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 looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 modified 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.
Product: Checking or savings account

I dont know but I have trouble XXXX XX/XX/year> this took me XXXX but I call dispute and I come the bank to talk in the person I take the money back from 8 days but XXXX weeks later this still to come my account to took my money, I came the branch to talk some one over there he told me he dont have time to help me and he go look up my account he calculated XXXX dollars and he told me call dispute I call this told me 8 days the money the day this still take the money out and I call them this denied me to took my money XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. 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. 

. 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 ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 modified or deleted from the file of the consumer. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I have tried on numerous times to use transunion.com 's credit freeze option. It does not work, I've tried to follow their instructions on clearing browser history/cache and no matter what browser I use I can't access it. Then when trying to call or chat it takes forever to get through to anyone who can help. I've talked to numerous others who pay for transunions credit monitoring and they have even shown me they have no issues. It seems like transunion is using the old pay to play trick. I shouldn't have to pay to get access to a credit freeze. Especially when my information has been found to be leaked on the most recent breach reported online. I also tried to use their fraud alert option as well but I get the same error the status of your freeze is unavailable at this time please try again later or contact us by chat/phone. Then when you call it goes to a call center overseas, not necessarily the most secure system when foreign nationals have access to my confidential information.
Product: Credit reporting or other personal consumer reports

I have disputed this item numerous times in the last years, Experian and/or creditor fail to investigate the matter and just brush me off with canned response that the information has been verified but fail to provide proof and method of validation. Creditor has demonstrated inconsistent reporting as seen in the attached 3 bureau report that I have high lighted the inconsistency across the 3 major credit bureaus that demonstrates the creditor 's inconsistent reporting, FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX XXXX. In the adverse action letter from XXXX XXXX it states a late payment within the last 12 months when the account has been closed but the way the it has been reported is incorrect. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V state that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX XXXX. 

I would like to obtain the method of validation of the investigation along with any/all 3rd parties used to conduct the investigation along with dates and names ( or other means of identification ) of the individuals that worked on the investigation from the Experian. 

XXXX XXXX and Experian are not in compliance with METRO 2 guidelines as seen in the attached 3 bureau credit report.

See updated 3 bureau report Experian is the only Credit Reporting Agency still reporting the erroneous item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Identity theft reports to XXXX  and trans union and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress
Product: Credit card or prepaid card

I CONTRACTED with Home Depot through my Credit Card last XXXX digits of credit card XXXX XXXX see attached ) To REPLACE MY AC UNIT, INCLUDING ALL MATTERS OF INSTALLATION. 
Home Depot subcontracted XXXX from XXXX, Ohio to do the job. 
THEY DID NOT COMPLETE THE JOB. 
I waited 30 DAYS for Home Depot to get XXXX TO FINISH THE JOB T H E Y D I D N O T So, I hired XXXX XXXX TO COMPLETE THE JOB THEN ASKED HOME DEPOT TO CREDIT MY CREDIT CARD THE EXTRA {$560.00} It COST ME TO FINISH THE JOB I CONTRACTED HOME DEPOT TO DO COMPLETELY WHICH HOME DEPOT DID NOT COMPLETE AS CONTRACTED.
Product: Debt collection

Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days.
CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) - Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies - failed to investigate - willful negligence
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. As of the date of this letter, Equifax has not responded to my inquiry. I am writing to formally dispute the following inaccuracies on my credit report and request the necessary corrections : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$3800.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both JPMCB XXXX and XXXX XXXX accounts do not belong to me I have previously disputed this account and requested to be removed since I do not even remember opening or authorized these companies to access my credit. There is no relationship with me and chase XXXX and there is no relationship between me and XXXX XXXX. My perfect credit record is being tarnished by illegally reported accounts on XXXX  only. I am suffering tremendously financially and my reputation is suffering. These are the only accounts on my credit reporting negative and they are not even my accounts. I will seek damages and full compensation for XXXX XXXX, Chase 's, and XXXX 's negligence.
Product: Checking or savings account

I had a checking account with BBVA in XXXX XXXX XXXX. The account was always in good standing. BBVA sold the bank to PNC without any prior notification or agreement with the customers. I didn't use the PNC account for a while because I didn't really need it but then I decided to starting using it. I deposited {$20.00} into the account and the next thing I know, my account has been closed without any prior notification or reasons. I am a XXXX XXXX XXXXXXXX XXXX XXXX  and I didn't expect this treatment from a bank that I had no prior dealings or problems with. I can't understand the reasoning behind PNC 's actions. Is this the way they treat XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had a fraudulent account. I am referring to the account from XXXX XXXX XXXX with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do NOT recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX which makes this a fraudulent account, inaccurate reporting to my consumer profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for ALL forms of communication from XXXX XXXX XXXX to cease and for this account to be deleted. 

15 USC 1692 sec 805A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS BEING DISPUTED ARE ACCOUNTS THAT WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE ACCOUNTS COMPLETELY REMOVED OFF MY CREDIT. THOSE ACCOUNTS HAVE CAUSED GREAT HARM AND I WOULD LIKE FOR THOSE TO BE PURGED INCLUDING THE INQUIRIES LISTED.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

I looked at my XXXX, Transunion, and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 general, 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 modified 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I charged off several accounts with XXXX in XXXX. The company stopped reporting my accounts as charge offs to the credit bureaus in XX/XX/XXXX. However, XXXX started back reporting my accounts as charge offs in XX/XX/XXXX. Also, started reporting duplicate accounts to the credit bureaus in XX/XX/XXXX ; which caused my credit score to drop by over a 100 points. 

I spoke with XXXX XXXX ( XX/XX/XXXX ) Sr Liaison, Credit Executive Office for XXXX XXXX XXXX XXXX XXXX stated, she would address the problems and their actions may have contributed to my scores dropping. 

As of today, the problem still hasnt been fixed. I have duplicate accounts being reported as charge offs and XXXX still reporting my accounts as charge offs from XXXX.
Product: Credit card

I contacted Wells Fargo via email on XX/XX/year>. I have {$310.00} in XXXX XXXX XXXX rewards that I am trying to redeem. Wells Fargo confirmed I have these rewards. The rewards are only redeemable through XXXX. When I attempt to redeem with XXXX they say I have no cash rewards. Wells Fargo opened case # XXXX and Im an email said they would resolve the issue in 10 business days. I received another email from Wells Fargo on XX/XX/XXXX. The email said I need to resolve the issue with XXXX. I contacted XXXX on XX/XX/year>. After an hour on the phone and sending via email all the proof of my rewards being shown available on my Wells Fargo XXXX XXXX XXXX credit card XXXX transferred me back to Wells Fargo with no resolution.
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  and Transunion in collaboration with XXXX XXXX XXXX XXXX are disregard any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, And Experian concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Both XXXXXXXX XXXX XXXX ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. 
The inquires that need to be removed due to no knowledge of them are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The violations that happened to me are XXXX ) All Credit Bureaus are not updated on credit reporting. 
2 ) Refusing to updated and removed false information from credit report.

3 ) Each credit Bureau have different information from one another.

4 ) I provided them with proof and they still refused to remove false information.

5 ) They did not take their time to go over my credit report. 
I have 5 violations that was done to me by XXXX, XXXX and Experian. Meaning I should be getting a check for {$5000.00}.
Product: Debt collection

My security services federal credit union XXXX XXXX has been on my credit report since XXXX and can you please remove it. Ive tried disputing it. Im still waiting.
Product: Checking or savings account

On XX/XX/2023 our company mailed a check for {$86.00} to one of our vendors for payment and on XX/XX/2023 that check was cashed for {$44000.00}. Within that small amount of time, our check was stolen out of the mail, washed and cashed. At the same time, our bank stopped mailing monthly statements, without warning, so we didn't discover the discrepancy until XX/XX/2023. The next day we went to the bank ( XXXXXXXX XXXX  ) and they told us we should have been checking our account twice a day, every day. We filed reports with our bank, the XXXX police department, USPS, our insurance, United States Postal Inspection Service, and even involved an attorney. The only information that our bank provided was that it happened with J.P. Morgan.
Product: Student loan

The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do.
Product: Credit card or prepaid card

In XX/XX/XXXX, I entered into a credit agreement with XXXX credit card company for a 24 month period. The initial amount of the loan was {$18000.00} for an initial interest free period. The remaining balance in XX/XX/XXXX was {$6500.00}. At the end of the 24 month period an interest rate of {$6300.00} was applied. There was a reminder on the last statement that the date for the payment in full was XXXX XX/XX/XXXX, however, in the midst of the Covid pandemic ( with colleagues and childrens school impacted ) I did miss the deadline in the statement which I never opened. I have offered to make the XXXX balance payment in full 11 days late to avoid the exorbitant interest charges but Comenity bank are not willing to entertain it at all despite escalation. This seems very unlike all other institutions most of whom offer flexibility given the global pandemic we find ourselves in.