23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have ultra ultimate rewards credit card issued by XXXX XXXX and during a purchase I was informed that my credit limit has been reached. I was confused because I had well over {$600.00} in available credit. When I called XXXX XXXXk customer service they informed me that they had decreased my credit limit but they had not in fact me of that until I called. They also said the reason for them decreasing my credit limit was because of information they receive from my the credit bureau. I asked them whyBut they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}. But they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account 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 XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.all 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

Equifax is refusing to verify my identity and fix my credit report. For over a month I have not been able to access report and get code XXXX. When lenders access my credit report it states it can not be found. I have sent in Id verify documents to equifax in order to fix issue and still have not received it fixed. I need my credit report back accessible asap. I also have disputes that have been ongoing for XXXX now with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Details : I had a CAPITAL ONE SAKS FIFTH CREDIT CARD Circumstance : Due to XXXX, I was sick and had complications arising from this ( XXXX  ) I had 4 late payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was a global pandemic, My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. I have had this account since XXXX. I am current. First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything. Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( XXXX ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed. However I don't think they got the message as it was done online. Second Attempt : In XXXX I spoke with Capital One via phone and they said they would remove them, but their system wouldn't allow it. They assured me I would be enrolled in a covid program they had in place. These late payments are hurting me so bad I can't get another credit card, car or house. Why was I exempt from the programs that are/ were in place due to the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, My report shows two driving violations that where not convictions. They where violations that where later dropped. Lexus Nexis was in error reporting these incidents.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I have paid the XXXX XXXX for XXXX XXXX  XXXX XXXX  in full as of XX/XX/2022. This loan was serviced through Heartland ECSI and as a result the loan nor its balance has not been removed from the record as my overall loan balance on studentloans.gov is incorrect.
Product: Credit reporting

Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( TransUnion, XXXX, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against TransUnion since you told me to file separately against each credit bureau.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : As I already reported via telephone and in writining, I am the victim of identity theft AND OR DATA BREACH FROM THREE COMPANYS. I am writing to dispute I am a victim of identity theft, and I did not make these chsrges. I am requesting that the these accounts be removed/DELETED that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

ADDRESS NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX. {$44000.00} XXXX XXXX- # XXXX BAL. {$15000.00} XXXX XXXX  XXXX ACCT XXXX XXXX BAL. {$24.00} XXXX ACCT # XXXX BAL. {$33000.00} XXXX XXXX  ACCT # XXXX BAL. {$2500.00} XXXX XXXX XXXX XXXX- ACCT XXXX XXXX BAL. {$28000.00} XXXX XXXX  XXXX XXXX XXXX XXXX BAL. {$3500.00} XXXX XXXX- ACCT # XXXX BAL. {$12000.00} XXXX FST XXXX ACCT # XXXX BAL. {$1300.00} XXXXXXXX XXXX XXXX- ACCT # XXXX BAL. {$260.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$2600.00} Pursuant to federal law, I am requesting that you remove all accounts/delelte from all my credit reports.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my TRANSUNION consumer report because the negative items listed have been updated due to the CFPB Breach. This violates 15 US Code 1681aia. / 15 US Code 1666b Dispute 1 : LATE PAYMENTS Account Number XXXX : XXXX XXXX Type of disputed information : CREDIT ACCOUNT Dates associated with the late payment items being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The status of my account is incorrect. The report shows that I am delinquent but I have made all my payments on time. Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. I have requested a payment ledger and have not received it. Thank you for your assistance.
Product: Credit reporting

My husband and I owed back taxes in the amount of XXXX we have since than paid it all back. I had a company called XXXX help me to try get the lien off my credit report after it cost me XXXX and it was taking so long for them to help me I decided to reach out to you for help. TransUnion is still showing the lien on it so can you please help me.
Product: Debt collection

Portfolio Recovery Associates has a {$410.00} debt on my credit report. They evidently purchased the debt from another company. I asked for verification of debt ( signature documents ) proving the debt was mine. I received a statement from 2020. That's it. No transactions, no signed agreement. No other documentation at all
Product: Credit reporting or other personal consumer reports

These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful.

I am invoking the following legal protections to demand swift and transparent action : California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Civil Code 1785 et seq. ) - This act prohibits credit reporting agencies from including inaccurate information on a credit report and requires them to investigate disputes thoroughly.

California Civil Code 1785.16 - Mandates credit reporting agencies to block fraudulent information within four business days upon receipt of a valid dispute.

California Business and Professions Code 17200 et seq. - Prohibits unfair, deceptive, or fraudulent business practices, including ambiguous and misleading responses to consumer complaints.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

here are the accounts and inquirers in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Medical collections company have violated my HIPPA rights. No HIPPA form was signed for this collections company to access my medical records. And this is a violation.
Product: Credit card or prepaid card

The last transaction on this card is greater than 7 years old. It is 7 years 9 months however it is still being reported on my credit which is, against the FCRA.
Product: Mortgage

The mortgage on my home was paid off on XX/XX/XXXX. The mortgagee is supposed to file a Discharge of Mortgage with the XXXX XXXX within thirty days. They created the Discharge on XX/XX/XXXX, but that Discharge was rejected as defective, by the XXXX XXXX. 

The mortgagee created another XXXX, but that one was also rejected, due to perhaps three errors. 

On XX/XX/XXXX, the servicer sent me a letter that they are still working on this. 

Now that my house if free and clear for a year, I have been trying to refinance it, but this old mortgage still shows up on my record, preventing me from closing on my refinance. 

I filed a previous complaint with CFPB under ID XXXX .... But I am filing this new complain since the servicer has only provided a letter saying they are working on the matter. That is not acceptable, since this matter is now more than a year old ( since the mortgage was paid off ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports in 2020 and noticed there were a few accounts listed that I did not open and or authorize. I completed an identity theft affidavit along with a police report as instructed, all of the fraudulent accounts besides a credit card from XXXX XXXX XXXX were removed. I contacted XXXX XXXX XXXX over 6 times, sent a mailed copy of the ID theft affidavit, police report, and disputed this account with the three major credit bureaus numerous times, not to mention called and supplied information with the reply that I would get an update, return call or correspondence, which was a lie. This company has delayed responses and resolution to removing this account that I have stated was fraudulent opened using my personal information. The address linked to this account is also fraudulent as I have never lived at the address. I have also submitted these documents and request to all three creidt major credit bureaus. XXXX was the only bureau to comply. Experian verified the fraud account, which doesnt make any sense and XXXX did not respond. I have been dealing with this issue for over a year.
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Product: Debt collection

A new collection account was reported to my credit. This account is not mine. Debt collector was called and information that they gave is insufficient. They have started an investigation. I started a fraud protection notice on my credit.
Product: Debt collection

Dear Sir/Madam, I am writing to follow up on my previous letter dated XXXX, regarding the dispute of the debt being reported by your agency on my consumer report. As of today, I have not received any response or acknowledgment of my dispute from your agency.

I would like to reiterate the urgency of this matter and emphasize the importance of complying with federal regulations regarding debt validation and consumer rights. It is imperative that your agency provides the requested validation information and proof of licensing and bonding within the allotted timeframe of XXXX  days, as outlined in my previous correspondence.

Failure to respond to my dispute within the specified timeframe will leave me with no choice but to escalate this matter further to ensure my rights as a consumer are protected. This may include filing complaints with relevant regulatory authorities and pursuing legal action if necessary.

I urge your agency to take this matter seriously and provide a prompt and thorough response to my dispute. Please acknowledge receipt of this letter and provide an estimated timeline for when I can expect to receive the requested information.

Thank you for your attention to this matter. I look forward to resolving this dispute in a timely and amicable manner.
Product: Credit reporting or other personal consumer reports

XXXX disputing information on my credit report. Pursuant to FCRA 605B XXXX including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. XXXX complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXX XXXX XXXX XXXX