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

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX : Dispute XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, I, XXXX XXXX, residing XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX hereby issue this formal authorization to Equifax to remove the following inquiries from my credit report : Inquiries : Date : - 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 I have recently communicated with a representative from Equifax who has provided guidance on the necessary procedures for such requests.

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are unverified accounts XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXXXXXX, " XXXX XXXX '', " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', " have 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did XXXX the public record but i still heavy other things its not my XXXX XXXX did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help
Product: Credit reporting, credit repair services, or other personal consumer reports

The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 2 {$100.00} gift cards XXXX XXXX Both cards have expired when I called to have the cards reissued the company advised they wont reissue the cards since they have expired and will keep the money
Product: Payday loan, title loan, or personal loan

I opened a personal loan with SoFi on XX/XX/XXXX and had it funded on XX/XX/XXXX. I opened the loan after receiving an offer from SoFi for a {$350.00} bonus for opening a personal loan. I contacted SoFi on XX/XX/XXXX to inquire about the bonus and they stated that they can not issue the bonus due to the loan being paid off early. After reviewing the terms and conditions of the promotion, there is nothing that discusses being ineligible for the bonus for paying off the loan early. I would not have paid off the loan early had I known SoFi wouldn't pay the bonus, nor would I have opened the loan without the bonus.
Product: Credit reporting or other personal consumer reports

I have multiple inquires to credit unions and other lending entities on or around XX/XX/2023 and ending on XX/XX/2023. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for these loans and want them removed from my bureaus. 

thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX.
Product: Debt collection

I am having severe financial problems right now and being called 5-6 times a day and left non stop voicemails is not going to help me pay my debt any sooner. Do not answer or call back because if your company is this harassing without a phone conversation I do not want to speak with you about when I can pay because you will probably call and harass me even more literally XXXX. until XXXX and this is 5-6 calls from one number but your company calls from different numbers so I am probably receiving atleast 10 phone calls a day which is ridiculous. Your constantly waking my newborn baby by calling all the time. Between the number listed above XXXX, XXXX, and XXXX these are the dates and time of calls received daily just within the last 11 days. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) I am sure I probably missed some because you call off multiple numbers but 89 calls in the span of 11 days is ridiculous and beyond harassment especially for a debt of maybe {$300.00} dollars.
Product: Checking or savings account

Well the bank or XXXX XXXX stole my money one of the other they don't want pay me back they had XXXX my life bb & t
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Subject : Complaint Regarding Failure to Receive Promotional Bonus from U.S. Bank Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank for their failure to provide me with the promised promotional bonus, despite my having met all the specified requirements outlined in their promotional campaign. This issue pertains to a business checking account promotion that promised a significant reward for maintaining a certain deposit over a specified period. 

To summarize, I received an invitation from U.S. Bank on XX/XX/year>, to open a business checking account with the promise of a {$750.00} bonus for depositing {$15000.00} and maintaining it for over 60 days. I promptly met these requirements, only to be later informed that I supposedly did not fulfill another condition not previously communicated to me. 

For your convenience, I have included several attachments with this email : At attached documents include my checking account approved proof screenshot and 6 month bank statement of this account. 

Despite numerous attempts to resolve this issue directly with U.S. Bank, including multiple communications with their customer service department and provision of all requested documentation, my efforts have been fruitless. It has now been several months since I satisfied all promotional criteria, yet the promised bonus remains uncredited. 

This refusal to honor a clear promotional commitment not only constitutes a breach of agreement but also represents a broader issue of trust and integrity within the banking sector. I am therefore reaching out to the CFPB to seek assistance in resolving this matter, ensuring that U.S. Bank is held accountable for their promotional practices. 

I believe the CFPB 's commitment to ensuring fair banking practices and protecting consumer rights positions it uniquely to address and rectify this situation. I am hopeful for your support in securing the promotional bonus rightfully owed to me by U.S. Bank. 

Thank you very much for your attention to this important matter. I am eager for a resolution and remain available should you need any further information or clarification. 

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

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Debt collection

The XXXX  informed i was discharged from the debt due being abused and the XXXX released me from the lease and supplied paperwork regarding the release. 
its a violation from the Federal Law per frca guidelines
Product: Credit card or prepaid card

Received a text message about my credit card informing that I needed to " ( Call XXXX XXXX # ) XXXX-temporarily-locked-ID : XXXX '' Text was sent to cell number at XXXX XXXX XX/XX/2022 I had tried to log into my credit card account and it indicated my information was incorrect, it was not, I then called the credit card company ( different phone number ) and spoke with the representative who informed what I knew to be true about my account, the current balance, pending payments, available credit and that my account was in good standing and not locked..
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate Equifax, XXXX, and XXXX  credit reporting.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
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 has violated my rights. Or 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.
Product: Credit reporting

I received an email from Experian that the investigation is complete and my report. isready. Unfortunately, every time I tried to log into the report Experian 's website had problems and I ca n't log into it. I emailed customer service several days ago, got another email with the comment that my report is ready and again the website is telling me : '' We 're sorry, we experienced a system problem and are unable to provide your personal credit report for online viewing at this time. You may want to try again later ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was NOT authorized. 

AMEX Date of Inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payday loan from XXXX XXXX showed up on my credit report. I never applied or received a payday loan. Called XXXX XXXX and they said I had to do this or make a police report to dispute it. I also disputed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports under the Fair Credit Reporting Act. I am requesting this be removed from the 3 credit agencies under this legal precedent.
Product: Debt collection

XX/XX/2019 Call me at XXXX XXXX C.t. XXXX They would only say ( MCM ) Midland Credit Management.
Product: Debt collection

to XXXX concerning discrepancies in my credit report, Following a thorough investigation into my credit report, I experienced significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. Pursuant to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to employ reasonable procedures to ensure the utmost accuracy of information pertaining to individuals, it is clear that your obligations in this regard have not been met.

I am aware that according to 15 U.S. Code 1681i ( 5 ), specifically addressing the treatment of inaccurate or unverifiable information, consumer reporting agencies are obligated to promptly delete or modify such information upon confirmation of its inaccuracy or inability to be verified. Additionally, they are required to notify the information provider of any modifications or deletions made. Should you fail to provide verifiable proof within 15 days following your investigation, the accounts and/or information detailed below must be removed.

Pursuant to 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following account lacks valid evidence and is therefore in violation. Please take the necessary steps to remove it from my credit report : XXXX XXXXXXXX Account Number : XXXX Similarly, in accordance with 15 U.S.C. 1681i ( 7 ), the following account lacks valid evidence and should be removed from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your cooperation in addressing this matter promptly.