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

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX   boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Product: Credit reporting or other personal consumer reports

Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.
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 XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to Experian demanding they investigate an inaccurate account on my credit report. I never did business with the original creditor nor have any contractual obligation with the collection agency. After 30 days, they have neither investigated nor removed the account.
Product: Debt collection

XX/XX/2022 a phone call was made to debt collector demanding re-verification as well as a copy of the original contract with all parties involved. Have yet to receive appropriate documentation. 
Violated 15 USC 1681 [ a ] ( 4 ) as I was not contacted by the debt collector to verify my identity before reporting this debt on my name. 
Violated 15 USC 1681 ( a ) ( b ) as the information being reported ( without validation of whom the consumer is ) was not fair and equitable to the consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Current results XXXX Removed XXXX Remain Dispute sent XX/XX/XXXX In review XX/XX/XXXX Current results : XXXX remain Updated on : XX/XX/XXXX Remaining items may be removed on your next credit report. It can take up to XXXX days to get items removed from your report. 
XXXX item in dispute COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX xxxxxxxxxxxx XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX Theft report number. XXXX
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. 

Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I would like to change my address for Lexington Law Matter.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, highlighting systemic issues, including failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and insufficient notification to consumers regarding dispute outcomes. 

These failures reflect my experience, as Experian has neither corrected nor removed the disputed inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have been dealing with acceptance now on a account that was not in contract but continues to report to my credit report as open and delinquent I have reached out to the district manager and higher and have not gotten the proof needed I get told off and talked to bad as of now the delinquent have hurt my credit score tremendously they have lied liked they call me and have not I am fed up with the treatment and my credit being damaged because the manager refuses to send me the letter stating this is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. 

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

These inquiries are fraudulent and do not belong to me. Please remove them immediately. My data has been compromised due to the XXXX data breach.
Product: Bank account or service

My Banking Accounts were suddenly frozen/closed by my Bank without NOTICE nor release of my cash/money within my accounts. 
I have checking, savings, ATM/Debt card, XXXX credit cards, and Bill Pay service. 
I also have Social Security Direct Deposit into my checking which they now have my money. 

All of which suddenly NOT allowing me to access my accounts/money.
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 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  has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!
Product: Credit reporting, credit repair services, or other personal consumer reports

fact, I the affiant is aware and have proof that Equifax has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed 24 violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Money transfer, virtual currency, or money service

I have a cashapp account. Cashapp closed the account all os a sudden every time I contacted them they tell me someone will email meXXXXIt 's been a year I still can't access my money
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts and inquires on my report.
Product: Mortgage

I was notified by the previous mortgage serviced that my mortgage was sold and would be transferred effective XX/XX/year>. I was told that I would receive a statement from the new company with the loan number. Ive been to the site servers times and tried to find the loan through my social security number and have been unable to. I also tried contacting the company and the phone number listed on the website is not in service. They claim to be XXXX accredited with an A+ but I am unable to get in contact with a company that I am attempting to make a payment to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files : - **XXXX** : XXXX - **Equifax** : XXXXXXXXXXXXXX**** I have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. 

Thank you for your attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello I already disputed these inquiries via phone last month this is going on months having my data on my credit report inaccurate please remove all inquiries
Product: Checking or savings account

I never received the remaining balance of $XXXX on my PNC checking account ending in XXXX  when I closed it. I closed the account on XX/XX/2019, and PNC told me I would receive a check with that balance within 10 business days. Never received it. Contacted PNC by phone several times, and useless. Really frustrated with this issue, and spent quite amount of time with them. I never thought such a large bank like PNC wants to steal customer's money.I have to contact CFPB to get my money back. The case number PNC gave me for this issue is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is in violations FCRA 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 card

I paid for some tickets and they happen to be fake tickets. I paid my bill in full as a good customer and they are telling me since I paid my bill in full they do not want to go after my money on the fake tickets.
Product: Debt collection

In  two pre vious complaints, Santanderconsumerusa has refused to cooperate with the CFPB investigation. They have issued statement, purportedly in response, that blatantly and illegally defy the authority of the CFPB and the government of the United States of America by making nonsensical, false and irrelevant statements regarding the account in question instead of responding as required by law.
Product: Mortgage

My mortgage has been with XXXX XXXX XXXX for several years, I requested a mortgage modification with XXXX XXXX XXXX XXXX XXXX of which was in processing until the servicing was changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted my modification request to XXXX of which it was in processing and my mortgage servicing changed again to Fay Servicing XXXX XXXX of which they are currently processing my mortgage modification request. We have received a property foreclosure notice from the foreclosure Attorney for our property XXXX XXXX. We received the property foreclosure XXXX the XXXX, XXXX. State of Tennessee require the homeowner must receive notice of property foreclosure sale 30 days prior to the sale date of which we a just receiving the notice. XXXX XXXX XXXX is refusing to work with us, they are intentionally trying not to assist us and foreclose on our property. Please Help!!!!!! See Attachment
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payment to be paid on time immediately.

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...