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

The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion 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 is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give nobody written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed that there are several fradulent hard inquiries that were not authorized by me. 

These inquiries are negatively affecting my credit score and I would like to have them removed as soon as possible. 

I have also contacted the FTC regarding this matter, and there is paperwork documentation on file for Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint Ive submitted against Equifax. They continue to incorrectly report my credit. I have had my XXXX XXXX credit card for over 6 months now and they still wont include it in my report and thus my credit score has remained inaccurately low. I have also had an XXXX XXXX card for over 4 months that they have not included on my report. I understand that it may take a little time for the cards to show up, but 6 months is ridiculous and it is criminal that they are not including it and thus keeping my score artificially low. Criminal! My credit score affects every aspect of my life and equifax and the other agencies are ruining it, without merit! I have also had a discover credit card and XXXX XXXX savor for over 2 months. Not surprisingly those have not been reported as well. Please fix this companys ineptness at reporting my credit score accurately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent A letter to dispute collections and unauthorized inquiries on my credit report sent out XXXX on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX ) sent out Equifax which were sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX and XXXX ) I did not receive respond within 30 days. I requested in dispute letters for copies of proof of the the original contract with originals signatures and if the could not verify and provide proof to delete accounts from my credit report within in 30 days. they did not provide original contracts signatures or proof and they did not remove disputes from my credit report. I also requested for all un authorized fraudulant inquiries listed to be removed and they were not removed. I called equifax today on XX/XX/XXXX and XXXX to ask why where they not removed and they stated they can not remove inquiries that I have to write a letter to each company listed on inquiry and dispute them to get them deleted. 
I would like my the collections I listed to be delete and all inquiries listed to be removed
Product: Checking or savings account

In XX/XX/2022, Capital One opened a XXXX XXXX XXXX Account in my name without my permission. I never used the account. In XX/XX/2022 Capital One closed the account just as mysteriously as they had opened the account two months prior. Again, I had no transactions in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$480.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report. {$190.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law. 

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft. 
In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.
Product: Checking or savings account

Hello, i have a verified Paypal account. Once the account reached XXXX paypal froze the account under false pretenses, saying there was suspicious activity. There was no suspicious activity. The account is frozen with them demanding information yet not responding to what was sent. I sent a bank statement showing my address. I want them to close my account and send the money to the address on file. I've experienced this extortion before. Paypal knows I use the account to receive XXXX  payments and to shop so they freeze the account once it reaches a certain level. Paypal will not respond to my submissions. 


Nationwide Signing Paypal email XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report, I have a negative item from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NV XXXX in the amount of XXXX. 

On several occasions over the past month I have disputed with Equifax that this debt was was actually paid as agreed, and requested proof that the debt was not paid as agreed. Each time I receive a reply that that have confirmed that the debt is being reported accurately. 

However, on not once has Equifax or XXXX XXXX XXXX XXXX been able to provide me with a single document showing that I did not pay the debt as agreed, even though I have requested such documentation. It appears that Equifax is simply asking XXXX XXXX XXXX XXXX " are you reporting this accurately '' and taking their word for it. 

How can Equifax be verifying this debt without having some sort of back up documentation that it was not paid as agreed? Why hasn't this documentation been provided to me? A ledger card, contract, or any number of other items would suffice in proving this debt was not paid as agreed. I have attached my most recent request to Equifax that outlines some examples of documents that would satisfy me as proof that I did not pay this debt as agreed. 

How can it possibly be legal, or ethical for a company to that is responsible for providing accurate consumer information to report such information and then claim that have verified it without providing appropriate documentation of the debt?
Product: Debt collection

Transworlds Systems INC collecting agency has sent a collection notice dated XX/XX/XXXX with the amount of {$300.00} referring to debts to XXXX XXXX XXXX XXXX as the creditor. 

While I dont have any business account with XXXX and whenever I go to local store at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX to send or return a package I pay immediately the bill. Last time was XX/XX/XXXX with the amount of {$15.00}. 

So neither I owe any debts ( cause I pay my creator card charges in full every month ) nor got any prior communication regarding this debt claim.
Product: Checking or savings account

On the XXXX of XXXX, I submitted the following complaint against Citibank theough concumerfincance.gov : " To whom it may concern, On or about the XXXX of XXXXXXXX XXXX, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent, and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my holidays plans and caused me to lose my car. I would appreciate any advice and help on this matter. '' On the XXXX of XXXX, I received a response form Citibank representative that was not of any help- it was the same statement that I could receive from robotic customer service representatives of a call center : it stated that the account must be closed within 60 days and the close out check will be sent to me then. 60 days expired on the XXXX of XXXX, and the account was not closed. I called Citybank on the XXXX, XXXX, and XXXX of XXXX requesting a callback from a supervisor. Every time I called, the representative stated to call back in XXXX hours and the account will be closed. 
As of XX/XX/XXXX, MY ACCOUNT IS STILL OPEN.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report earlier today, which came as a complete surprise. Checking the report as usual revealed these discrepancies, and attempts to refresh the browser didnt remove them. I am extremely frustrated and request an immediate review of the documents I sent so I can put this matter behind me.
Product: Checking or savings account

This complaint shall serve notice that I am locked out of my account and unable to comply with the UCC ( Uniform Commercial Code ) of submitting/catching fraud within the 90 days by law and also Regulation E of XXXX rules and regulations. 

I do not know my account number since I am locked out of the account, but the email address that is associated with the account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 49358** 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: Debt collection

I am writing to formally lodge a complaint regarding a recent court proceeding in which my rights as a consumer were violated. The case involves XXXX XXXX XXXX, who sued me in court claiming to represent Discover Bank. 

During the proceeding, the presiding judge displayed a concerning lack of understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the rights it affords consumers. Specifically, when I informed him we had requested a debt validation letter, the judge asked what it was and appeared unfamiliar with this essential consumer protection under the FDCPA. 

Additionally, the judge 's ruling was based on an inadequate assessment of the case. When asked whether I had a credit card, I answered affirmatively. Without any further discussion or consideration of my rights under the FDCPA, the judge ruled in favor of the plaintiff. This cursory handling of the case ignored my right to have the debt validated and any potential defenses I may have had. 

I am deeply concerned that if this judge is overseeing similar cases without a proper understanding of consumer rights, many individuals may have their rights violated and face unjust judgments. It is imperative that judges handling debt collection cases are well-versed in the FDCPA to ensure fair and just proceedings. 

Given the seriousness of this matter, I urge you to investigate this case and take appropriate action to ensure that consumer rights are upheld in all debt collection proceedings. It is crucial that the judiciary is knowledgeable about the laws they are enforcing to prevent further injustices. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

I made a purchase in XX/XX/2021 for {$350.00} for vitamins. I received an empty envelope. I contacted my discover card and filed a dispute. They have taken the charge off and on since then I had text and proof of my purchase and photos of empty package. I did not buy web design as the vendor stated. I backed up my claim and discover received my backup. On XX/XX/XXXX they put the charge back on my card without telling me in writing or phone. I still have no letter or proof of vendors claim which is the law and no letter stating I can appeal I have called discover 3 times but they just stalled. I spoke to XXXX in exec office at discover. She never called back as promised. She finally said they sided for the vendor. I said you are taking his word over mine and they said he is a client too. Thats strange since Im the one missing {$350.00}. 
I am attaching backup of texts and my empty envelope and my emails claiming nothing was in the envelope.
Product: Mortgage

There was a change in Server of my mortgage from XXXX to New Rez, XXXX had transfer what they had in the Escrow Account to New Rez. XXXX XXXX was collecting per month {$420.00} up until XXXX XXXX and I was paying the same amount to New Rez for that escrow calendar year, which amount to {$5000.00} for that year. I had notice there was same type of problem that was going in the pass, where the Insurance Company was writing policy that was fraudulent, what they was doing adding their values to my dwelling, personal property to increase the values of the policy for more money for that year. I had call the for Policy Service the Producer of the policy for XX/XX/XXXX to XXXX XXXX to change those value and she refuse to do so. I told that person then I was going cancel that policy, and I call her on Friday of that week, I had to her on Monday it was XXXX XXXX, but I had call her back the next day an told her cancel that policy. But that policy was paid for before I had received and revue that declaration from XXXX XXXX. XXXX XXXX premium had cost {$4000.00} and the other insurance cost was {$2500.00} with State tax was was {$1600.00} had came to a total of {$4100.00} from {$5000.00} there was a surplus of {$850.00}. I was sent a check for only {$340.00} and {$510.00} was with held from me. I was inform the remaining sum was place in a Cushion account. Which there was never such an account in sixteen years of my loan. I feel their action was base on me telling that Escrow Department they had no rights to purchase a policy for me before I had review the declaration an cancel it.
Product: Payday loan, title loan, personal loan, or advance loan

This company has participated in predatory, manipulative, and irresponisble loans with interest so I high they can never be paid off in a reasonable amount of time. I believe they are loan sharking.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX Request to Remove Unauthorized Hard Inquiry from My Credit Report I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit report from [ XXXX XXXX XXXX ], I noticed a hard inquiry that I did not authorize. The details of the inquiry are as follows : - Inquiry Date : [ XX/XX/year> ] - Creditor/Company Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or give permission for this hard inquiry. Therefore, I believe this inquiry was made in error or as a result of potential identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this hard inquiry from my credit report to prevent any negative impact on my credit score. Please find attached copies of the following documents to support my claim : 1. A copy of my credit report highlighting the unauthorized hard inquiry.

2. A copy of my government-issued ID ( driver 's license/passport ) for verification purposes.

3. A copy of a recent utility bill to confirm my current address.

I kindly ask that you investigate this matter promptly and remove the unauthorized hard inquiry from my credit report. Please confirm in writing once the correction has been made. If you require any additional information, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Student loan

I tried to contact AidVantage on XX/XX/2022 at XXXX. After being on hold for about 10 minutes a representative had my call come through their queue ( I know this because the line rang and then I was put on hold - I work in a XXXX XXXX  and am very well aware of how this works. ) I was then on hold for 20 minutes before the line was disconnected and the survey came through. I knew to hold as, again, I have experience with the policies of a XXXX XXXX. I left the rep all 1s for their rating ( and surely messed up their metrics in the process ) but couldn't get a hold of the company to express these concerns. As this was the first time I was trying to contact my new aid manager, AidVantage certainly fell very short of my expectations. I will be removing loans from them one at a time, as I can, as quickly as I can, to ensure they get as little interest as possible. Their reps are a reflection of the company and so far, it's fallen quite short of expectations.
Product: Vehicle loan or lease

I have a loan through 5/3 Bank on a XXXX XXXX XXXX. This vehicle was stolen from my place of employment on XX/XX/XXXX at approximately XXXX. Security cameras at my job verified the theft and the XXXX XXXX Police Department have deemed this a total loss due to inability to locate said vehicle. I spoke with 5/3 Bank on several occasions at the beginning of this process to make them aware that the vehicle was stolen, I was initially told by a 5/3 representative that they would defer/halt the loan and payment due XX/XX/XXXX if the vehicle had not been recovered. I have spoken with them numerous times trying to keep them updated on insurance and the claims process. On XX/XX/XXXX I made contact again with 5/3 Bank, explaining insurance had deemed this a total loss and asked them to defer the payment due XX/XX/XXXX to the back of the loan, in order to allow insurance to finish processing the claim and provide further information. After speaking with 4 representatives I was told they would not assist me and they could not defer my payment because the excuse of a stolen vehicle was not sufficient. The same day XX/XX/XXXX, our insurance adjuster XXXX XXXX with XXXX XXXX XXXX sent 5/3 Bank 's total loss department an email confirming the total loss and pending paperwork. Today, XX/XX/XXXX 5/3 Bank has begun harassing me by calling several times an hour to receive said payment. 5/3 Bank confirmed they received the email from our insurance and still have refused to assist us, claiming our stolen vehicle is not a valid enough hardship to defer a payment. They have not only harassed me via telephone, 5/3 Bank has also told me I know owe them 3x the monthly payment of {$590.00}. This has been a very challenging time for my family as I have struggled to make it back and forth to work without a vehicle while waiting for this process to be resolved. I have made every effort to communicate, provide information and paperwork to this bank. The result has been being treated like a second class citizen to a bank that I have NEVER missed a payment with, being spoken to in a condescending and insulting manner by 5/3 Banks total loss and hardships department, and finally now being harassed. I communicated appropriately about this situation from the beginning and feel this bank needs to be penalized for their unprofessional behavior, like they have penalized me, my family, and my credit, during this hardship.