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

Equifax has failed to fulfill their obligation under the FCRA by receiving factually inaccurate and incomplete information from unreliable furnishers and furnishing it on my consumer report. The furnishing of this information is damage my reputation and patently incorrect and is misleading in such a way and to such an extent that it can be expected to have an adverse effect on me! Therefore I'm disputing the completeness and accuracy of the information contained in my file and requesting that Equifax conduct an reasonable reinvestigation into this matter. I've attached my consumer report highlighting the inaccurate I was able to find. see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN! XXXX IS FALSELY REPRTING 2 XXXX XXXX XXXX ACCOUNTS AND COMENTY BANK XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.
Product: Money transfer, virtual currency, or money service

So I sent money to XXXX  XXXX to my mom. So she went to soriana store to pick it up, but when the cashier was about to give the money to my mom he told her that the system was blocked. Then he told my mom to go to another soriana to get her money. So she went and tried but they told them that the money was blocked. That's when she called me and I went to the Sigue store here in XXXX Arizona to ask the cashier what the problem was. She looked through the system and told me that the money was already been paid. So I told her that my mom didn't receive the money, that it was a mistake. So they called my mom to ask for an explanation and she told them that she didn't get no money whatsoever. So my mom went to soriana again to talk to the manager and they told them that the money was blocked that they need another confirmation number so they can pay. But again Sigue don't want to give that number because they insist that the money was paid. Now they said they need the receipt that proves that the money was paid from soriana, wich is stupid because it doesn't exist. So help me please I don't want to loose my money.
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. 

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 , Attorney General Child Support 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 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

Someone tried to obtain a credit card from XXXX through XXXX.I never applied nor would I.Iwrote a letter to XXXX to send a letter of Deletion to Transunion but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from XXXX. I contacted the bank and they said it was not their responsibility to resolve XXXX disputes.Transunion was very hard to reach and said they could not help me without The Letter of Deletion from XXXX The date I was first aware of the fraud was XXXX XXXX,2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX/XXXX collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account. All bureaus except Equifax have removed this fraudulent account from my credit report and Equifax has never replied to any of my multiple disputes. 

I also disputed the XXXX Card collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.
Product: Student loan

My account is now split into 2 identical accounts. The only difference is that one has a balance and the other does not. I am owed a refund for money paid as a result of the XXXX settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : 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
Product: Debt collection

I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2. A consumer reporting agency can not furnish an account late for any purpose.
Product: Credit card

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. Please remove immediately the following accounts : PORTFOLIO RECOV ASSOC XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2023, CAPIO PARTNERS LLC put a collection in my credit for {$1000.00}. I didnt not give consent for a third party to have access to my medical records
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following accounts listed removed from my credit report as they as fraudulent and I do not know who opened them. XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT OWED {$1300.00} DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$950.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX. XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX ACCOUNT # XXXX XX/XX/XXXX AMOUNT OWED {$360.00} XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was recently compromised by the security breach at Equifax. I did not receive adequate notification, and discovered my information was compromised via their website for the recent security breach on XXXX/XXXX/XXXX. I have not received any information on precisely what information was compromised, what actions to take, or what is being remedied to prevent fraudulent use of my information.
Product: Credit card or prepaid card

Im writing to re-open the dispute with XXXX-XXXX XXXX charge posted in my Chase Sapphire Preferred account XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$440.00} USD. 
XXXX DID NOT provide me with the service and car quality expected from a car rental company. 
I rented a car from XXXX in XXXX on my winter break with my family ( XX/XX/XXXX-XX/XX/XXXX ). The car failed to start on the day of my return flight which made me miss my flights which led me to incur added expenses for new flights. 

I contacted XXXX Corporate Office to report this issue and they contacted XXXX in XXXX. XXXX XXXX XXXX in XXXX refused to refund me the cost of the car rental. Ive proceeded in good faith to resolve this with the merchant to no avail. 

I object to the XXXX-XXXX XXXX charge. As a credit card consumer ; I exercise the right to have this charge removed from my bill afforded by the Fair Credit Billing Act.
Product: Credit card or prepaid card

I opened a citibank credit card about 2 months ago with the acquisition offer of 80,000 thank you point if I make purchase of 4000 dollars in the first 3 months. I have been trying to reach the 4000 dollars in orders to get the initial sign up bonus. however, I have experienced a lot of difficulties of using the credit card. Specifically I have been declined 5 times in the past 30 days which worth more than 1500 dollars purchase when I tried to use the credit card. Every time, after I get declined, I tried to reach out to Citibank to get the fraud/ security alert removed. But because Citibank already declined by transaction, so I have to use my other credit cards to pay for it, therefore there is literally no way for me to reach to the 4000 dollars in order to get the 80,000 thank you point. I have made more than 3500 dollars, and it is getting impossible to reach to the 4000 dollars now because Citibank keeps declining my transactions, and called this is security reason. 

Everytime when I tried to call citibank, I was asked to verify my citibank checking account information. But my citibank checking account has been closed for a long time, and it doesn't even show up on my citiibank online portal., how could I be able to answer the account number question of the account that been closed for a long time? isn't this crazy? 

What I need from citibank ; 1. even though i have not reached to the XXXX000 dollars spending requirement yet, because i am getting super close to the 4000 dollars, and plus citibank keeps declining my transaction, there is no way for me to meet the requirement. I want 80,000 thank you point to be granted to me right now. 

2. i need citibank to review why they still show my checking account as that account has been closed for a long time. this account should NOT be used for account security verfication/ authentication purpose. 

3.I told rep that I could verify my cell phone, my credit card info, my SSN, home address, and all the other info on my account, but I don't have related account info with me,, the rep just can not proceed further. i personally find this is ridiculously, this is suggesting that i am being punished by having multiple products with citibank. if this is the case, maybe to make it easier, I should just stop doing business with you guys all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. JCP account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request an immediate investigation Recently Consumer Financial Protection Bureau filed lawsuit against Experian for its failure to properly investigate consumer dispute, citing sham investigations and other unlawful practices. 

Conducting inadequate investigations. Reinserting previously disputed inaccurate information. Failing to to inform consumers about investigation effectively. These allegations systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned my dispute maybe mishandled in a similar manner. 

Under the FCRA, I request that you investigate this matter, correct or remove the inaccurate information, and provide me with an updated copy of my credit report. Please also notify any parties that received the inaccurate information of these corrections.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of 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 XXXXXXXX XXXX. These are violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION accounts and inquiries on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection accounts and inquiries. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe to be inaccurate. Upon reviewing my credit report, I noticed discrepancies that require immediate attention and correction. 

Specifically, provide details of the inaccurate information, such as incorrect account details, payment history, or other discrepancies I have attached supporting documents [ if applicable ] that clearly show the error and support my claim for correction. 

It is crucial to rectify these inaccuracies promptly, as they may have a significant impact on my creditworthiness. A correct credit report is vital for my financial well-being, and inaccuracies can hinder my ability to secure favorable interest rates or obtain financial services. 

I kindly request a thorough investigation into this matter and the prompt removal or correction of the disputed information. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. and I have already sent a dispute to the credit bureaus to move it and I contact the creditors but still haven't heard nothing back I appreciate your attention to this matter and request that you provide a written confirmation of the resolution once the investigation is complete. Please send any correspondence related to this dispute to you Thank you for your prompt attention to this matter.
Product: Debt collection

Subject : Complaint Against LVNV Funding LLC Regarding Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against LVNV Funding LLC concerning their handling of an alleged debt in the amount of {$510.00}. It has come to my attention that LVNV Funding LLC has violated several consumer protection laws, as outlined in 12 CFR 1006.34 and 15 USC 1681-S, which has resulted in significant harm to my consumer rights and financial well-being.

Firstly, despite the absence of validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), LVNV Funding LLC has placed this alleged debt on my consumer report. This action directly contravenes my rights as a consumer and raises serious doubts about the accuracy and legitimacy of the reported debt. 

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV Funding LLC has failed to provide me with proper avenues for challenging the validity of the debt, thus depriving me of my fundamental right to address any discrepancies or errors in the reported information. 

In addition to these violations, it has become apparent that LVNV Funding LLC has engaged in deceptive practices, including the use of false, misleading, and misrepresented information. Such unethical behavior not only undermines consumer trust but also violates established consumer rights protections. 

Moreover, LVNV Funding LLC has furnished this alleged account to consumer reporting agencies without providing the necessary disclosures mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This failure to comply with legal requirements further compounds the harm caused to my financial standing and reputation.

In light of these egregious violations, I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into LVNV Funding LLC 's practices. I urge the Bureau to take appropriate action to ensure compliance with consumer protection laws and to hold LVNV Funding LLC accountable for their actions. 

Furthermore, I seek the following remedies : Immediate removal of the alleged debt from my consumer report pending validation of the information.

Provision of complete validation information regarding the alleged debt.

Assurance that LVNV Funding LLC ceases all deceptive practices and adheres strictly to consumer protection regulations. 
Compensation for any damages incurred as a result of LVNV Funding LLC 's non-compliance with the law. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumer rights. 

Thank you for your prompt action in resolving this issue.
Product: Consumer Loan

In XX/XX/2015 i brought a pontiac XXXX from u.s.a auto finance, for $ XXXX with a very high entrance rate that brought the total to just about $ XXXX. ever sense i brought the car it have been giving me issues, i had to take the car to get fixed over 5 times within the first month of purchasing the car. The XXXX told me after a year i can take the car back and refinance, so once that year came i tried to return the car and he told me that he 's sorry but they have been brought out by another company and i have to keep the car for another year! Mind you I 'm paying $ XXXX - $ XXXX for a 2006 car smh. I 've been suffering on making this payment on this very high priced vehicle. its ridiculous! i tried once again to return the car and they told me to pay more off before returning the vehicle, i can not and will not continue paying on this car! I 'm in desperate need of help. Now that I 'm forced to return this car, will also effect my credit score. help is defiantly needed at this moment.
Product: Checking or savings account

Recieved a card for XXXX XXXX  account from XXXX after not signing up for anything at all anywhere. The website did not provide any form of support page ( just the same number on card ) and the number demands you give them you personal info or it will just hang up. I am not even able to read any terms or agreement but magically there is anbaccount with a routing number.
Product: Debt collection

So let me make sure that I understand. Despite writing XXXX on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on UCC requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted Santander since XXXX sent documents with their letterhead.