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

I need the following HARDINQUIERE that do not belong to me, nor do I request them and are affecting my CREDIT to be removed from my Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXX agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after XXXX reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


Equifax you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!!

( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX** XXXX   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, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Name : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Bank account or service

I have an overdraft account with TD Bank. The statements come the first week of the month with a due date the last day of the month. I will pay the balance in full by mid-month and receive a statement the following month with an interest charge even though no further draw has occurred and the previous balance was paid in full. They claim that their policy is to bill on an average monthly cycle. So even though 3/4 of the month has XXXX balance they are still collecting interest for that time period. Interest should only be calculated while a balance exists. This system makes it nearly impossible to pay in full.
Product: Debt collection

I just received a letter saying that my wages were going to be garnished due to a court judgement. No one notified me about the court case so I wasn't able to defend myself. I didn't even know this was going to court. The company on the letterhead is ADP , LLC. The Attorney is XXXXXXXX XXXX  XXXX XXXX and it says I owe money to XXXX XXXX. They sent a letter to my employer to garnish my wages and I don't even know what this debt was about and didn't know they took it to court.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been paying a mortgage service provider ( Ditech Finical LLC ) FOR 14+ yrs.. 
I have been trying to contact them for 10 days without being able to do so to pay off my mortgage of approx. {$160000.00}. 
I finally had someone come on the phone yesterda after waiting on hold for more then an hour. She told me they were having computer problems & that was the reason for the long hold time. She then tried to guide me into their that account website which I had been trying to do for 10 days, to no avail. She then gave me information to give to my Financial institution to do a wire transfer through their bank " XXXX ''. 
After being cautioned by my financial institution the there are international " wire fraud scams '' going on, I decided to contact XXXX to confirm that the information given to me by Ditech was correct. After being able to outsmart the robot I was able to reach a human who informed me that the routing # was correct but the account # was not. At this point I asked for a supervisor who told me she could not confirm or deny that the account # existed. I asked for a manager when she then informed me that I was talking to the wrong dept. And it could take many days for my called to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a an incorrect reporting on my credit file from all 3 credit bureaus Equifax, XXXX, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB has jurisdiction in this matter because it pertains to credit reporting issues committed by Chase Bank, NA in regards to potential identity theft. 

On or around XX/XX/2020, Chase had opened a credit card in my name with the account number XXXX, of {$7600.00}. This account has a XXXX balance, and Chase had closed it 30 days later, on or around XX/XX/2020, and reported " Closed by XXXX XXXX ''. 

To my knowledge, I never opened this account, nor did I benefit from this account. The fact that this account reports " closed by credit Grantor '' is hurting my credit because it implies somehow I am uncreditworthy because a credit grantor would wish to close my account. My previous attempts to resolve this with Chase have been unsuccessful. 

A copy of the erroneous item and an ID theft report is attached. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, Equifax and XXXX is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, Equifax and XXXX Warm Regards XXXX XXXX
Product: Debt collection

I have been a patient at XXXX XXXX XXXX XXXX, Alabama for well over a decade. I have always been careful to pay my balance, sometimes overpaying because my XXXX  took too long to pay their share. Suddenly in 2024, XXXX XXXX tells me that a debt collector called " Day Knight & Associates '' has contacted XXXX XXXX about medical debts I supposedly owe, " no single one of which is over a XXXX dollars ''. XXXX XXXX cancelled my annual checkup and told me that they will not schedule me further care until I have a good status with this debt collector. XXXX XXXX then gave me contact information for Day Knight & Associates. Obviously I am not going to initiate a relationship with this debt collection company, and obviously I can no longer trust XXXX XXXX to care for me as a patient. But also, this is illegal, right? A debt collection agency can not be contacting a third party such as a medical provider about an unrelated debt, and a medical provider can not be letting a debt collection agency have browsing access to the provider 's current patient list?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account open from XXXX XXXX XXXX. ORIGINAL CREDITORXXXXXXXX XXXX XXXX XXXX. ( opened : XXXX. XXXX, 2022 ), open balance {$100.00}. Previously, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested my FICO  score for the first time this year in 2022 from all three credit bureaus. With using XXXX, none of my FICO scores were available to be reviewed by myself. I contacted XXXX  that none of my FICO scores were displayed and was directed to contact each of the bureaus. I contacted Experian on XX/XX/2022 that my score were not available, with proceeding to view the scores on Experian the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. Today XX/XX/2022 there are still no FICO scores available to me. 

Under law " 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect please have it removed. I also filled an online dispute with XXXX # XXXX on XX/XX/2020 please have it removed.
Product: Credit reporting or other personal consumer reports

The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX Inquiry : XXXX. XXXX, XXXX  + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Miscellaneous
Product: Checking or savings account

I diaputed transactions with Bank of America about an order that I didnt recieved. I disputed XXXX {$100.00} transactions on XXXX XXXX. I was told that after 10 days if the dispute is not resolve with ten 10 days I will recieve a temporary credit while its being investigated. I was supposed to get a trmporary credit today because its been 10 days. I called bank of america they said that I wont be getting the temporary credit due different reasons that I dont get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report in the last 24 hours, only to find that my birth date ( the day of the month that I was born ) is incorrect by one digit. ( See page 7 of the attached. ) Please help me to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not provide a free copy of a credit report annually as required by law. The other two bureaus provide a free copy without a problem. But Equifax pretends that there is a mismatch in the information being provided to it, and uses that as an excuse to decline providing the free report. And this explanation might just make sense, except .... 

One can BUY a report from Equifax, after providing the very SAME information used on the website used to obtain a free report. Once that information is obtained, it can be used to test whether Equifax will give up the free report. Equifax will not. In my own case I used every possible iteration of the three addresses that Equifax itself lists in the paid report, in combination with the SSN listed by Equifax itself, using the name variations listed by Equifax itself. 

This is not just an isolated incident of something going awry. The exact same thing happened to my fiance. He was able to pull XXXX and XXXX   for free no problem. But when he purchased an Equifax report and used Equifax 's own listed information and was unable to pull his free report. 

This is a massive scam on behalf of Equifax and perhaps the CFPB or a class action lawyer should investigate.
Product: Vehicle loan or lease

What is this complaint about? I purchased a used vehicle with XXXX XXXX dealer in XXXX XXXX MO in XX/XX/XXXX 
I have requested a copy of my paperwork since they are no longer in business. I am given the run around from former dealership, and lender XXXX XXXX XXXX. They denied me my requested " Presentment of proof '' purchase concerning my wet ink signed promissarory note as ofXX/XX/XXXX. 

The problem I am experiencing with the lender XXXX is they denied me a to refinance my vehicle acting as a DEBT COLLECTOR calling my number even when I asked the Collection Agency as XXXX to stop calling. I asked for a deferment do to not working. I was refused and denied then received letters in the mail of someone attempting to do a refinance on my vehicle via XXXX. 

What happened? I am being denied request asking for my original promissory note with XXXX who is the lender to my vehicle. I suspect fraud have taken place with my purchase as a CONSUMER. 

The company as my lender denied me information pertaining to my original wet ink signature promissory contract and I was refused products only to be harrsssed by XXXX COLLECTION AGENCY as a lending institution company. They initiated a banking refinance transaction accessing my SSN and signature unauthorized to change terms in my purchase contract as the CONSUMER. 

The people involved are the CREDIT COLLECTION AGENTS working for the banking lender/lien holder XXXX XXXX XXXX XXXX BB & T Bank. 

My personal information and SSN as a CONSUMER have been unlawfully breached. It 's unfair and unequal practices that have caused me to be XXXX trying to avoid being deceived and ripped off by XXXX unfair banking practices. 

I clearly requested in writing to XXXX and found out about BB & T bank. I clearly requested to state the amount, interest rate and repayment terms of the loan, the date the original note was signed, and the proper legal names of all parties involved. Was only sent via USPS mail of transaction history of questionable payments made. 

In closing, my security data SSN and personal information was BREACHED a second time and verified by XXXX 

XXXX : XXXX I was denied after contacting XXXX to request the original signed promissory note with my wet ink signature, as well as a total account history ( payments, fees, transfers etc ) so I could see what the heck was actually owed and to who.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account [ Specific inaccurate information, such as " missed payments '' and " late payments '' ] I request that you provide me with detailed statements and records of all payments made and missed since I opened this account.

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Debt collection

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, the original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all imformation requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease.. 
Sincerely,
Product: Checking or savings account

I was subjected to fraud when I send my money through XXXX  which is an appt inside my bank account. I contacted the bank more than one time because this was not my false, there was a defect in chase system that allowed the thief to trick me. And I lost {$570.00}, XXXX of them was not my fault at all. Then chase said they do have any control on XXXX, but they are still their partner. 
Then on my email, I received an email from Chase advertising for XXXX. 
They are very rude in speaking to me
Product: Checking or savings account

On XX/XX/year>2024, a transfer was made to Robinhood in the amount of XXXX dollars. From a linked bank account on file. This bank account has been prior linked to Robinhood to transfer funds in and out. 

I receive a notification on XX/XX/year>2024 that my account is being restricted. I was told that I needed to submit my banking statements, and that it will be done with XXXX. After this, I was told to submit my drivers license and take a selfie. After doing this, I was told my bank verification will be looked into and that theres nothing else to do. 

I can not access the money I have in Robinhood whatsoever. I have a Robinhood debit card that I primarily use for my money, I cant use it whatsoever. I also cant move the funds I have not deposited in Robinhood. My whole system is locked out for no reason.

The bank account on file has my my name on the statements, and Robinhood has my social security number. They refuse to release my funds.
Product: Debt collection

I simply had my daughtee in my car insurance and I wasn't aware she was not paying. However when I figure out what was going on I settle the debt with XXXX, XXXX XXXX XXXX file XXXX. XXXX Please amend your records. 
Sincerely, XXXX XXXX.
Product: Mortgage

My mortgage loan was with XXXX. I fell behind and do an application for a repayment plan. XXXX of this year 2019 XXXX sold to PHH mortage. I finished The three month trial payments. I called Phh regarding the end of my trial. I was advised to wait for documents to sign and notarize XXXX I called them two weeks later telling them I have not received anything I was advised to continue to wait. I called for the past two months and no one has gotten back to me Regarding my next payment. 
Now its XXXX  19 and my credit report states I am 120 days behind and I am unable to contact my account manager his email is also incorrect.