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

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX . Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts on my credit report, and I have no clue how they got there. I regularly check my report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but it wasnt. The wrong accounts stayed put. Because of this, Im asking that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX  XXXX card service XXXX XXXX XXXX  XXXX XXXX  XXXX  auto finance XXXX XXXX
Product: Credit card or prepaid card

Hello, I love to use the app XXXX, which rewards users for sharing their credit card history, and recently it has stopped working for me. When I asked about it, they let me know it was because of a decision by Capital One. 


Below is an email that I received from XXXX that may help clarify. 


We just wanted to loop you in on the Capital One delays our service providers are experiencing! 

They've let us know that Capital One has recently begun blocking customers ' access to their own data through third parties ( this being our providers - XXXX ). But the good news is that you have the right to access your financial data and can take action!
Product: Credit reporting or other personal consumer reports

There are 10 inquires on my Equifax that doesn't belong due yo identity theft There are 26 inquires On my XXXX that does not belong due to identity theft And 23 inquires on my XXXX that does not belong due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this information. And seeking reports free from EQUIFAX and XXXX  and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as credit karma etc, its preventing me from getting proper housing XXXX, XXXX XXXX OH XXXX, XXXX , TXXXXX, XXXX XXXX NCXXXX, XXXX , TXXXXX XXXX, XXXX XXXX OHXXXX XXXX, XXXX , NC XXXX, XXXX XXXX NCXXXX  XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXX, XXXX, XXXX
Product: Mortgage

Compliant against XXXX XXXX XXXX of Annie Mac Home MortgageI am a victim of being treated unfairly by XXXX XXXX XXXX, branch manager of the Annie Mac mortgage company, XXXX, Delaware branch. Per the Dodd Frank Act under Unfair Deceptive Abusive Acts and Practices ( UDAAP ), it states " abusive '' is defined as : - materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service, - takes " unreasonable advantage '' of a lack of understanding on the part of a consumer of the material risks, costs, or conditions of the product or service '' Deceptive '' is defined as : - consumer 's interpretation is what matters, not the institution 's intention with its message or practiceWhile UDAAP may not be applicable to Annie Mac due to their amount of annual assets, they should still fall under the laws of UDAP.
Product: Credit card or prepaid card

Hello I have contacted all the three credit card companies and advised them that these accounts have been opened fraudulently. I was XXXX overseas in XXXX when theses cards were opened in my name. I have sent them my XXXX papers and and FTC Identity theft paperwork and yet they fail to remove these accounts off my credit report. The dates are approximately XX/XX/XXXX thru XX/XX/XXXX Here is a list of these accounts : AMERICAN EXPRESS BALANCE {$1900.00} XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX  BALANCE {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX  NA ( no account number available )
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reinstatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired XXXX XXXX who took {$130.00} a month to repair my credit. Upon hiring them th4ey  have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at Capital One and XXXX due to the recent XXXX data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

Name of Account Account Number CAPITAL ONE XXXX XXXX XXXX XXXX Mistaken Identity Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This kind of problems have been reported many times- Experian never stops this same problem from recurring. With Experian paid membership service ( XXXX XXXX ), all out of sudden on XX/XX/XXXX, Experian removed the credit reports and scores from my online account using the excuses that I no longer have a FICO score ( see attached email ) or may not have enough credit history ( see attached screenshot ), which was apparently not true ( see attached credit report ). It was a waste of money paid for the membership. Whats worse, it would violate Fair Credit Reporting Act. If no final solution, such errors will continue to be reported.
Product: Credit reporting or other personal consumer reports

I HAVE RECEIVED A COPY OF MY CREDIT REPORT, AND I NOTICED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Debt or credit management

The company asked me to stop paying my creditors. I had accumulated XXXX in the account aI was funding so they could negotiate with my creditors. I looked at my account XXXX day to see I had a zero in my account. I then looked to see what creditors they had paid. They had not. I called them regarding the funds and the said they get paid first then they start paying the creditors.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Capital One, and here is my account number : XXXX XXXX XXXX, 2024, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any 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.

and according to 15 USC 1681eb they are supposed to ensure this ( 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.

And according to 15 USC 1681s-2 this is supposed to happen ( 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. 
This account was deleted from on XXXX XXXX then added back as verified and updated. Please fix this correction and delete this account from my credit report. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report information that is on my credit report up to XXXX XXXX XXXX some items that never fall off and I can't get them to remove. They don't investigate it properly they don't respond within a timely manner they don't give me clear information and one item which I have attached an example of is very old. These companies give them limited information like they don't tell them on the account is closed they just keep updating things and one is over XXXX XXXX XXXX. I want them removed immediately. It shouldn't still be on there. There is a student one that was paid for and paid off over 15 years ago and it's still on my account.
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my reportXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX XXXX : {$980.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by SYNCB/CCDSTR on my credit reports with XXXX, Equifax, and XXXX. The discrepancies across these reports are clear violations of the Fair Credit Reporting Act ( FCRA ) and have resulted in significant harm to my credit profile. Furthermore, my account was sent to collections without my consent, which I believe to be a violation of my right to privacy. I request the immediate removal of this account from all credit bureaus and a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit Limit XXXX XXXX : {$1100.00} Equifax XXXX {$0.00} XXXX XXXX {$1100.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact The above discrepancies demonstrate a failure to provide accurate and consistent information, leading to a misrepresentation of my financial behavior. Moreover, the account being sent to collections without my consent constitutes a breach of my privacy rights and further exacerbates the damage to my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting dates, credit limits, and payment details violate this provision.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires that upon notification of a dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. ***************Right to Privacy : *********** Sending an account to collections without the account holders consent or notification can constitute a violation of privacy. This action implies the disclosure of sensitive information to a third party without proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax offered free credit monitoring/ID theft protection after they had a security breech. Their website gave instructions to enter your last name and SS # to see if your information was affected, then provided a date for when you should return to the website to enroll. I was given X/XX/2015 as the day I was to return to sign up. I followed the entire process, entering all the personal information required but when it came time to complete the process was unable to do so. I have called the Equifax call center twice, most recently this morning. I was told the only way to enroll was to go through the website, they suggested I try in the very early or very late hours of the day to enroll. This morning the woman I spoke to gave me the same response after I told her I had already made unsuccessful attempts. She stated there was nothing else she could do I just had to keep trying. I asked for a supervisor, was placed on hold for 35 minutes, the same woman came back on the line and gave me another number to call. I was never given the opportunity to speak with a supervisor and the number I was instructed to call has an eternal busy signal. I did everything Equifax asked me to do in order to be enrolled in their program. I started the process over a week ago, it is unreasonable to be expected to wait for protection indefinitely for a breech in security they are responsible for. I have no evidence to provide as the only way you can communicate with them is over the phone or via their website. Conveniently for them it does n't leave a record of communication with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reported a Dispute with Equifax ( resolution code XXXX ) & XXXX XXXX ... ( When contacting XXXX   provide your current file number : XXXX ). 

I can't see the results because apparently they don't have my Birth Date information with Equifax ...? ( They have my entire Credit file but somehow without my accurate Birth Date? ) And I can't see my Dispute resolution because of an error that is simply Not My Fault! 
I have called them, multiple times and they wanted me to Fax my Birth Certificate & Driver 's License to them ( the request originated in the XXXX! ) I declined due to obvious security possibilities .How do I Proceed? Please Assist Me! 

Thank You, XXXX XXXX XXXX, MD
Product: Consumer Loan

I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.
Product: Credit card

My wife and I have a Citi Credit Card. We have had the card for XXXX  years without any issue. Just recently ( XX/XX/year> ) our Citi Credit Card was compromised. There were XXXX purchases at XXXX which totaled {$2900.00} We reported the fraud immediately ( XX/XX/year> ) and had a new card sent to us from Citi. We also filed a police report on XX/XX/year>. 

We have tried to work with Citi customer service and Citi Fraud department ( answered all questions, provided police report ) since XX/XX/year> and as of today XX/XX/year> Citi is refusing to refund the fraud charges. These charges were not executed or approved by my wife and I. The Citi company website states, Citi has a Zero Liability Protection policy. 

We have followed all direction given by Citi and have worked with them for a month and they are now telling us ( as of today XX/XX/year> ) there is nothing they can do and they will not reverse or refund the fraud charges.
Product: Debt collection

CFPB Complaint Against Kohn Law Firm Complaint Title : Debt Collection Violations & Failure to Validate Debt Company Name : Kohn Law Firm S.C . 

Issue : Debt collection, Failure to Validate Debt, Improper Collection Practices Description : I am submitting this complaint against Kohn Law Firm S.C. for the following violations : Failure to validate debt after multiple requests under 15 U.S.C. 1692g.

Continued collection attempts without validation, which is illegal under the FDCPA. 
Misrepresenting their legal authority to collect by not providing proof of ownership or transfer of debt. 
Attempting to collect on behalf of XXXX XXXX XXXX without providing legal documentation authorizing them to do so. 
Failing to cease collection activities despite not validating the debt. 
Not responding to a formal debt validation request before reporting the debt to the CFPB. 
Failure to provide their Illinois debt collection license, which is required to collect debts in the state. 

Attachments : Debt Validation Request Letter to Kohn Law Firm S.C . 
Illinois license search proving Kohn Law Firm is not licensed to collect in the state Previous correspondence requesting validation XXXX credit report showing account placement under XXXX XXXX XXXX
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 XXXX 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 Balanced {$89.00} XXXX XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax apparently closed the new account that I just got with XXXX XXXX XXXX, when I called them Saturday. I did not want them to do this, I was simply asking what's taking so long with the complaint that I already filed. Ther had been fraud on the previous XXXX XXXX XXXX that I had and they reported the account had been closed, but I simply was getting a new card with a new account number. My credit score, availalble credit, and average credit age all dropped, and this was after I had already filed a dis [ ute with XXXX saying that the account was not closed, and Equifax had put the account back and then closed it again. Now they are really ffrustrating and aggravating me with their incompetence saying that the account is closed when it's absolutley not, and now I'll apparently have to get another new XXXX XXXX XXXX to replace the first new one that I already got and used, becuase Equifax stupidly incorrectly reported the accout as closed again.