23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Today I have contact y'all to get this free waved or credit back to my account, and they told me they couldn't because I agree to fees in the agreement, but I had money into my account XX/XX/2020 Monthly Maintenance Fee A fee charged by CARD.com On card ending in XXXX - {$9.00}, and I want credit or the fee waived off from my account for {$9.00} or {$8.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

My bank and credit card issuer, Sofi, recently lowered my credit limit this month, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The problem with this is they never issued any notification and have acknowledged verbally, this. I originally contacted them three times on XX/XX/XXXX, and finally when they never directed me to a supervisor, I called them back today, XX/XX/XXXX after they promised to call me back and did not. I informed the supervisor of what happened with the calls, and how my limit was lowered ( even with a high XXXX XXXX XXXX ) without proper notification due to the credit card act of XXXX and the supervisor, I believe his name was XXXX, immediately shut down the conversation and said he will not be having a legal conversation with me and if I need to I can send a summons to their legal department. It was really intense and extremely weird as I have been banking with them for 4 years and have never had a problem. The whole interaction was sketchy, and ultimately I want to know my recourse. They refused to re-increase the limit, and refused to do anything about the fact that they operated their reduction outside the confines of the law.
Product: Credit reporting or other personal consumer reports

I sent the following dispute attached to equifax for some inquiries that i have no knowledge of. they have yet to fix this issue.
Product: Debt collection

My financed car was deemed a total loss in XXXX 2016 due to a flood water in XXXX, Tx. My insurance company payed out over XXXX dollars on the XXXX I owed. I understand I am responsible for the balance, however, once an insurance company makes such a payout it is my understanding they take possession of the vehicle, so how is it that my bank can file my car as a repossession? And claiming I owe more than what my actual balance was after the last payment I made.. Because I am still without a vehicle and ca n't even finance one because of their reported repossession. I made I believe 9 payments on the car and never a single one was late, until after it was deemed totaled and I did not have possession of it. Can they do this and what do I do now? I already lost the job I had, found another only over a week ago, and no car is causing issue again. This is n't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvnv funding is reporting violations on my credit first. 

First, under the FCRA 605 section C running of the period it is a violation to re-age an account. LVNV is reporting the date of last activity on XXXX  as XX/XX/2019. XXXX is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued. 

they have not provided a copy of the account or written contract, and are refusing to do XXXX and XXXX has responded both times saying this account has been verified as accurate i have attached the information from my XXXX  credit file where they claims the information was verified as accurate and that it meets fcra requirements
Product: Payday loan, title loan, or personal loan

As I had mentioned in a previous complaint against TD bank, despite the fact that I have had a Direct Deposit account for Social Security XXXX with TD Bank for more than ten years they have continued to deny me consideration for a credit card or auto loan or mortgage loan resulting in me being forced to experience continuing difficulty in business, employment and in making it through a day to day existence.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Checking or savings account

I had a checking account with Santander Bank that I called to close in XXXX. I thought it was all set. When I went to set up a business banking account with a small local family bank, I was denied three times due to having an open defaulted checking account. I was referred to a collections agency and took care of the balance. I called Santander to confirm they received this payment and they said they had and this should be removed from my report in a few days. One week later I went back to a second small local bank and it was still on my account. I called early warning services who said Santander never notified them of my payment, and that I could file a dispute but it could take up to 30 days. I called Santander again and they said they sent me a letter and emailed a copy but I never got it. In the meantime..Im sitting on business checks that I cant cash because I cant open a business account. How are small business owners supposed to support their families when they are repeatedly being denied a business account due to Santander not closing an account when a client requests it, letting it overdraft, charging outlandish overdraft fees that are now illegal, sending it to collections then NOT updating XXXX after the customer finally finds out about and pays off their account that should have been closed in the first place?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I took a second look at my credit report, I also noticed that this account is reporting incorrectly. The payment history is not accurate at all the following dates are reporting inaccurate, So for the year XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all on time payments, Equifax shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was no payment. XXXX XXXX XXXX XXXX XXXX, paid on time except for XXXXXXXX XXXX XXXX Therefore this report is showing inaccurate reporting, According to the FCRA, I have the right to an accurate credit report, Iam now requesting you Investigate this account and update to Paid on time immediately
Product: Credit reporting

This account keeps leaching into my credit file on Trans Union XXXX Credit reporting data bases. It has been removed from my credit file once already under a different name and now reappears under a new collection agency name. 
This is not mine and I am really tired of all this drama.
Product: Credit card or prepaid card

Fraud use and access to a many of my personal accounts.
Product: Money transfer, virtual currency, or money service

In XX/XX/21, My Citi Bank checking account had 2 unauthorized transactions total {$49000.00} ( {$49000.00} and {$450.00} ). I found out the unauthorized transaction on XX/XX/21, and contacted Citi Bank right away to report this fraud. Citi Bank gave me the fraud claim # ( XXXX ) on XX/XX/21. And I reported this fraud to XXXX, and received the complaint # ( XXXX ). 
I already waited almost 4 months, and evey time contacted Citi Bank to ask when can I get my refund back, they alway gave the same to me : the fraud case is still under investigation, no result yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this formal complaint regarding a recent data breach that exposed my personal information, resulting in inaccurate and/or unauthorized accounts appearing on my credit reports. This is a direct violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate that consumer reporting agencies maintain maximum possible accuracy and that furnishers of information report only verified and legitimate debts.

Despite my repeated attempts to dispute these unauthorized credit inquiries with the credit bureaus, they continues to remain on my report unlawfully.

I am disputing unauthorized hard inquiries on my credit report that were made without my express written consent or a legally permissible purpose under 15 USC 1681b. Federal law strictly limits who can access a consumers credit file, and only under the following conditions : 1. A firm offer of credit or insurance initiated by the consumer 2. A transaction initiated by the consumer ( e.g., applying for a loan or credit card ) 3. Employment-related background checks with written permission 4. A court order or subpoena If any hard inquiries on my report do not fall into these categories, they were illegally obtained and must be deleted. In Cole v. U.S. Capital , Inc., 389 F.3d 719 ( 7th Cir. 2004 ), the court ruled that accessing a credit report without a firm offer of credit violates 15 USC 1681b ( c ). Additionally, Pintos v. Pacific Creditors Ass'n, 605 F.3d 665 ( 9th Cir. 2010 ) confirmed that a debt collector can not pull a consumers credit report unless the consumer initiated the transactionmeaning that debt collectors pulling my report without my consent are in direct violation of 1681b ( f ).

Since I have not applied for new credit, loans, or services from the companies that made these inquiries, these pulls were made without my consent or a legally permissible purpose. I demand the immediate deletion of all unauthorized hard inquiries under 15 USC 1681b ( f ) and 15 USC 1681i ( a ). Failure to remove them constitutes willful noncompliance, exposing the credit bureaus to liability under 15 USC 1681n ( statutory and punitive damages ) and 1681o ( actual damages ).

Failure to Conduct a Reasonable Investigation Under 15 USC 1681i Under 15 USC 1681i, I have a legal right to dispute any inaccurate, incomplete, or unverifiable information, and the CRAs must conduct a meaningful reinvestigation within 30 days. In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court ruled that failing to remove unverified accounts after a dispute violates the FCRA and subjects the CRA to liability for damages. Since I have already disputed these hard inquiries without receiving any valid proof, Experian, XXXX, and XXXX have failed their statutory duty to reinvestigate properly. Their continued reporting of these disputed items constitutes reckless disregard for federal law, and I demand their immediate removal.
Product: Credit card

In XXXX of XXXX my XXXX was stolen. On this XXXX had all my personal information including my SSN, address, and account information. No accounts had been opened during the first 2 months so I assumed everything was fine outside of a compromised Apple XXXX. On XX/XX/XXXX I got an email from XXXX saying my Apple Card had been closed, so I immediately called Apple because I know I did not open another credit card, especially with them. Come to find out, the card had a bill over XXXX so I immediately opened a dispute. The agent even told me that someone was making payments on the account, so why not just trace the account that was making the payments and confirm that the bank account does not belong to me! After months of trying to get them to receive my documents, they finally come back and tell me I am responsible for the account but did not include how they came to that conclusion and what information they investigated in order to hold me liable. I sent in a police report, identity theft report from the FTC, proof of identity, and bank statements.
Product: Credit reporting

I requested and got my federally required free annual credit report from EQUIFAX On the report there are comment sections associated with the accounts. XXXX codes appear -- XXXX and XXXX in several of these sections throughout the report I have talked to 4 customer service reps at EQUIFAX and they have not been able to tell me what the codes mean. How can I find out what they mean? 
It is impossible to evaluate the report 's accuracy without that information. 
Customer service was totally unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

In XX/XX/2017 Ally financial is reporting late payments to the credit bureau. Payment has never been late. Always make payments on time ever month. Customers is reporting inaccurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma per approve credit card they lied about my approval for cards when I applied I was denied instead.
Product: Credit reporting or other personal consumer reports

XXXX XXXX social security XXXX, XXXX : XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal line of credit account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX bal {$750.00}, revolving account opened at XXXX under account XXXX XXXX {$160.00} XX/XX/XXXX, XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, auto loan at XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These account have resulted in several fraudulent hard inquiries : XXXX XXXX, XXXX auto sales XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have a attached a copy of FTC identity Theft Criminal Complaint ( case number : XXXX ) as proof from the US Federal Trade Commission that all aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Formal request for investigation- charge Off- dispute a charge off has been reported on my credit file, ad despite my repeated attempts to obtain validation and address inaccuracies, the issue remains unresolved. I previously contacted the creditor and the credit reporting agencies but have not received adequate responses or resolution, such as Iam escalating this matter to your office for investigation under the Fair Credit Reporting Act.

I request that the CFPB investigate this matter and take necessary actions to ensure compliance with applicable laws.

Thank you for your attention to this matter. Please Feel Free to contact me if further information is needed. 
Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account to ensure accuracy. Heres the account I am asking you to investigate : XXXX XXXX XXXX XXXX ( account number - XXXX ).
Product: Mortgage

Dear XXXX XXXX, ( XXXX XXXX ) Hoping your doing well. 
I want to make sure that in all benevolent matters are resolved to provide me with clear title upon this request today. 

This was noted : None of the companies is the trustee or beneficiary of the deed of trust encumbering the above referenced property and none of the companies is servicing the loan secured by the deed of trust. XXXX XXXX XXXX XXXXl XXXX XXXX XXXX Now lets begin, please see the provided attachments for review, and 11 years now going through this..Well a whole lots of people are now aware of this. XXXX XXXX   XXXX As you maybe aware that a hard delete of the fraudulent deed of trust furnished with XXXX Grant Deed on Top left hand corner. Grant Deed was in XX/XX/XXXX. 
Closing Agent XXXX XXXX. Many have claimed under different loan numbers as well, there was never one void .... 
Much Gratitude, please provide your email to the email listed on this reply to my email thank you, with love and honor XXXX XXXX & California corp code as pertaining to corp lie in CA Corporation XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) Number : XXXX Date Filed : XX/XX/XXXX Status suspended Jurisdiction : California Address XXXX XXXX XXXX XXXX, CA XXXX Agent for Service of Process XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a fraudulent Account and will not remove it from My reprt the account is not mine.