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

In accordance with 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 Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 1681sXXXX ( 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

Santander USA reported my Auto loan balance as having increased by {$160.00} between XX/XX/XXXX and XX/XX/XXXX which contributed to my score falling by 92 points. This could not have been possible as my payments for that period were all made on-time. Santander USA also  reported 1 missed payment which is not accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. 
Under 15USC 1681 section 602 states that I have the right to privacy, 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I returned the vehicle to XXXX XXXX because vehicle was a total lemon. They sold vehicle & sent me a bill for balance of XXXX. Told bank to send me itemized bill with a XXXX & was told by XXXX XXXX employee XXXX twice that he does not have to send itemized or XXXX & he said he sent me a bill. I have disputed this with XXXX XXXX, Experion multiple times each to no avail. This is hurting my credit & as a consumer requesting itemized balance owed multiple times I just wanted to validate the debt by an itemized bill. This has been over a year I've constantly been disputing this with XXXX XXXX XXXX XXXX XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 XXXXXX/XX/year>
Product: Debt collection

Account # 's XXXX, XXXX, XXXX, and XXXXMidland Funding is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland Funding with supporting documentation and did not receive any response that addressed my concern, about the frivolous and inaccurate reporting of these debt collection accounts. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). Midland Funding is not my Creditor. I attached copies of credit reports directly from the Consumer Reporting Agency to substantiate where Midland did insert multiple credit to trade lines into my credit reports. This reporting is intentional and erroneous and serves to further damage my credit by providing false information. 

Midland - can not extend credit - and CAN NOT be a RETAIL credit grantor. These accounts are inserted into my credit record, as a Credit Grantor - and should not be. 

Midland 's blatant disregard for the FDCPA is intentional and should not be allowed. This is not a one-time instance however but a continuing practice of Midland Funding to systematically oppress those already disenfranchised. 
Midland is in violation of FDCPA 807. False or misleading representations [ 15 USC 1692e ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Knowingly reporting information as a creditor is a misrepresentation. 

Midland places the blame on the XXXX XXXX file that they send to the Consumer Reporting Agencies, however the Credit Reporting agencies confirmed after an investigation that it is in fact the information that is transmitted to them from the debt collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED XXXX XXXX XXXXXXXX XXXX XXXXXXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE {$86.00} XXXX CONSUMER- ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I was checking my XXXX credit report and suddenly saw a hard inquiry for a credit card I did not recognize. I am attaching the screenshot in my report. 

It is from continental finance. 

I immediately froze my credit reports with all 3 bureaus. I tried emailing with an address I found online, but my email is bounced back. 

I called the number listed on the credit report. The Customer service option said - 'if you see a pull on your credit report press 2 '. I did and I was put on hold for 45 mins before I gave up. I can not find any other phone number online, they made it incredibly hard for me to reach out to them. I am angry, upset and frustrated. I am rebuilding my credit after incredibly rough time in my life and I felt a pit in my stomach when my score went down again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, my information was stolen and a loan was placed in my name through Lending Club. However, Lending Club ( LC ) is still on my XXXX credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via LC. I am writing to say that : 1. LC needs to erase the false information from my XXXX  credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, LC should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through Lending Cub.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXXXXXX 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 XXXXXXXX ) I request please that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX IS A VICTIM OF IDENTITY THEFT SOMEONE IS USING MY IDENTITY AND OBTAINING CREDIT AND OPENING FRAUDULENT ACCOUNTS PLESE HELP ME I CANT GET CREDIT AND ITS RUINING MY LIFE ITS CREDIT CARDS, LOANS, COLLECTIONS, HARD INQUIRIES ALL FRAUD XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5900.00} Balance updated XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative.
Product: Credit card or prepaid card

There was a charge of {$69.00} late XX/XX/2023, prior to that a XXXX balance. I went online to pay it before the due date and they were already charging interest before the bill was due. It's my understanding that if you pay a credit card bill in full on or before the due date, you don't get charged interest. If you pay part of it, you're charged interest on the remaining balance the following month. It wasn't much but I should not have had interest charges before the due date, 5 days after a charge. Again I paid it before the due date. If I had only paid {$30.00} I would pay interest on the remaining balance of {$39.00} next month. How are they allowed to do this? The due date was XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stopped updating information to my credit card credit account since XXXXXXXX XXXX ; they listed the account as active but having " no status '', even though they've been receiving account information from my credit union. The account has been very active and there is plenty of current information available, as my credit union sends it every month ; but because Experian has stopped using the information that is reported to them every month, my FICO score has been eliminated : Experian suggests that they reason for no FICO score is that there is not enough information. 

Experian has been thoroughly notified repeatedly by my credit union that the credit report is inaccurate. I have explained it to them very thoroughly, on three occassions. Experian told my they credit union that they would update their credit report, but they have not done anything. They're phony response to the Consumer Financial Protection Bureau completely ignored my thoroughly detailed explanation. 

They have made no serious effort to repair their error and they continue to prevent me from acquiring a mortgage by eliminating my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tesla XXXX XXXX is falsely reporting a loan on my credit report of over $ XXXX. I have never applied for or opened an account with Tesla. I entered into a monthly solar power buying agreement with XXXX XXXX, I did not obtain a loan or ever sign a loan agreement. 

This entry erroneously reflects a higher debt balance that lowers my ability to obtain more favorable credit rates. 

Other consumers have had this happen to them, XXXX XXXX XXXX
Product: Credit card or prepaid card

Gap XXXX Barclays has retroactively increased my interest rate. According to my credit card statements they are charging me higher interest on an old balance that was originally set at a lower interest rate. 

A 2009 law bans credit card complanies from retroactive interest rate increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - XXXX XXXX XXXX XXXXXXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX XXXX - XXXX - Account should have never been reported to my credit XXXX XXXX - XXXX - Never provided written consent to report XXXX XXXX - XXXX - Reporting illegally, Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX CRE XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

They never gave me a credit limit, and decided randomly to reduce and place a limit on the card that was $ XXXX under my balance on purpose for then generate over limit fees to generate more money and charge me more interests fees. This was a tactic the eve rate more money when my AMEX platinum card never had a limit on it to begin with.
Product: Credit reporting or other personal consumer reports

My Data was breach in the Equifax data breach. Equifax continues to not properly address and correct these errors on my credit file
Product: Credit reporting or other personal consumer reports

The company has old information regarding a closed and paid account. This account reflects unpaid and burdensome information regarding me. The account is paid more than what was owed and may very well be outdated ( passed 5 years )
Product: Checking or savings account

On XX/XX/year>, I got a XXXX XXXX  and tried to log into my Citibank account using the Citibank app. On my old phone, I relied on biometrics to sign in, but because I was using a different device, I could not use it and had to enter my password. I forgot my password and the pin number I had set. After several password attempts, I was locked out of my account and was unable to reset my password after providing all of the information I could ( last four digits of SSN, account number, debit/ATM card number ). The app informed me that I needed to contact Citibank Customer Service to unlock my account. I called this number twice. 

The first time I called customer service, the rep asked me to provide my first and last name, last four digits of my SSN, and my account number. I provided my name, last four digits of SSN, and debit/ATM card number, since I did not have my account number. Since I use online banking and I was locked out of my account, I was unable to provide my account number. The rep told me to call back once I had the account number. I opted for paperless communication but recalled receiving paper tax documents and was able to find my account number after going through my documents. 

I called customer service a second time, and this time they asked me to provide my first and last name, last four digits of my SSN, and account number. I provided all the information they requested. The rep put me on hold to transfer me to the Fraud Department. The rep from the Fraud Department asked for the same information I had provided to the first rep I spoke to then proceeded to ask me for my phone number. I gave her my phone number, that is tied to my Citibank account. She then asked for another phone number, which I could not provide because I have only one phone number on file. After being put on hold multiple times, the rep was unable to verify my phone number and told me they would send a letter to my home address in the next few days with a verification number. 

After this phone call, I reached out to the Citibank Executive Response Unit for assistance. I received an automatic email from them confirming that my email was received and will be reviewed with high priority. I have not received a response from the team yet.

I am filing this complaint because I had gone through the entire verification process with Citibank and provided all of the information they requested, only to be told that they were unable to verify my phone number. I have had this phone number for over ten years and have only used this number on all of my accounts. As a result, I am unable to access my account, therefore can not access/manage my money. The holidays are fast approaching, and I have multiple upcoming life events in which I need to access my savings account immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, there was a deferred agreement with Kia finance. ALL papers were signed and returned. Started receiving letters, that my account payments are passed due, at this time received my 1st letter, Tried calling numerous times, but keep getting the run around, and it has been reported on my credit report as being in default or late on payment.i reached out to them again, on XX/XX/XXXX 3way call, I co-signed for my daughter, ( same thing ) nothing solved.Received another letter XX/XX/2021, called on XX/XX/2021 resigned letter again, spoke with a guy named XXXX, was assured the deferment was completed and he received it. Well received another letter on XXXX XXXX 2021 again same thing no head way,. Just received another letter on XX/XX/2021 of this amount is past due.
Product: Checking or savings account

On Monday XX/XX/2023 I deposited my work check {$330.00} at the TD bank on XXXX XXXX in XXXX. The money went through and was in my account on Tuesday. It was there when I went to bed. I paid a {$110.00} XXXX  credit bill and a {$63.00} XXXX credit card bill. I also withdrew XXXX $ to have cash and sent a friend XXXX $ for food along with a {$12.00} XXXX ride as I the money was in the account. The check was cleared. It was my money. There still shouldve been over {$110.00} on top of my tax refund from XXXX XXXX XXXX block of {$150.00} I checked my phone bank and instead I was at a - {$130.00} or XXXX before they credited me 15 as the negative charge was not my fault. I called the back asking about a negative charge for the amount of the check they claimed did not go through the federal reserve. I asked why they cleared the money to my account then and let me spend. The said theyd clear in good faith. That makes no sense. Sounds like its between the employee bank XXXX and them. However, I contacted my employer and she sent a screenshot of bank statement and contacted her bank saying it went through. Her name is XXXX XXXX and the company is XXXX XXXX XXXX in XXXX PA XXXX. The bank took my refund and my money and still says I owe more. They are sending a non fed check. Between the employer and both banks I cant say who needed it but all I did was delay y check, wait till it cleared to pay some bills have dinner with a friend and his son and now no one wants to be responsible for the money I worked for. I now have negative money untill I start and get paid.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : NORDSTORM
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation 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 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 correction action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer,.