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

In accordance with the Fair Credit Reporting act, XXXX XXXX Bank account XXXX XXXX ; XXXX XXXX account # XXXX ; XXXXXXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted sufficient proof that this account is not valid and that I am not liable. I have a letter from the actual collection company stating that the I am not liable for the debt. After " investigating '', Experian still refuses to remove the negative information stating that the account has been updated. I am including the letter from the collection agency that clears me from this debt, as well as my before and after investigation results. This is a violation.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Product: Debt collection

They have been contacting my father via several phone calls. They also disclosed my personal information to him such as where the debt is from and the exact amount of debt. As far as Im aware, that is illegal.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit reporting or other personal consumer reports

I received notification back from the United States Bankruptcy Court- XXXX XXXX XXXX Michigan that states they do not provide information to third parties or credit agencies. Under the Privacy Act of 1974 and the FCRA ( XXXX XXXX XXXX ), any and all authorization that they believe that I have given to them, they no longer have the bankruptcy needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a 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/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : XXXX The credit Bureau Never responded to my initial method of communication via mail parcel. XXXX of XXXX bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. 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 an account without any written instructions. This grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) please delete the following accounts as they were open fraudulently.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts from XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX  XXXX ; XXXX  XXXX XXXX  XXXX XXXX XXXX Data XXXX ; XXXX  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 without my written instructions.
Product: Checking or savings account

Chase is not releasing my money from a close account due to a XXXX claim that should have been completed within 35 days the claim was open on XX/XX/2024 it is now XX/XX/2024 its doesnt take until XXXX to complete a claim
Product: Credit reporting or other personal consumer reports

I made a puchase at Kohls on XX/XX/XXXX for {$52.00}. On XX/XX/XXXX, prior to the closing date of the billing cycle, I received a charge from Kohls for {$1.00}, which was accidentally charged twice, for a bounce back of my checking account. 

I had gotten divorced and opened a new checking account at the same bank because the bank was unable to remove either spouse from the joint checking account, but I don't use the Kohl 's card very often, and didn't realize that I hadn't updated the account number. 

I called Kohls and chatted with them online several times on XX/XX/XXXX, and they credited back the fee when I explained that this was an honest misunderstanding, I have never been late, and I have excellent credit ( score around XXXX ), and held the credit card account for over 10 years. 

I spoke to XXXX different people who said the account was now cleared, and I got a confirmation that the total of {$52.00} was paid. Nobody had mentioned that the automatic bill pay feature was XXXX, or that I needed to make a one-time manual payment. 

On XX/XX/XXXX, I receive a notification from several credit card monitoring services that my credit score dropped over XXXX points!! I have always had an almost-perfect credit score, always have automatic bill pay, and have never been late. I called Kohls to inquire what had happened, and was informed that the payment of {$52.00} did not process on their end. I immediately paid the total on the app while I was on the phone with the agent, and asked them to clear this late payment from my credit reports, as this was all a misunderstading, and I had already called on XX/XX/XXXX to reverse the charge, update the checking account, and had received an update that the payment had gone through. 

I was told by the agent that they can not update the credit reporting agencies, and that I will just have to accept an XXXX hit to my almost-perfect credit score that I have spent decades meticulously monitoring and cultivating.

If you view my credit report, you will see that I have an installment mortage account, credit cards with a long history ( oldest account was opened in XXXX - XXXX ), and I have never had a late payment and pay all of my accounts off in full every month without fail ( except the mortgage - I cant afford to pay the entire mortgage off in one month, or I wouldnt need a mortgage! ).

Please help. I have already contacted Kohls ' several times, and have paid the amount in full the MOMENT I found out there was a discrepancy. This is not equitable to suffer such a large blow to my credit score all because they didn't process the payment when I updated my checking account, after receiving a notification that the payment was processing. I am the farthest thing from a credit risk.
Product: Checking or savings account

On XX/XX/XXXX XXXX I opened a Relationship Checking XXXX and online saving account XXXX online at BMO.com. Part of the reason for opening the account was an advertisement on BMO website showing a {$600.00} bonus if a Relationship Checking account was opened and {$7500.00} in qualifying direct deposits were made within the first 120 days. 

Starting in XXXX I changed my work direct deposit to go to my BMO relationship Checking account and over {$10000.00} was deposited that month. 

Last month I contacted the bank asking what happened to my bonus and was told that they did not see a bonus on the account. On XX/XX/XXXX I went to the bank and spoke to a agent who told me that I needed to have a code on the account to receive the bonus. 

I feel this deceptive advertisement and request {$600.00} be deposited in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, metro 2 data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinve
stigation 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 shalli ) 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. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX AUTHORIZED USER Balance {$23000.00} Balance updated XX/XX/XXXX Credit limit {$30000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XX/XX/XXXX Credit limit {$5000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Credit usage - % credit usage unavailable Balance {$17000.00} Balance updated XX/XX/XXXX Credit limit -Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXX XXXX Balance details Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1600.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$1300.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

Navy federal was offering a service that would credit your account to a positive balance to allow the use of the child tax credit which any moneys owed would be withdrawn in XX/XX/2022. The bank sent a message out Im error of navy federal that provided the incorrect amount, I just received a new amount which is triple. They arent willing to offer any assistance or payment arrangement.
Product: Vehicle loan or lease

Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising byoperation of law, becomes void upon such a rescission. In addition, I was given false and deceptive information, as I was informed that a down payment of {$9500.00} was needed for me to drive off the lot. 

Notice that Pursuant to 15 U.S.Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$9500.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX WITHOUT PREJUDICE UCC 1-308, i.e., all Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX my package from merchant ( XXXX ) was out for delivery. Ive got text message as soon as it was delivered and signed by someone. I was working that day, and didnt get home until XXXX. 
When I came home, the package was nowhere to find ( I checked in the lobby, with management and neighbors ). 
I opened the dispute with Discover, provided the document, that signature on file from the carrier is not mine, also I have the email from carrier that they were unable to retrieve the package. Discover just said they are not signature specialists and closed the case. 
I wasnt asking to be specialist, but its very obvious the signatures are completely different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information XXXX XXXX and LexisNexis are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.