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 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX. The Credit Bureaus stated my accounts was properly investigated and/or verified. How is that possible if the date last activity is inaccurate, chargeoffs amounts are different, and/or the opened/no closed date for written/charge offs accounts shows on my credit report as a closed account before the open date of the account. This grounds for removal as they have multiple errors that have violated my rights under the following laws : 15 U.S.C. 1681 section 602a States I have the right to privacy. 15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. section 605c a. section 1 : Running of reporting period. ( XXXX ) In general. The XXXX period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 15 U.S.C. section 603e in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX : The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
-Equifax Information Services LLC : The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent.
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a XXXX in the Federal court system XXXX XXXX XXXX XXXX XXXXXXXX in The XXXX XXXX XXXXXXXX XXXX. 
I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 XXXX  XXXX XXXX XXXX / XXXX. {$680.00} XXXX 2 XXXX XXXX XXXX XXXX {$3600.00} XXXX 3 ) XXXX XXXX XXXX {$6700.00} XXXX 4 ) XXXXXXXX XXXX {$7400.00} XXXX 5 ) XXXX  {$3700.00} - XXXX 6 ) XXXX XXXX XXXX {$210.00} XXXX 7 ) XXXX XXXX XXXX {$1200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Credit Card , 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, 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 In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, 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
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate personal information listed on my credit report from Experian. Specifically, the address " XXXX XXXX XXXX, XXXX, NJ XXXX '' is not a valid mailable address, and " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX '' is a location where I have never resided. The inclusion of these addresses on my report is negatively impacting my credit profile. 

I am requesting that these incorrect addresses be removed and replaced with the correct information. Please investigate and correct this error in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

hi This is XXXX XXXX! I have several issues with Experian and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and Experian are XXXX  my credits and providing wrong information to lenders. If lenders pull credit reports from EXPERIAN and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the removal of all negative and inaccurate information from my credit report that resulted from the XXXX data breach of XXXX, which exposed the personal data of approximately XXXX XXXX consumers, including mine. 

XXXX. My Information Was Compromised in the Breach As a confirmed victim of the XXXX breach, my personal dataincluding my Social Security number, date of birth, and other personally identifiable information ( PII ) was exposed due to Equifaxs failure to safeguard consumer data. This has led to unauthorized use of my information, affecting my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], I have the right to demand that fraudulent or inaccurate information resulting from identity theft or data breaches be blocked and permanently removed from my credit report. 

XXXX. Legal Violations and Consumer Rights XXXX violated several federal and state consumer protection laws, and I demand the CFPB enforce my right to remove the affected information under : Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ] Credit bureaus must ensure data accuracy. Any disputed, inaccurate, or fraudulent information must be corrected or removed within 30 days under XXXX XXXX. XXXX ( a ). 
Fair Debt Collection Practices Act ( FDCPA ) [ XXXX XXXX. XXXX ] If any debts on my report were a result of identity theft linked to the XXXX breach, they are invalid and unenforceable. 
Federal Trade Commission Act ( FTC Act ) [ XXXX U.S.C. XXXX ] XXXX engaged in unfair and deceptive practices by failing to protect consumer data, violating Section XXXX of the FTC Act. 
XXXX Data Breach Settlement ( Federal Court Ruling, Case No. XXXX ) XXXX admitted liability XXXX and consumers affected are entitled to full remedies, including credit correction and identity theft resolution. 
My Demands for Resolution In accordance with the laws mentioned above, I demand the following : Permanent removal of all inaccurate and unauthorized credit inquiries, accounts, and negative marks associated with the breach. 
Full compliance with FCRA provisions ensuring my credit report reflects only verifiable, accurate, and authorized information. 
A written statement from XXXX, XXXX, and TransUnion confirming the removal of all affected information and steps taken to prevent further harm. 
Enforcement of penalties against XXXX under XXXX XXXX. XXXX for willful noncompliance with consumer protection laws.
Product: Checking or savings account

Discover sent letter saying someone tried to open fraud account and refused to give me information. I closed account. Discover refuses to send refunds after account closed and bank statement requested several times.
Product: Debt collection

Ive disputed on several occasions all credit card debt this company now holds. My primary concern is the dates opened stated on my credit report by XXXX XXXX XXXX. All of them are not correct. Just the credit cards that I can see. I did not open any accounts in XXXX or XXXX. 
I have had some identity theft concerns due to warnings by apps and companies that help me protect my information of my information being leaked. Im just trying to verify the amounts andThe actual open dates of these cards.

I havent had any luck via dispute.
Product: Debt collection

I currently have an outstanding debt with American Express. I understand that I am behind on payments and their job is to collect this money. However, I received repeated phone calls, voicemails, and my grandma also received repeated calls. Again, no big deal, I understand this is their job. I wrote a check to American Express with a note stating to cease all phone calls, I want to only communicate in writing. The check was cashed, so I know the letter was read. The check was cashed on XXXX19. However, on this same date I received another phone call, after the check was cashed, after they received my letter. They did not cease phone calls until I again had to contact then and threaten suit for violating the FDPCA.
Product: Vehicle loan or lease

Our auto loan with Pentagon Federal Credit Union was on XXXX for the entire 60 month loan. For the final payment ( month XXXX, XX/XX/2022 ) they did not deduct their payment via XXXX and without notifying anyone and the account went in arrears. PenFed did not reach out to inform the loan was late, and I was only alerted when my credit score reporting service notified me that my score had significantly dropped. 
I contacted PenFed immediately, paid the unpaid month, and opened a series of credit disputes, including case # XXXX with PenFed. They have not corrected their error nor explained why a loan correctly setup on XXXX would go late. PenFed claims they can find no error on their part, this is inaccurate and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was brought to attention XX/XX/XXXX called XXXX XXXX XXXX got told they can bring down the total amount from XXXX down to XXXX which would make the account paid in full which I agreed upon XX/XX/XXXX called back spoke with XXXX the whole time paid the balance which we agreed on the XXXX a few days past by I go check my account still shows I owe XXXX $ which was not part of the agreement the account should be paid in full
Product: Debt collection

I returned from XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) in late XXXX. Afterwards I then learned of an account that went into collections while underway. I have not received anything from Velocity Investments , LLC. And have attempted contact 4 times asking for verification and informing of SCRA protections.
Product: Debt collection

XXXX XXXX  unknowingly signed me up for classes Now I am being harassed by a different bill collector every day, claiming I am a student at XXXX XXXX XXXX XXXXXXXX campus and that I owe them money, I have never even applied for admissions there. 

Illegal debt collecting practices : -- -Taken away my right to find out if the debt is legitimate by constantly switching the debt collector so far there's three and two days that have contacted me this week. Also I can not find any student enrollment information as XXXX XXXX  is gone and I never applied or was enrolled in Arizona. 

-- - The calls, the emails, and the letters keep coming. This week 3 different collectors in 2 days. This new " phantom debt from XXXX that just appeared this week. I work nights this is very taxing on me to have to wake up to debt collectors phone calls. I'm constantly sorting through emails and letters that is being sent to me from unknown people with an unverified debt. I'm doing my best to track down this debt and I have to stay up at ours that I'm normally asleep to contact people. 

-- the deck collector is saying that in XX/XX/XXXX I was enrolled in XXXX XXXX XXXX  XXXX campus and signed up for an XXXX  class and then dropped it. There's no record whatsoever of me ever being enrolled or applying and XXXX XXXX XXXX XXXXXXXX campus. XX/XX/XXXX I was fully enrolled in XXXXXXXX XXXX XXXX XXXX and using FASA loans. 


I got scammed from a fake university called XXXX XXXX  that was claiming that my FAFSA would cover the classes. That was not the case. Here is the lawsuit see the link at the bottom " XXXX XXXX judge fines ex-owner of XXXX XXXX  $ XXXX for bogus admissions tactics '' I had signed up for one class that I was going to transfer to XXXXXXXX XXXX XXXX XXXX where I have been since XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX After I signed up for the class they told me I was gon na have to pay cash after I started attending so I said I'm not taking any more classes I won't sign up for anymore. I finish the class and pay the debt in the company went under. It got sold to XXXX XXXX XXXX  XXXX campus. I called that new campus to make sure I didn't have any outstanding debts from the scam. I also called to see if I can't get my transferred credits via use of my transcripts which they did not have or any information on me whatsoever. 






Here is the link to the ruling XXXX  : XXXX
Product: Credit reporting, credit repair services, 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 # XXXX, XXXX XXXX XXXX # XXXX, 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 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: Checking or savings account

On XXXX, XXXX XXXX an alert was sent to my phone from XXXX tracking for package delivery. This was a package that I did not order. I immediately opened my account to see a pending charge for a company XXXX XXXX XXXX. I called the capital one bank and notified the day of the pending transaction ( XX/XX/XXXX ). I was told, I had to wait for the charges to clear to file a dispute. On XX/XX/XXXX, I filed dispute after the transaction posted. Capitalone is denying my claim because the merchant ( XXXX XXXX ) said that my name and address matched the order. The total was XXXX. I attached the XXXX  shipping tracking information, in which it is plain as day that the package was rerouted multiple times before ultimately being sent to XXXX. My identity was stolen to make this purchase. I did not even receive a package that I Have now paid for and have no idea what was even purchased. So, if both parties, ( capital one and XXXX ) are saying that I made the purchase, I didnt receive a package. Which once again clearly showed it was sent to XXXX ( 2000 miles from my current location. I filed an appeal with capitalone and called the merchant myself. Capital one is now sending me their investigation findings as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX notified me about a credit card application to XXXX XXXX XXXX XXXX I did not apply for a XXXX XXXX XXXX XXXX. XXXX assisted me and we called the merchant. I reported identity theft and requested the application be cancelled and my credit inquiry be removed from my credit report. XXXX XXXX made me notify a credit provider ( I picked Trans Union ) and I filled out the 1 year fraud alert and now XXXX XXXX has sent me a letter stating I HAVE TO GET A COPY OF THE POLICE REPORT EVIDENCING THE CLAIM OR IDENTITY THEFT OR A PROPERLY COMPLETED COPY OF THE IDENTITY THEFT REPORT BY FTC AND A PAYSTUB OR W2 FORM, BIRTH CERTIFICATE OR DRIVERS LICENSE. 

I want this inquiry removed from my credit report! 
XXXX XXXXXXXX XXXX  is ridiculous and NO help! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of accounts that was previously deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The reinsertion of these account violates my rights under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ( iii ) Reinsertion of negative Items and 15 U.S.C. 1681i ( a ) ( 6 ). These reinserted items are holding me back from obtaining a car and a stable place of living.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity. These items are not transactions conducted by me as a consumer XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employment Information : XXXX XXXX, XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank you XXXX XXXX
Product: Mortgage

I received a notice in the mail that I missed the XXXX 2016 payment on my mortgage from Chase Bank. When I went to the Chase online Bill Pay center to pay my mortgage, the system populated with the following choices : monthly amount due, late fee, additional principal, additional escrow/shortage. Nowhere was there a choice to pay the missed payment, nor an indication that I actually owed two monthly payments. So, I paid the " monthly amount due '' and the stated late fee in XXXX, 2016. Then, I received another notice, stating that I missed my XXXX, 2016 monthly payment and assessing another late fee. 

I believe the Chase Online Bill Pay system is deceptive and resulted in me incurring additional late fees that I should n't have incurred. I now have put through several monthly payments, along with XXXX {$120.00} late fees. That is wrong, particularly for a customer who consistently pays her mortgage on time and simply missed XXXX bill in the mail at the end of the year.
Product: Credit card

I asked Synchrony to remove fees since I was paying what I think was well in advance of the due date of the XXXX of the month. They said I could not make payments prior to their billing cycle which they said was sent to me. My dental uses them for patients with outstanding balances : mind was more than than {$4000.00}, however, there was no interest if balance was paid before a year. I was paying {$500.00} a month.
Product: Checking or savings account

I tried calling my bank about my checking account over 4 times int the course 4 days but they would not contact me in order to help me reopen my account after being suspended I need to pay my bills and my check just got put through and for some reason this bank has failed to contact me about my account 's status.