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

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of 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. '' Under this title, furnishers of information to credit agencies are defined as financial institutions.

15 USC 1681, Section 604a2, states, " 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. Equifax, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto Equifax, XXXX, and the furnisher of information to credit agencies. 

15 USC 6802 ( b ) ( c ) states, " 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. '' The furnisher of information to credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 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 being reported 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. '' Additionally, 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. '' Equifax and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services. 


Be advised DO NOT SEND ME A STALL LETTER. ID, PROOF OF ADDRESS, AND SOCIAL SECURITY IS ATTACHED TO EACH DOCUMENT. THEREFORE YOU DO NOT NEED TO SEND ME A LETTER STATING TO SEND YOU PROOF OF IDENTITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XXXX XXXX XXXX of inquiry XX/XX/2020
Product: Debt collection

I have been previously dealing with them charging me different amount of money in my account. I also went in person retail XXXX store to fix the situation they did not know what was going on. And also, they had called the customer service themselves. Nothing was accomplished. Now I have XXXX different amounts separately on my credit that I did not owe. I have previously told them the amount is wrong and falsely charged into my account. Only thing I have is internet not mobile service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

I informed CAPITAL ONE of the billing errors on the statement for the month of XXXX. Following the requirements of federal consumer law U.S. Code Title 15 XXXX XXXX, Subchapter 1, part D - credit billing subsection 1666 ( a ) as well as Code of Federal Regulations Title 12, XXXX XXXX XXXX XXXX  ), part 1026, Truth in Lending subpart B, subsection 1026.13 ( b ), I sent written communication to CAPITAL ONE containing the necessary information. 

CAPITAL ONE responded to my Notice of billing errors via written communication which I will provide as evidence, not addressing the billing errors in question and lacking the documentary evidence to support the alleged indebtedness. 

It is my understanding that according to 15 U.S. Code 1637 ( b ) ( 2 ) the creditor must respond to and treat ANY inquiry for clarification or documentation as a billing error and erroneously billed amount. The creditor has not done so and therefore is in violation, as the creditor has not produced the documentary material of their investigation of why CAPITAL ONE has made the determination that there is no billing error which I requested and is required to be furnished upon said request pursuant 15 U.S. Code 1666 ( a ) ( B ) ( ii ) and 12 CFR 1026.13 ( f ) ( 1 ), ( 2 ), ( 3 ). CAPITAL ONE has not clarified ANY of the terms outside of the finance charge. It is understood that finance charges and annual percentage rates are the same according to 15 U.S. Code 1632 ( a ). Any other term they have yet to clarify. CAPITAL ONE is also in violation of 15 U.S. Code 1666d as any credit balance in excess of {$1.00} in connection with a consumer credit balance should be credited to the credit balance. I have notified the creditor and they have yet to credit the account. 

In the 'Notice of billing error, ' I provided the federal consumer law that they are bound to, making them well aware of their violation and criminal implications for wilfully violating consumer law pursuant to 15 U.S. Code 1611 ( 1 ), ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue 1- Mil star is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report.

It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft.XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found errors on my credit report related to late payments that don't reflect my usual payment behavior. Please make the necessary corrections and update my account.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute problems. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and right as a consumer.
Product: Debt collection

hello I received a debt collection notice from Midland Credit Management stating I owe a debt. I do not believe I owe this debt and they can not give me any proof of this debt. I have also tried calling XXXX, XXXX and they all direct me back to Midland Credit Management. If I in fact have a debt I will gladly pay it but I do n't and until I have proof of this I will not pay it.
Product: Student loan

The balance of this loan from XXXX XXXX XXXX of XXXX, XXXX, was discharged as part of a chapter XXXX bankruptcy, and is reflected as XXXX balance on my credit report. I received a letter from Trans World Systems of XXXX, XXXX, stating that the balance of the loan is now with their agency for collection, and the want the balance in full, with and almost {$800.00} fee. I believe this is fraudulent. In the letter they sent, there is no phone number to call, and the website they list requires information to log in that was not included. The letter states that if they do not hear from me in 30 days, that they assume the debt is valid and will pursue collection. I doubt the validity of this letter, the company, and their access to information which is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint.

I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Checking or savings account

Opened a business account with Truist ( XXXX, PA branch ); received a wire transfer of approximately {$110000.00} into business account; had to wire transfer {$70000.00} grand to a cryptocurrency account since seller deals in XXXX; didn't transfer enough to cover medical equipment so made another appointment for XX/XX/23 to wire the rest ; bank called to tell me my account was locked based on suspicious activity ; bank didn't tell me what I needed to provide to unfreeze the account ; XXXX and XXXX are the XXXX employees involved in the erroneous freezing of my accounts ; neither of them have told me what to submit to ease " their '' suspicions. XXXX made a comment about my only using {$100.00} to open business account ; I explained all of that during the business account opening ; truly concerned that a bank can freeze my assets based on personal suspicions ; PLEASE HELP
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XX/XX/XXXX - current  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXAll XXXX XXXX  And XXXX XXXX XXXX. A lot of transactions were intercepted and picked up by unauthorised recipients or deposited into unauthorised accounts. The transaction listed above had MTCN numbers however payment wouldn't process or delayed cancelled without my knowledge.  The app on XXXX since XX/XX/XXXXhas had major issues and technical issues.  I have multiple people utilising my merchant accounts.
Product: Credit card

I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information.
Product: Credit reporting

I sent certified letters to the credit bureaus as well as the creditor. They both responded that the information is being reported correctly. The delinquent accounts were paid over a year ago and the creditors agree there is not balance yet the items are still showing delinquent at the credit bureaus. XXXX loans with XXXX and XXXX account with XXXX
Product: Student loan

I was not aware when I first entered repayment. Because of this, I fell behind in my payments. The monthly payments ( without the late fees ) were already impossible to make without assistance ( approximately $ XXXX/month ). When I spoke to Citi, they told me " ask your cosigner ''. I informed them that my cosigner 's financial situation had changed and could not help me. I asked if there was a way to change my monthly payments or to return my late payments to the principle so I could try to make my payments. Every time I was told no, there were no options for me. When they asked why I was behind, I explained that I already was struggling to make the basic payments and they responded by offering that I could do a payment plan where I pay more each month until I caught up. I explained every time that I work XXXX hours a week and only take home {$250.00} a week. During these hours, I can not answer my phone, but they never would leave messages so I had no way of knowing who was calling or what was happening. Every time this was explained, they said they would make a note on the account, but nothing ever came of it. Citi began threatening me that the account would be charged off and I had to pay over {$2000.00} immediately every time I called to talk to them about the loan. Because of these problems, they referred the debt to a collection group, but did not sell the debt. I spoke to the collection group and was told I had to either pay {$21000.00}, lump sum, or monthly payments of {$720.00}. I tried again to call Citi to try to come up with a repayment plan with them. The loan was still in their possession but they would not discuss the loan with me and kept directing me to call the collection group, telling me that the debt had been charged off. I asked the representative directly if Citi still owned the debt or if they had sold it to the collection group. I was told yes, Citi still owned the debt and that the collection group was only collecting for them, but Citi still refused to speak to me about the debt. I have XXXX to make it possible to live a normal life. Because of the extreme debt burden, I was XXXX.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

I went to the XXXX  on XX/XX/XXXX, XXXX the XXXX XXXX was billed and payed XXXX in XXXX of 2024. I never received a First bill for the balance from the Dr.. On XX/XX/2024 i receive a bill from the XXXX XXXXXXXX XXXX XXXX and it states that i am late and past due as of XXXX, 2024. On XX/XX/2024 Saturday, i go on line and check the Co, to see if it is valid, and it was XXXX i tried to access my Acct but it was lock out for being over due. i tried to call there hot line but was on hold for over XXXX min, and the AI just keep telling me to pay XXXX. I do not pay XXXX  over the phone or online when i do not know the Co i am doing business with. In stead i entered the info at m y bank and had them send a check. the bank said ti would be delivered on XX/XX/XXXX, XXXX on XX/XX/2024 the XXXX XXXX XXXX  XXXX the acct to collections and a week later i get a call from a collection Co wanting payment. i told them that i payed it XX/XX/2024, but he hung up. i called back talked to another person and i told him i paid it off and, told him to send me to original bill, and they did. a week later they called me back and wanted their money. i made copies of all the bills and cannceled check from the XXXX XXXX XXXX, and sent it to the collections XXXX they said i had to resend the money to them and try to get the first check back from the XXXX XXXX XXXXXXXX because they all ready paied the Dr off and now i owe them. i told them to XXXX and sent them the info that i will copy you below. i am waiting for confirmation from both parties to their mistake, and why i did not reciev a bill from the XXXX XXXX XXXX the first time.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX