23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have an account with PNC. A refund of {$300.00} was issued to me on XX/XX/2023. PNC has not credited this refund to my account. They opened a dispute on my behalf instead. 

When I spoke with the company that issued the refund, they provided me with the refund date, transaction number, amount, and card number they issued the refund to. 

I have attempted to provide this information to PNC, who refuses to take it. They are insisting that a dispute must be conducted via snail mail. I informed them I do not have a printer and could email the information to them. They refused and said they will only correspond on this matter via snail mail. 

I am not certain why they are refusing to assist in any kind of timely manner. I am not going to go out and buy a printer, or pay for a cab to go somewhere that will charge me to use a printer, just so they can credit my account with money that should already be there. 

I am attaching the information for you. Maybe you'll have better luck than I have.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

During my first conversation with XXXX from XXXX XXXX. He contacted me about a debt that I originally paid in full to a lending company ( XXXX ). When I explained to the agent that this was inaccurate, because I paid that debt in XXXX of XXXX, the agent began to tell me that I hadn't paid the debt. He said " I'm looking at the debt so it wasn't paid, I'm an attorney for XXXX Bank and you owe my client this money '' I told him that I paid in full to XXXX and I don't know who he is or what he wants. He went on to tell me that I just need to pay him because he has never heard of XXXX. I told him I've never heard XXXX XXXX XXXX Bank or whatever company he was calling from. I continued to tell him that I paid that debt in 2022, and I verifiedthat with XXXX customer service. He told me well you can't believe what customer service tells you. Then he did if you paid them where the proof send me the bank statement or transaction. He transferred me to someone he claimed was a manager who then asked me to email him my bank statement. Mind you I already told them I have no idea who they are and no one from this company has sent me any written requests for payment.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to investigate this account below : XXXX Account # XXXX I don't have the full account number because this is all the credit bureaus are showing. 

I file a complaint with the CFPB back in XXXX. Looks like the Account came back as verified from XXXX. 

Did XXXX provide proof? 

How did XXXX verify this account with XXXX? 

I literally have the email from XXXX saying this account is falsely reporting to my credit report. 

So XXXX is not telling the truth. There is no way to verify the account as my account because I have never had a car with XXXX. 

Below is the supervisor name, email, and phone number. You can contact him to verify this account is falsely reporting to my account. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX XXXX Attachments show information from the supervisor/manager to me. The email clearly stated that the account was falsely reporting to my credit report. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 )
Product: Debt collection

XXXX is reporting an account on my credit report that I have no knowledge of. I have asked them multiple to provide me detail about this account such as doctor name, full account details, documents with my signature, etc. The only thing they have sent me was a type letter from them. This does not provide me any information to research the account. Furthermore, the letter was sent to a family member address and not mines. I have family members with similar name, and I believe this account may belong to one of them. XXXX has not sent anything I have asked for, yet they continue to report on my credit report stating the account is accurate. Its obvious that have not research it because the address is even incorrect. Also, I have the right to know what they are collecting to confirm if the charges are correct. I need this account removed from my file immediately. XXXX is violating my rights and damaging my credit.
Product: Credit reporting or other personal consumer reports

Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . 

XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score remains at the same or lower number, and will not go any higher than XXXX no matter how long l follow the designated rules. Please can you help me find out why this is happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay early and on time but my credit score keeps falling. no matter what do. I have called many places but still, I can not get an answer as to why I need help. please I need help. 


Sincerely Mr.XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX of this year I opened an account with Bank of America and only used the account for my personal use no direct deposit thank XXXX but my friend would send me money from time to time so would n't have to deal with XXXX XXXX or XXXX.So as of the XX/XX/XXXX of XX/XX/XXXX I could n't use my online account and called and found out it was a hold on it and was told to give me the risk management department which was no help cause they could n't tell me XXXX only saying that the bank decided to close the account and it was being reviewed like all accounts do which is a bunch of bull cause if there was an issue most banks will call you or give you a heads up they did n't and not only that there is over 2000 dollars in the account and on the day they closed it they allowed my friend to put in a deposit that day which why would you do that if the account was being closed? Sounds like extortion to me and that they trying to keep my money.Then they tell me that they have to put in a request for me to even get my money really it 's MY MONEY not theres.People use banks to hold there money not the other way around they are the biggest crock of XXXX I know cause at the end of the day I need my money back they had absolutely no reason to close it period and if there was an issue why allow me to open an account anyways.But as I can see this is there practice and then they act like they ca n't tell you anything man bunk that I want my money like now cause they are the biggest crooks ever and I will keep making noise until I do get it back and get some real answers.Cause this is not right and a big XXXX fraud XXXX thieves and liers.
Product: Credit card or prepaid card

In XX/XX/XXXX I opened my credit card app to make to make another payment on my account and noticed that citi bank had decreased my limit by {$14000.00}. They did this without warning and it only came after I had paid off my full balance with them. I called citi bank immediately and they said they they get regular reports from the credit bureaus and that the reason that my card balance decreased was because of the high limit on my other cards. Well Ive already paid all my other credit cards off as well. This is wrong and definitely unfair. I believe citi only decreased my limit because I had fully paid them off and they were no longer going to make money from me by having all the interest payments
Product: Credit card or prepaid card

Company put on a fraud alert and hasn't taken it off and it has been nearly 60 days. I have called them numerous times and sent the required information and it hasn't been resolved. They don't fix it and I haven't heard back from them.
Product: Debt collection

I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company " Credit Plus , Inc '' identifies themselves to be a reseller of credit reports and has a contract with " XXXX XXXX XXXX   XXXX '' At no time in the past have I had or attempted to initiate business with either company. I AM NOT INTERESTED IN BUYING A HOME, I am a full time XXXX and would like to desire my first time home buyer experience with my future husband. I have said this over and over I was recently out I the market trying to buy a car, but to my  surprise an inquiry for a car and home landed on my credit report. I am not sure how and why this happened? What I do know for certain is that this is an act of fraudulent activity. 
Moreover, XXXX XXXX was not able to validate the " Hard '' inquiry on my credit report and decided to suppress the same from all 3 bureaus. ( Please refer to the attached CFPB Final Response from  XXXX ) I expect " Credit Plus Inc. '' to do the same or else I will be seeking legal help and monetary compensation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX Account Number XXXX po box XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX To whom this may concern, I am writing to file a formal complaint against Caine & Weiner for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : Caine & Weiner has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means : Caine & Weiner has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge protect consumer rights and thorough investigation and appropriate action to ensure compliance with federal regulations. 

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

I looked at my report on the XXXX of XX/XX/2024 and noticed that some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below : [ XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate And they have not responded to me. 

Here is my tracking number : XXXX Can you look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am forwarding the previous email for this matter. This has to be corrected for all 4 credit bureaus once completed correctly. This chaos started as a result of a simple error in XX/XX/2021. Although XXXX payment was received 3 days past my due date of the XXXX and was received XX/XX/XXXX. XXXX payment was reported late and I asked for it to be reviewed as I have 28 days grace period. Lastly, years of payment history of prior mortgage holder late fees are all transferred to my credit file when I assumed the loan. I assumed the loan not anyone else 's negative credit. 
If this matter persist and continue past the dispute deadline date. 
I informed the Nationstar that I will discuss the details pertaining to the unfair mortgage practices. Nationstar has included blatant, useless, derogatory credit information on my file. I asked for the information to remove the unnecessary late fee amount that has accrued though outage life of the loan. These unfair handling of credit reporting or lack there of responding to dispute are hindering my credit worthiness. This halted my life for one year where I could refinance, obtain a HELOC loan, or make improvements using equity where necessary. My credit score has plummeted from a XXXX to mid XXXX 's as a result of this error as it was referred to. Documenting me as paying 10 payments or 20 late payments puts me in a very high credit risk category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Open/closed Open Account number XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX IN XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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. 
The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Product: Debt collection

Good afternoon XXXX XXXX, My name is XXXX XXXX and my complaint # XXXX. I am emailing you in regards to my complaint that I have submitted to you. It shows that the company sent me settlement letters XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have never received any type of collection settlements or documentation from the reporting consumer as stated. Therefore, the report should be deleted from my credit reports for not being received. I am in the process of trying to buy a home from my family and this collection is really holding me back from doing so for my family. I desperately need help with getting this removed from my report. Please help me to get this resolved. I desperately need help Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

REGIONAL ACCEPTANCE-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX XXXX XXXX, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.