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

My report 's list of inquiries and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiries listed below. 
INACCURATE 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 XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Subject : Dispute of Charge-Off on Credit Report under XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by TransUnion, {$0.00} by XXXX, XXXX {$300.00} by XXXX. INACCURATE. Date last reported XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX. Payment History Reporting ok on XXXX ONLY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion & XXXX reports Date of Last XXXX XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by TransUnion, Payment after charge off/collection..Dispute resolved, XXXX reports Dispute resolved due XXXX, Unpaid balance reported as a loss ( Debt Cancellation ), & XXXX reports, Paid charge XXXX. Accounts closed. Date Last Active, TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by TransUnion XXXX XXXX, & {$0.00} by XXXX. Account XXXX shows PAID reported by TransUnion XXXX XXXX yet XXXX reports Derogatory!! Date Opened reported by TransUnion is XX/XX/XXXX yet XXXX XXXX XXXX reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA XXXX XXXX XXXX that credit bureaus are to maintain XXXX XXXX accurate & complete records. ( SEE ATTACHED my consumer report from XX/XX/XXXX. ) In accordance with XXXX XXXX XXXX, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under XXXX XXXX XXXX ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect and unknown information in the amount of {$14000.00} from XXXX XXXX XXXX. I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting A

ct ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : Equifax failed to properly restrict access to consumer information.

1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX or XXXX of XXXX I tried to pay off the loan but they quoted me an amount that was a little more than the amount I had received. They said it would take XXXX XXXX dollars to pay off the loan. I couldn't afford that so I have continued to make my monthly payments of {$690.00}. In XXXX of XXXX I checked my payoff amount and it was {$10000.00}. That was almost 3 years ago. The original loan was for XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, CA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;
Product: Debt collection

I received a call today from XXXX claiming to be Portfolio Recovery. They indicated that they were calling on a recorded line. The called said that she was trying to collect a debt from XXXX XXXX for over {$2000.00}. The called wanted to know if I wanted to take care of this debt and that if I didn't that it could damage my credit file. I indicated that my credit was in good standing with XXXX XXXX and asked when was this debt created. The caller first said XX/XX/XXXX and then said XX/XX/XXXX. I told her that there was no way I could recall something from 20 years ago and that there is nothing showing on my credit file to validate this debt. I also stated thatXX/XX/XXXX was well past the statue of limitations. The caller then asked if I wished to dispute the debt which I stated yes. She asked me if the address they had was correct and I stated yes and she asked if the number she was calling on was the best number to reach me. I also stated yes. The caller stated that I would receive validation in the mail. My number is on a do-not-call list. I don't believe this to be valid. I have never even had a credit card with a {$2000.00} credit limit. Calls like these are very disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and noticed 4 unauthorized inquiries on my XXXX, and Equifax credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with XXXX XXXX XXXX.
Product: Debt collection

XX/XX/XXXX XXXX XXXX was bought by XXXX XXXX. 

XX/XX/XXXX I paid the {$110.00} bill with my bank. only owed {$100.00}. 
XX/XX/XXXX Payment processed, but was never posted. 
XX/XX/XXXX It popped up on my credit report. IC System refused to go back to the creditor to validate the debt. It was taken OFF my credit, but put back on XX/XX/XXXX. I'm in the process of buying the house. ICS wouldnt give me a phone number to expedite providing proof. 
XX/XX/XXXX IC Systems puts the account back on my credit report. XXXX would not let me dispute it online WITH the proof. XXXX says the dispute was satisfactorily validated. how? I have the documents. I want it removed AND compensation for the trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

opted out dont to report to XXXX XXXX ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX and 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 an account without my written instructions.
Product: Mortgage

On XX/XX/XXXX I called into Wells Fargo about having my PMI removed from my home loan. I knew we bought the house for 75 % cents on the dollar and believed an appraisal would easily remove the mortgage insurance. I spoke to someone over the phone before ordering my appraisal and they said didn't say it was mandatory to have " improvements '' to remove the mortgage insurance. 

I order the appraisal on XX/XX/XXXX needing to hit a value of XXXX and received a value of XXXX on the XX/XX/XXXX. But wells fargo is rejecting my request saying because no improvements were made, they will not remove PMI. They are referencing a letter i received saying that Improvements must equal the difference. So two things, one i was told differently on the phone and two it doesnt say improvements are mandatory. Where we currently stand is i have a loan with Wells Fargo that is showing 78 % loan to value, with appraisal company of XXXX XXXX choice, but Wells Fargo won't remove Mortgage insurance because of i didnt build an improvement.
Product: Checking or savings account

First National Bank sent me a letter stating " Based upon the deposit Account agreement you received at account opening, FNB reserves the right to close your account ( s ) for any reason. Your above- referenced account ( s ) with FNB will be closed n thirty ( 30 ) business days from the date listed above, and an official check representing the balance in your account ( s ) on that date ( if applicable ) will be mailed to the above address ''.

I sent an Certified Letter to First National Bank Revoking their Security interest, Lien and Power of Attorney. The tracking number is ( XXXX ). I was delivered on XX/XX/2024. They failed to acknowledge my letter and proceeded to close my account. 
As stated in my Letter I'm revoking their POA with the IRS.
Product: Debt collection

Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message. 

Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago. 

I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.
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. 

XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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 card or prepaid card

My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " Macy 's Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.
Product: Debt collection

After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. 

EXPRESS COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

So I received my XXXX check from XXXX on XX/XX/XXXX for the amount of XXXX I then deposited the check into my chase bank account on XX/XX/XXXX by mobile. Then I get an email stating the check will be available on XX/XX/XXXX. On XX/XX/XXXX I receive a letter from Chase bank stating my account was on hold and was facing being closed for this check, so I then proceeded to call to see what the issue was. They explained that they were having problems verifying my check and asked did I have a verified number for them to call I provided the number from my check they stated that it wasnt in their system. I then called XXXX to ask and they said the number I dialed which was XXXX was the number the bank would use to verify checks. I called chase bank back and told him what was said the rep then did a XXXX way call with that number and verified with that rep that the check was good. She told me give it about XXXX minutes and the hold would be lifted. The next day I try to use the card and couldnt. I call chase back again and the same thing they cant verify i have to provide a number I XXXX several different numbers linked to XXXX none of those are verified its insane now I have to wait even longer then their going to close my account and bounce the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX and XXXX who both use Checkr for their background checks. On XX/XX/XXXX th I applied and started the process, after a week of getting a background check pending as the response I called XXXX on their help line as well as Lyft, I was told the DMV portion was complete but was waiting for the criminal portion to come back. After another week of no news I emailed and called both XXXX and Checkr and was told some applications take longer 3-7 days, I was also told that some areas experienced delays due to court houses and outages, I waited another week and did the same thing again and was told both by checkr and XXXX and XXXX that I needed to be patient and some investigation take 3-7 days. After a month I was getting upset because I was being told the same thing over and over. At 2 months of checking in and asking if someone could manually look at my case please and was told they were escalating my issue and that didnt do anything at all, when I asked about the escalation process they didnt even have me down for that process, so now its been almost 90 days since this started. I told XXXX XXXX and Checkr that I bought my car for the sole purpose to drive for them, I financed the whole {$16.00} XXXX dollars and now I have car payments and insurance payments and I can not keep up with the payments without working or driving. My credit score will take a hit with missed payments and I have worked very hard to get my credit score up. I tried 1 more time today to see if anything has been done and they read the same script which is nothing. Checkr is the company that I believe has the glitch in it, or XXXX giving them wrong information? I do not know but I feel that they will never do anything really to look at the real problem and so my background check will never be resolved. So from XX/XX/XXXX until now XX/XX/2023.
Product: Checking or savings account

On XX/XX/2020, I noticed that my balance was really low when i signed in to see if my direct deposit had hit yet. I started reviewing all the transactions and found XXXX charges to XXXX that were not mine. I contacted Current and filed a dispute and was told that i would be recieving a provisional credit for the charges until the close of the investigation. I have not received any credit nor have they done anything about it. I have tried chatting with them through the app and get told the same thing every time, " its in review ''. There were XXXX charges and i have listed them below : 1. XX/XX/2020 @ XXXX for {$120.00} 2. XX/XX/2020 @ XXXX for {$210.00} Total : {$340.00} I just want my money back. Any other bank i have done business with would have had this back in my account a very long time ago. If you can help me out with this, i would appreciate it
Product: Credit card or prepaid card

Very beginning of XX/XX/XXXXI paid off my Discover credit card, {$2800.00}, while on a mission to improve my credit score in preparation for buying a house. I had held a high balance for a long time but always made my payments while saving to pay off a good chunk. A few weeks laters,XX/XX/XXXXI received a letter stating my credit limit had been changed from {$3000.00} to {$500.00}. This rocked my credit score badly. Dropping me 30 points lower and wiping out my hard earned gains. When I contacted them, they said it was and automatic review based on numbers from my credit score. Which had gone up between 25-50 points due to paying off large portions of my debt. They stated some factors included an account that went to collections. I explained this was a medical bill that I never received. The week I saw the collection on my report, I paid it off in full. This was added to my report around XX/XX/2018and was paid off immediately. I asked the associate if they felt a collection of {$160.00} sounded like a good reason to remove {$2500.00} from a 2.5 year old account with no delinquency. The associate agreed that it did not seem fair but that they couldn't do anything to change the score until the next review. I asked if they could request a review on this and they stated no. My only choice was to initiate an credit line increase which would negatively impact my credit score. Another factor was the age of my credit. Which while still new, 3 years or so, was obviously better than any previous random review as I have not requested any new lines of credit in nearly two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries not authorized on my Transunion credit report from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XX/XX/XXXX XXXX multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXXXX/XX/XXXX ( multiple ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After divorce my ex-wife which was finalized and judge signed it XX/XX/XXXX I took a copy to America first about the XXXX XXXX XXXX I had cosigned on my wife and I was married she left me a year after I bought it I divorced her and I found out that she filed XXXX  XXXX and she pays a creditor now I want off that cheap I do not want it on my credit report she assumed responsibility when she left with the XXXX I never had a position she made that choice and the judge did sign that he feels the same way. The credit union told me she has to take out a second loan or she can't do that when she filed bankruptcy XXXX  XXXX we know that so do they..
Product: Checking or savings account

I feel like they were stealing my money, they would put unnecessary holds on my money it was just terrible and every time I called they never had a reason why
Product: Credit reporting or other personal consumer reports

While checking my credit report for accuracy ; I noticed a few accounts that aren't mine, and I did not give anyone authorization to open these accounts using my personal information. I also noticed a few accounts were student loans. These account are also in error because I, nor my children have attended a higher learning facility. Can you please help me figure out this information and get it cleared from my credit reports ; both Equifax and XXXX. Thank you.