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 I looked at my Equifax credit report on XX/XX/year> and notice 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 lf, 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.

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

I disputed an " Adverse Account '' with Transunion multiple times in reference to an old account which is : XXXX Bank, a revolving credit card account which I included in my Chapter XXXX Bankruptcy filed on : XXXX XXXX, XXXX. XXXX stated they did not XXXX I filed for bankruptcy until XXXX in which they then closed the account. 

I submitted a letter to XXXX regarding the closing date which they admitted was in error, and should have been in XXXX not XXXX, but have not responded to my letters, or have submitted this correction to Transunion, so Transunion can delete this account from my file. 

Transunion stated that by me continuing to dispute this information was frivolous, and that they were reporting this information correctly with the Fair Credit Reporting Bureau. Transunion is reporting this information with " account included in bankruptcy under " Pay Status '', and Chapter XXXX Bankruptcy under " Remarks. '' Transunion removed the Chapter XXXX Bankruptcy from my file, but not the XXXX account, which should have been removed in XXXX XXXX, XXXX. 

Transunion has the removal date as : XXXX XXXX, XXXX, not XXXX XXXX, XXXX, which would make this account 9 years old. 

I am requesting that Transunion update, and remove this account immediately from my file.
Product: Credit reporting or other personal consumer reports

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Mortgage

I had hail damage from a storm on XX/XX/XXXX. My roof was repaired XX/XX/XXXX. The required paperwork was signed off on by a Chase banker as satisfied and payment was made. I received a notification from my homeowners insurance company on XX/XX/XXXX that since Chase hasn't paid my homeowners insurance premium, I no longer have coverage effective XX/XX/XXXX. If payment is received within 10 days, I will be reinstated ; otherwise, I will have a lapse in coverage. I called Chase the day I received the letter and spoke with a rep in their insurance department. The long and short of it is someone within Chase deemed my house a " demolished property '' and therefore, they do not collect an insurance premium for a year while the house is supposedly being rebuilt. All I had was roof damage. It was never demolished. Their rep told me he has been a banker with Chase for 11 years and has " never seen this level of incompetence '' and used the words " flabbergasted '' and " egregious error '' repeatedly during our conversation. He also told me that he was escalating my case and a supervisor would contact me w/in 24-48 hours. Of course, no one has. I called again today and " a supervisor was not available '' and I was given another 24-48 hour window within which to expect a call. The rep also told me that it would not be my responsibility to fund the insurance payment and that Chase needed to re-establish the escrow account, fund it and get my insurance reinstated immediately. Obviously, they have zero sense of urgency since none of that has happened.

This is not the first bad experience with Chase since my mortgage was sold to them last XXXX. In XXXX of this year, I wanted to make an additional escrow payment and instead of withdrawing the additional amount I wanted to apply, they withdrew more than double the amount and coded it as XXXX mortgage payments. I was also told that I could not set up auto payments with them and had to specify dates and amounts to be withdrawn so that I could make an additional payment on my mortgage by the end of the calendar year. That proved to be false, but the level of ineptitude demonstrated by the people I have dealt with at Chase is absolutely horrifying to me since they have ready access to my money. That case was also escalated and took 2 weeks to resolve. 

I have contacted the lender who refinanced my loan and begged them that if they had any say as to who bought mortgages from them, to NEVER let Chase buy another mortgage and told him what had happened. Unfortunately, they can't control that but if there was any way I could get my mortgage away from Chase at the same interest rate, I would have done it. They are the absolute worst bank I have ever had dealings with.
Product: Credit reporting or other personal consumer reports

UPSTART NETW Account Number : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Product: Money transfer, virtual currency, or money service

Dear Coinbase Regulatory Response Team, Per your response : * '' Our investigation into your complaint is in progress. We will respond when we have completed the investigation and are able to provide you with a resolution. Thank you for your patience and understanding.

Sincerely, Coinbase Regulatory Response Team. " * Despite this, my previous emails have been ignored, and I have yet to receive any meaningful update. Additionally, I am unable to add money via my debit card, even though your emails state that I should be able to do so. Can you clarify why this issue persists and provide a resolution as soon as possible? 

I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATEDXXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Debt collection

I got a text message from a company called First National Collection Bureau INC, with a number of XXXX. When I XXXX, and researched the number, it doesn't match to this agency. The area code shows South Carolina, while the collection agency shows it's out of XXXX XXXX. I haven't done any business in either location, nor any company from either location.
Product: Debt collection

Debt is not mine. Trying to bill me for an apartment lease.
Product: Credit reporting or other personal consumer reports

This is in Reference to the following : 1. XXXX XXXX : XXXX in XXXX 2 . Confirmation Number : XXXX 3. Case Number : XXXX Although my previous filed complaints with XXXX and Experian were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file. 

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.
Product: Student loan

XXXX to some credit collection agency yet they aren't on my credit report from 2012 .. My go bill should handled everything yet dept ed.. Sallie Mae loans are all in great standing s right now.. I'm a veteran trying to accomplish my goals and achieve my degrees. yet I have proof these companies were charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

They were letting my card go thru just to charge overdraft fees. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. State I have the right to privacy.

15 u.s.c 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Ive checked my credit and recognize fraudulent accounts with inaccurate info that was not me can you please look in to this matter I have upload my id and ss for accurate info
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax/ XXXX XXXX XXXX XXXX ( CEO ) XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX- XXXX XXXX XXXX # XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Product: Credit reporting or other personal consumer reports

The website and phone assistance are nightmares. I feel like I'm being held XXXX. I can't even VIEW my report. A freeze was requested on XX/XX/year> and that was done done. I have no idea if incorrect or fraudulent information is being reported on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/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 XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

XXXX disputes have been sent and received by Equifax from XX/XX/2023 through XX/XX/2023 regarding an unrecognized XXXX account. Investigations have either been ignored or poorly conducted. The account is riddled with errors and shouldn't be on my consumer report.
Product: Credit card

CAPITAL ONE IS NOT TRYING HARD ENOUGH TO STOP FRAUD. 

THEY HAVE NO PROCEDURE TO TAKE INFORMATION YOU HAVE GIVEN THEM. 
IT HAS TO BE ATTACHED TO AN ACCOUNT. 

YOU WILL NOT FIND IT ANYWHERE ON THE WEBSITE. 
YOU CAN'T WRITE ANY MESSAGE TO THEM YOU MUST CONTACT THEM THRU CUSTOMER SERVICE. 
YOU CANT GET PAST THAT UNLESS YOU HAVE AN ACCOUNT. 

IT IS NOT WORTH IT ... TOO MANY HOOPS TO JUMP THRU. 

THE TRAINING IS NOT ACCEPTABLE I WENT THRU 3 AGENTS TO TRY AND GET AN ANSWER. 
I AM STILL GETTING SCAM CALLS FROM CAPITAL ONE. 

PS I SEEM TO BE HAVING THE SAME PROBLEM WITH THIS WEBSITE, YOU WANT AN ACCOUNT TO BE ATTACHED BEFORE I CAN SUBMIT.
Product: Debt collection

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

IN THE MATTER OF XXXX XXXX XXXX NOTICE AFFIDAVIT OF FACT : NATIONALITY STATUS AND IDENTITY THEFT For the record, I am XXXX XXXX XXXX XXXX, a natural person, in full life, in propria persona, XXXX XXXX. My nationality/ citizenship is XXXX  American, being an XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a XXXX XXXX XXXX  near XXXX XXXX XXXX XXXX  republic. I come now making, a special appearance as an authorized representative, ex-rel.of the artificial corporate person nom de guerre XXXX XXXX XXXX XXXX XXXX 
NOTICE OF FACTS I am a XXXX  American national, domiciled at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ no zip code ] My date of birth is XXXX. The Social Security XXXX ( XXXX XXXX ) has been made public without my consent, constituting a severe breach of my privacy and potential identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. The FTC Report number is [ FTC REPORT NUMBER ]. On XX/XX/year>, I sent a letter to XXXX XXXX XXXX ( acting as Chief Executive Officer ( CEO ) of Equifax Inc. Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, requesting the blocking and removal of fraudulent information from my consumer report. I have explicitly requested the removal of the following fraudulent account from my credit report :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Address Information on My Credit Report Dear XXXX, XXXX, & Transunion, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions