment. {$5500.00} was applied as my downpayment. On XX/XX/XXXX I sent XXXX XXXX a Right of Rescission Affidavit made in Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions. I also notified them that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which put XXXX XXXX in direct violation of the law. XXXX XXXX also accepted a CASH downpayment of {$1800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.
Product: Debt or credit management

Subject : Request for Validation of Debt Dear Customer Service, I am writing to formally request validation of the debt associated with the account number XXXX, which is listed as a collection account with a balance of {$780.00}. 

According to my records, this account was opened on XX/XX/XXXX, and is reported to be past due as of XX/XX/XXXX. To ensure that I have a complete understanding of my financial obligations, I would appreciate your assistance in providing the following information : 1. The original amount of the debt and any additional fees or charges that have been applied.

2. A copy of the original contract or agreement that outlines the terms of the debt.

3. Documentation that verifies your right to collect on this debt.

Please note that I am exercising my rights under the Fair Debt Collection Practices Act, specifically : - **15 USC 1692 ( d ) ( 2 ) ** : Prohibiting harassment or abuse.

- **15 USC 1692 ( g ) ( a ) ** : Requiring valida
tion of debts.

- **15 USC 1692 ( c ) ( a ) ** : Governing communication in connection with debt collection.

I would appreciate your prompt attention to this matter, and I kindly ask that you provide the requested information within 30 days of receipt of this letter. 

Thank you for your cooperation. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by exceeding the 30-day timeframe to respond to my dispute. On XX/XX/year>, I submitted a dispute regarding XXXX XXXX  due to inaccurate late payment information. Despite the FCRA requiring a response within 30 days, Equifax has failed to provide a resolution or supporting documentation. I request that Equifax immediately provides proof of the alleged late payments, including documentation from the creditor ( SENT TO ME VIA MAIL OR EMAIL ) and takes prompt action to correct or remove the inaccurate account.
Product: Credit reporting

Experian is reporting a fraudulent account on my credit report twice and has refused to remove. Experian in reporting XXXX same account two times from XXXX, account numbers Account number XXXX. Obviously, XXXX does not know it is illegal to report the same XXXX account twice, against FCRA. I have submitted accountable documents to Experian to support that this XXXX same fraudulent account from Navient Account number XXXX is reporting twice and it XXXX XXXX 's account not XXXX XXXX. I have never signed or had any affiliation with this account Account numberXXXX from XXXX. I did not know about the account until discovering on my credit reports. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Experian credit report once again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for the removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the unauthorized credit inquiries listed below from my credit report. My personal information was compromised in a data breach, and these inquiries were made fraudulently without my knowledge or consent. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these unauthorized inquiries be immediately blocked and permanently removed from my credit file. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I signed up for a zero interest loan for 12 mos for a washer and dryer with Conn 's Home Plus. The lender failed to withdraw the final payment ( they said it was n't set up on ACH, yet they ACHed all my other payments ) causing my account to accrue the previous 12 mos interest, which exceeded the total initial cost of the appliances. When I called them three days after the 12 month mark, they said there was nothing they could do and I needed to pay it or have my credit negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian Membership, I have been trying to sign on for months without success. I have tried everything possible. Experian does not provide a phone number for a Live Person, I have called numerous different numbers and all I get are prompts to reset password or username, I type in the required information and Experian. emails me a link to reset password and my username. I have tried this 6 times today, Yes 6 time with 6 different links, Nothing works. Experian has basically LOCKED me out from my Experian Credit report. I cant even pay for a membership or pay for my report. This is not a problem with XXXX  or XXXX. So it must be an EXPERIAN Issue. This XXXX   XXXX  do not provide a reasonable way to contact them and they have wasted hours and hours of my time. I have called from my personal phone number, from my landline hime number, from My daughters number, NOTHING WORKS TO REACH A LIVE REP.Alternately EXPERIAN has basically said XXXX  YOU to us consumers. How the XXXX  can any corporation who makes billions off my information, which they take without my permission and then make it so XXXX difficult,
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Equifax has been incorrectly posting, reporting, and distributing, my name spelled wrong amongst other continuous problems with Equifax staying in compliance with its legal obligations towards doing these duties under federal and international law as a consumer in the usa as well as worldwide. 
I have documentations from a few other times when I've given Equifax my correct personal information to be corrected within its agency and still Equifax continues to violate federal law to the complete deprivation of me being able to up-scaling or improve all my credit base information which Equifax uses to propagate, advertise and determine my credit worthiness or paint a high trustworthy credit picture of my consumer information to all worldwide creditors : Visa, Master Card, US Banks, etc. 
The other dates of proper information given to Eqfx but still failed correction are : XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
All of these dates My first name is being spelled XXXX XXXX XXXX instead of XXXX XXXX XXXX. Equifax also fails to allow me to use my XXXX XXXX XXXX XXXX also.
Product: Mortgage

well fargo sent me a notice that my escrow was off and that i owed an extra {$87.00}. said notice says there office hours are 6am-10pm. when i called them at XXXX XXXX i get a recording that says there office is closed. if they can't even get there office hours correct on official notices how can they be trusted to actually calculate my escrow correctly? 

they should have received a refund check from my home owners insurance policy in the amount of {$300.00} dollars that was sent to them by florida XXXX XXXX. Additionally my homeowners premium will actually be going down by over {$1000.00} dollars a year which means i actually have a surplus in my escrow account not a shortage. please stop crooked wells fargo from repeatedly sending notices with false and or misleading information as it cause undue stress on home owners '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LIVE IN XXXX, TN BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

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

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

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

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my Experian credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
Product: Checking or savings account

On XX/XX/2021 I sent from my checking account at Regions Bank, through XXXX app to friend whose account is at XXXX XXXX XXXX, the reason ( description ) I notated XXXX only because the I have two friends with same name and one is a childhood friend from XXXX living in the US specifically XXXX, Florida. The transaction left my account through the XXXX app, successfully, reached XXXX XXXX XXXX but was never deposited into the destination account. I have contacted, Regions, and initiated a complaint as the funds have not been credited back to me. The destination party has gone to her bank XXXX XXXX XXXX and has been told that they do not have the funds and that the funds were being held by OFAC. I am well aware of the sanctions US has regarding any business, or transactions with XXXX again, these funds were not going to the island they were going to a childhood friend from XXXX and the description was used to differentiate from another friend with the same name. After weeks of constant calls to my bank Region no one can tell me were my funds are or if they will ever be returned to me. XXXX XXXX XXXX has acted without any question being asked has just determined they were going to proceed in this fashion. I must know were the funds are and were they have been applied otherwise this is just pure act of vandalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX XXXX {$8500.00}
Product: Student loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$3400.00} // Late Open DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$4400.00} // Late Open
Product: Credit reporting, credit repair services, or other personal consumer reports

The attorney 's office, Moss Law Firm, and the original creditor, XXXX XXXX, are not accurately reporting the original balance on my credit report since the charge-off.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with WELLS FARGO CARD SERVICES Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. XXXX.
Product: Checking or savings account

Bank of America ATM took my money. I tried to pull out {$800.00}, but it gave me a stack of crumpled $ XXXX so half the stack fell into the atm upon pulling the money out, and I called the bank, but they don't really care they just said they'd file a claim.
Product: Vehicle loan or lease

Toyota Motor Credit Corporation has had a delinquency indicator on my report since XX/XX/2014. I have a XXXX balance. What happened was I paid my vehicle off earlier. I called in for the pay off amount. I made the payment they provided to me. A month later they send me a payment but I naturally thought it was paid off. Come to find out later, they were sending me a bill for finance charges still unpaid for the last month of my loan. I tried to dispute the late charges and they refused. I was late due to the dispute that is why it went 90 days. They were unwilling to work with me on this issue. Five years later it is still on my credit report. I wrote letters to them including Toyota CEO.
Product: Debt collection

I received a call today from a " XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are " sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.