23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Conforming to federal guidelines and applicable state mandates, no individual ( s ) can report injurious details if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting mandates.

Particularly, an infraction occurs if and when a reporter ( s ) and/or any receiving repository ( ies ) act willfully NON-adequately and/or in seeming negligent ignorance and/or with reckless abandon as related to expectations and actual credit reporting behaviors.

Failure to ensure adherence to established credit reporting standards does NOT necessarily lend to factually erroneous or incomplete claims being allowed to report injuriously and unfairly against a consumer ; however, it is not contestable that the very deliberate nature of standards in the industry is to better afford participants to act in greatest accord to contingency ( ies ) legally. 

Hence, the XXXX own XXXX manual detailing the requisites for alleging consumer facts, within the essentially applied XXXX XXXX Data-filled Field Formatted reporting standard ( s ), of which there can be no deviation from without endangering the integral probity, let alone rectitude, of claim ( s ) made by any reporter and accepted by any repository of consumer credit information.

It is the lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned about any claim ( s ) s suspicious information forwarded that lacks certainty of fact.

For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE NOW, and until certifiably compliantly reported, THESE CURRENTLY IMPROPERLY DESCRIBED ALLEGATIONS. Be it inept due to reporter failure to satisfy privilege to report, or due to any involved body of claim failing to successfully navigate through and beyond the challenge I have presented, I demand each such being to confirm document evidence demonstrating factual certifiable compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance with mandates that any MUST have obeyed.
Product: Credit reporting or other personal consumer reports

I am disputing the following unauthorized hard inquiry on my credit report. As per the Fair Credit Reporting Act ( FCRA ), this inquiry violates my federally protected rights under 15 U.S.C. 1681, including : 15 U.S.C. 1681 Section 602A : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Requires written authorization before a consumer report can be accessed.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the reporting of adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) : Prohibits the furnishing of inaccurate information if the furnisher has reason to believe it is incorrect. 
The following hard inquiry was made without my express written consent, and I request its immediate removal : XXXX XXXX XX/XX/year> I request that this inquiry be permanently removed within 30 days of receiving this notice. Failure to comply will result in legal action for non-compliance with federal law. 

Please send me written confirmation once this inquiry has been deleted. If you need further information, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. JXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and find the following items on my equifax unfamiliar i have explained the discrepancies of the inquiries XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX to my records the information they are reporting on my credit profile is unrecognizable.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 submitted a complaint against Transunion back in XXXX about inaccurate information being reported to my credit report and they responded XXXX stating information was being deleted and i PULLED MY REPORT AND I AM STILL IN FACT SEEING THAT SAME ACCOUNT ON MY CREDIT REPORT ALONG WITH OTHER ITEMS
Product: Credit card

Wallet was stolen with SSC and ID, multiple accounts have been opened in my name as well as the culprit racking up speeding tickets, that has been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Credit card or prepaid card

During the summer of XXXX. Discover closed my card due to being unable to verify my identity and told me I could reapply and just verify my identity then. It is now XXXXXXXX XXXX XXXXXXXX and I have tried applying to get a due to status of previous account. My account was closed by discover and now XXXX cant even reapply. None of the customer service agents know how to fix it and numerous have tried to walk me through the application process with the same rejection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax poor security resulted in the release of my birthday, address, and social security number.
Product: Credit reporting or other personal consumer reports

PNC Bank acquired BBVA Compass Bank in late XXXX. I had a HELOC with BBVA Compass for over a decade. MY credit Union, XXXX XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until PNC acquired BBVA. I was informed in XXXX XXXX XXXX that I was three months past due. I immediate paid PNC the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that PNC claimed were never made. After many many months of getting the run around I provided PNC with multiple documents including official communication and verification from XXXX XXXX XXXX that the payments were made and were never returned or rejected by PNC Bank. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, PNC ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before PNC acquired BBVA. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by PNC
Product: Debt collection

They call repeadly 3 or 4 times a day, i have told them on numerous occasions this is not my debt. I have asked them to stop calling as well as certified a do not contact, this is not my debt letter. They still continue to call, not mention the debt they say is mine is well over XXXX XXXX XXXX. I have attached screen shots of the multiple times a day they call, any XXXXXXXX XXXX is from them, I have had many conversations with a XXXX XXXX  and told this all as well. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

My payment became in to repayment status in XX/XX/XXXX or XX/XX/XXXX. Within those 2 months the interest rates on my loans rose twice. I called a Navient representative that reassured me that my loans could only go up twice a year. I recently received a correspondence in my email stating that my bill was ready for viewing. Upon viewing my bill the interest rate rose again on two on my loans from 14.00 to 14.25 and on the other 11.00 to 11.25 percent. I noticed that the loans were going down u til interest rate changed. My payment went from XXXX to XXXX in a matter of six months. According to representative there is no program that will feasible payments or payment plans because they are privater loans and the interest rate is set by the lender. I am a XXXX XXXX for the City of XXXX and all my other loans qualify for the Public Service Loan Forgiveness program.
Product: Vehicle loan or lease

I bought the 2003 XXXX truck on XX/XX/XXXX. It immediately had to go to a shop for squealing noises that the dealer said he would fix but did not. I had to get the bearings replaced. The very next week the radiator blew out and my husband had to fix it himself so we weren't stranded. We took it back to the dealer to fix and he kept it for three weeks. After he gave it back with the steering wheel upside down, we found out that he never told the shop what was wrong with it and they obviously didnt drive it or they would have known the engine was gone. We were told that the coil packs were changed and another part was fixed. We never saw anything like a receipt or proof of what was said was done. A day after we got the car back it started acting up again. Doing the same thing it was doing when we gave it to him. We took it back yo him and he told us that he couldn't keep taking loses and said he wasn't fixing it. Due to the fact that it is our only car we took it to a mechanic to see if we could get it fixed ourselves. We were told that we needed a new motor because two cylinders are gone as well as a new power steering pump because it broke due to the work that had been done to it. My husband and I are low income and don't have XXXX dollars for a new engine and XXXX for the car loan at the same time. The dealer knew he sold us a lemon and when it came time to make good on the warranty, he kept it to run the clock out and dump us to the curb stuck with a car thats no good. He took our trade in said the price was one thing and then it was different when we signed the papers. My husband lost his job and we are suffering health wise from the fumes that are burning off the busted engine. We have no other transportation so even my children are forced to ride in the car putting their health at risk as well. My husband cant seek gainful employment due to not having a reliable car. He is severely limited in jib selection which is further hindering our family.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX. I was sleeping. Suddenly received 2 emails. The first email was that my XXXX account of Bank of America was transferred {$1000.00}. The second email was that my XXXX  account of Bank of America was transferred to {$900.00}. I felt insecure at the time. I never knew the recipient. No bank information was leaked. I had no idea. Why was my money stolen? Then I immediately went to Bank of America to report. Because it was still pending at the time, I asked the bank to terminate the transaction. But the staff of Bank of America only gave me a phone number to contact. Then I also went to the police station and reported to the police on the same day XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have  not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my XXXX XXXX to make sure everything accurate Transunion is reporting on XX/XX/2019 I made a hard inquiry with XXXX. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as Transunion. If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a XXXX credit card and am very happy with that. Just want to fix this inaccurate information. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Fraud. I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and investigate such occurrence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date ] XX/XX/year>2025 **Experian** po box XXXX XXXX Tx XXXX **Subject : ** Dispute of Inaccurate Personal Information on My Credit Report Dear Experian, I am writing to dispute inaccurate personal information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following addresses are incorrectly listed under my personal information section : # # # XXXX. **Address : ** XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX - **Issue : ** This address is reported on my credit file but is not a valid or current address for me. Please remove this address from my record as it is inaccurate. 

# # # XXXX. **Address : ** XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX - **Issue : ** This address is also listed on my credit file but is not associated with me. Please remove this address from my record as well. 

# # # **Request : ** Please investigate and verify the accuracy of these addresses. If they are not linked to my credit history, kindly remove them from my file in order to ensure my personal information is accurate. 

I have attached supporting documentation, such as a government-issued ID, utility bills, or any other relevant information to help substantiate my claims and confirm my correct address. Please update my credit file accordingly. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the inaccurate information. 

Sincerely, **XXXX XXXX XXXX
Product: Bank account or service

I have an Equity line of credit with US Bank. The total of the loan was {$55000.00}. I unfortunately was scammed by a guy I met on XXXX. He told me his name was XXXX XXXX. He suckered me into giving him my Equity Line of credit information. He paid it off and then all of a sudden it was back up to the max. I received a letter from the bank asking me if I wanted to raise my limit and never sent the letter back. Yes it was my fault that I gave this scammer my info but I never gave the bank the authorization to raise my line of credit. I was a victim of a scam. I did n't find out about this until I got a call from someone at the bank telling me I owed over {$84000.00}. If they can call me and tell me that I owed that much then why did n't they call me to ask me if I wanted my equity line of credit raised? This is very scary for me because I can not afford to pay back {$84000.00}. I will pay the {$55000.00} because that is what my husband and I agreed to when we first took the loan out. My husband passed away on XX/XX/2008. I am living on social security and working a part time job just to make ends meet. Please if you can help me I would appreciate it so much. I have spoken to XXXX XXXX in the Fraud dept at US bank phone # XXXX and email is XXXXXXXXXXXX and he told me because I gave this scammer my info I am responsible for the total amount. I do n't feel like I should have to pay the extra money. The bank has my phone number and could have called me to see if I wanted to raise my equity line. They sure called me when the equity line got up to {$84000.00} but did not call me to verify that I wanted it to go over!!! I need help PLEASE!!
Product: Debt collection

Im in the XXXX and my main hospital in my location is XXXX XXXX XXXX base. Being that I was in XXXX XXXX I couldnt make it to the hospital in time so I needed to go to XXXX XXXX XXXX on XX/XX/XXXX. I called the ambulance and was sent to the hospital. XXXX, the military medical insurance paid the hospital in sufficient time and not the ambulance because they did not send them the signed documentation for correction to be paid. However, it was eventually fixed and they received their payment, roughly 3 days before the charges appeared on my credit which has been since XXXX. I contacted the community ambulance and they said that should not have happened because my bill was paid and they would contact the debt collector to remove the debt which has been over a month. I tried to dispute it myself and I have proof that it was paid and it should not have been on my credit to begin with.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX  days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, credit reporting agencies are required to investigate disputes and respond within XXXX  days. Your failure to do so violates these requirements. Additionally, the Massachusetts XXXX XXXX XXXX, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX, and pursuing legal action under applicable state and federal laws. I look forward to your prompt attention to this matter and expect a response within XXXX  days of receipt of this letter.