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

I read news reports that Equifax allowed hackers to access my personal information. 

Equifax has not clearly identified if I was a victim of this, but its website has given me a future date where I may return and use their for-profit service to " monitor '' my credit as it is destroyed by criminals. They will not take any responsibility for maintaining my good credit data. 

Do security firms stand by and watch as criminals break into my house, and then suggest I file a police report? Is n't the point to STOP a crime from being committed and to restrict access to my data? 

Further, Equifax officials have personally financially benefited from selling stock before this was made public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all XXXX credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : XXXX. XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is XXXX XXXX response to my second latest complaint. In it they claim I am raising a dispute. Never did the word dispute show up in my complaint. Here is their response : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at XXXX XXXX //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Lets try it again. TransUnion on its own showed me as delinquent on my mortgage. Trans Union never received a thing from XXXX XXXX or anything else stating that I was delinquent. So on its own Trans Union elected to show me as delinquent. Here is my question for about the 20th time. Why? Why did Trans Union on its own show me as delinquent?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Acccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Loans Account XXXX XXXX However, they stated everything was complete and the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

Attempted to establish dispute with Two of Three Credit Reporting Agencies. I was able to establish this with only one of the Credit Reporting Agencies : 1 ) XXXX   XXXX XXXX Therefore, this Consumer Protection Bureau Compliant is established against improper compliance with the Consumer Protection Act Fair Credit Reporting Act Compliance : 2 ) Equifax XXXX www.equifax.com 3 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Product: Checking or savings account

Hello on XX/XX/16 as I was shopping my chime account was closed around XXXX midday. I had money in my savings account and my credit card which is all linked. I reached out to a chime representative and she ensured me that it must have been a mistake but that I should keep trying to contact chime because they would never closed an account in one day they will give you at least three days to move the funds. However I wasnt given that chance. I was shopping for food for my home and family and I havent had access to none of my funds. This has caused me emotional stress and I wont rest until someone help me. I will get a lawyer because by law you can not close an account and keep peoples money. I dont fare for the account I just need to be given access to my account to move the money. Also I have reached out to chime in several emails hoping that they have responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I used a platform called XXXX XXXX XXXX to help settle my account with LVNV Funding LLC. Instead of sending a counteroffer, the company used their law firm, XXXX XXXX XXXX, to sue me for the money owed.
Product: Credit reporting or other personal consumer reports

Despite XXXX  numerous attempts to address the presence of fraudulent, XXXX, and XXXX  information on my XXXX  report, the issue remains XXXX. The inclusion of these items has profoundly impacted XXXX XXXX causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this XXXX  with XXXX XXXX, as XXXX XXXX fallen victim    to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three dispute letters to all credit report agencys regarding account XXXX XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
Product: Credit card

i had received a letter from American express requesting financial information. 
I faxed that info to them at XXXX and have a fax confirmation page. they say they never received it. then they abruptly cancel my card. I called them and they told me it was sent to collections. so I did n't pay my bill. I talked to the collection agency about this and they said they cant do nothing about it. seems like a lie to me how can they alt out tell me they did n't get the info and I have a fax confirmation I told them I would pay it in full and they need to reinstate my account and remove the credit reporting since it was their error nothing back nor return calls seems like the planned on doing this on purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report.
Product: Credit reporting or other personal consumer reports

I've been participating in the dispute process with Transunion since 2019. Transunion has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. Transunion refused to provide me a copy of the free Annual Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There's been several investigations, and Transunion has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. XXXX  XXXX is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to Transunion, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.
Product: Credit reporting 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
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.

| The accounts below have violated my rights.

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

15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a savings account with XX/XX/XXXX and made several transfers from my outside bank totaling {$500000.00} dollars. The purpose of this account was to fund Two Popular direct CD accounts that I opened at close to the same time. Popular Bank put a Fraud Hold on my acct. and would not let me move my money from the savings account to the higher interest rate CD accounts. I called several times trying to verify my identity and have the fraud alert removed from my account and finally they told me to send a copy of a voided check to their fraud dept and wait 4 days and this would fix the problem. I sent a copy of the voided check and waited the 4 days. I again called Popular Bank to inquire why my acct was still on Fraud hold. they claimed they could not read the document I sent them. I opened the email I sent and it is perfectly clear. I finally requested they close my accts and return the money to the outside acct that I sent the funds from that is also linked to the acct. They agreed to do so and said it would take 2-3 days. It has now been 3 days so I contacted them again today. The customer service agent from Popular Bank said my acct is still on fraud hold. This is a very difficult situation and Popular bank fraud dept will not release my fund nor contact me directly to resolve this situation. They are holding all my money and will not return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is inaccurately reporting a {$1100.00} balance on my credit report when my balance is actually {$0.00}. XXXX XXXX is inaccurately reporting on my credit report. This account does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting a balance on my credit report.
Product: Mortgage

I am filing a complaint because the Money source has failed to provided the correct information. They are stating to the lender I have been late 13 times in the last 12 months, then another rep states I have been late 2 times and then another rep say 10 times. XXXX has tried to gather information in order to pay off the money source and close my loan. the money source has done this to previous costumers in the past as you can view these complaints at the XXXX. I have filed with them as well. I need further help. 

After sending the email below, XXXX XXXX from The Money source called me. There are so many conflicting documents and information being thrown around and that is not fair to our borrower. The one thing every agent ( we worked with 4 ) from the money source can agree on is that there have been 0 late  payments in the last 12 months. Going back further, Keep your home CA was making those payments on XXXX behalf. That is why we are paying off keep your home CA with this refinance transaction. 

The Money Source does not do verbal verification with XXXX and us, however, we got them to give us the information from 2 different agent and both had different information the rules and they accepted to do 2 previously. Yesterday, XXXX, myself and the borrower were on the line for over 2 hours trying to get the dates of the 4 late payments added to the last supplement. However, no one would give us that information. They said theyve given all they can and they can no longer accept any phone calls. 



Ive received the following attached documents all within the last week. As you can see, they all have very different information. 

The last 2 attachments are from verbal verifications we did on the phone with you ( The Money Source ), XXXX and the borrower. That is what we prefer. However, if you are unable to do a verbal again - that is fine. We can accept something showing The Money Sources name on the top. 

I am needing the following information : Has XXXX XXXX been had any late payments in the last 12 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Has XXXX XXXX been had any 30+ day late payments in the last 24 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Next payment date for his loan Last payment date for this loan Was this loan included in his bankruptcy? 
What is the outstanding balance? 

These were email correpospedece with them. 

They have refused to provide the correct information and the loan is unable to close because of this.
Product: Credit card or prepaid card

I had autopay set up with my XXXXXXXX XXXX account. Discover instead decided to debit my Discover Bank savings account {$600.00} on XX/XX/2022. My Discover Bank savings account was unused. I immediately transferred sufficient cash ( {$700.00} ) into the Discover Bank account to cover the overdraft ; Discover retried the debit after the transfer had posted, on XX/XX/2022. However, instead of using the {$700.00} that had been deposited into the account, Discover then returned the {$600.00} ACH debit on XX/XX/2022. At that point, Discover charged me a {$35.00} returned check fee. 

I attempted to get a refund of the {$35.00} returned check fee, but the customer service person stated that the fee was 'contractually required ' and would not be waived. I believe that Discover 's bad faith actions in returning the ACH transaction when sufficient funds were available warrants a reversal of the fee.
Product: Debt collection

This is XXXX XXXX and XXXX XXXX We offered {$280.00} on the collection account and they refused. They want between {$500.00} and {$650.00} to cover a {$750.00} debt and this is too much. We want to pay if but to be fair to both parties. We are elderly ladies that are co executors of the will and there was little money to cover the expenses and we did promise to try to cover all of his debt. We fell short because this company will not work with us. XXXX was a XXXX vet and XXXX that incurred a lot of medical debt in his last year. He loaned someone money that wrong bad checks to cover the loan and that was unfortunate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the statements and terminology used in Experian 's credit report. This is misleading and inaccurate and does not give the consumer actionable information and appears arbitrary. 
My score fluctuates between XXXX and XXXX or so. On the screen where you can read what is hurting your score, it says " Short Account History. '' I have attached a screenshot of the screen. I am XXXX years old. I  do not have a short credit history. I do have a relatively new card opened about a year and a half ago and a new mortgage. BUT, the definition reads " People with longer credit histories who INFREQUENTLY open new accounts generally pose less risk to lenders. In YOUR case, the age of your oldest account and/or the average age of your accounts is RELATIVELY NEW. '' Yet my oldest account is XXXX years old!!!!!
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/year>. I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates reverse all payment history to pay as agreed above within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights.