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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX. 

www.peaksloan.com.
Product: Vehicle loan or lease

My 2 years lease was end on XXXX, 2023 and I extended the lease for another 6 months. My payoff amount in XXXX was {$29.00} Now, I called to Ally bank, asking how much is my payoff amount as of today. They gave me the same amount as 6 months ago. On my question how it's possible, they said it was courtesy of the bank. So, I used the car extra 6 months, got more miles, paid almost {$2300.00} and price stayed the same. 
Is it legal, I think this is consumer ripe off Thank you.
Product: Credit card or prepaid card

I have a edd card some charges were made I did not make I tried to fix going on 6 mouth dealing with this ro my understanding some conpctped a card to my account transfer money to other account I told them.i did not do this I got dined 6 times now I even asked to take card off took them 4 mouths to take off even now I can't get back I had to go in to bank to verify who I was when money was transferred but this was XXXX XXXX so I had to wait 2 days the mounts were XXXX XXXX XXXX dollors in total the transfer to other accont bank america edd
Product: Debt collection

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

HUNTER WARFIELD INC.

15 U.S.C 1681 Section 602 A. States I have a 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: Checking or savings account

My account was impacted by fraud at the start of 2024. A check was falsely deposit into my account and later withdrawn at a different branch the following day. I have filed a claim with TD bank to which their fraud department has not gotten back to me. I am constantly called by their collections department knowing that the account was impacted by fraud and my new account that was opened was closed with all my funds removed. TD bank has failed to respond promptly to the fraud claim and has not closed my account with funds inside even though a fraud claim and affidavit of forgery was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an UNVARIFIED Chapter XXXX bankruptcy on my credit report based on information that they received from a third party agency LexisNexis. Under the FCRA, XXXX XXXX Agencies XXXX Credit Bureaus XXXX must provide a copy of the verifiable original creditor documentation if it is requested properly by you the consumer. Since they can not provide proof of verification to you in the form of a physical contract document per your written request to do so the account is classified as UNVERIFIED and under the FCRA all UNVERIFIED accounts MUST BE DELETED. Whether the account is correct or not makes no difference. If the CRA can not provide you physical verification of the account it is an UNVERIFIED account and MUST BE DELETED. Per clerk of the court of the United States Bankruptcy XXXX XXXX And XXXX XXXX of Texas, they do NOT verify bankruptcies for anyone and that is indicated in the attached letter from the court. Companies such as LexisNexis and XXXX are considered third party verifications and NOT actual verifications from the court. Due to the fact that this bankruptcy has NOT and can not be verified via the ACTUAL court, I am requesting and demanding that this bankruptcy be removed from my credit report immediately.
Product: Checking or savings account

I had unauthorized purchases made to my account on Thursday, XX/XX/XXXX. I submitted a dispute to my bank with the amounts of {$120.00} at some online retailer called rosatees.com. There was another charge made to XXXX for {$52.00} as well. Neither one of these charges were made by myself and I dont know what evidence there couldve been to say that it WAS me. Apparently when doing the investigation, both retail sites confirmed that it was an authorized transaction. My card was stolen, and Im not sure how they couldve been authorized charges when I can almost 100 % guarantee that the charges made had none of the same information such as my address, phone number or any other information given to the retailers with the exception of my name and card numbers. I never use XXXX services or even hardly ever make XXXX purchases. I have apple products and dont use anything google related. Ive never even heard of this website called rosatees before either. I can guarantee that someone is using my name to use my money and get away Scott free! Ridiculous.
Product: Debt collection

I sent convergent outsourcing a certified letter on XX/XX/2020 which they received on XX/XX/2020 asking for proof of this debt, I have never had XXXX, I have been with XXXX XXXX for as long as I have had a phone and can provide proof, so I know this is not my debt. I would like to see verifiable proof such as a signature, contract, or drivers license so that I can get to the bottom of this problem but they will not respond but yet continues to post this debt on my credit report, I would like to see verifiable proof or for this fraudulent debt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$680.00}, XXXX  XXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}
Product: Debt collection

I DECIDED TO SIGN UP FOR CREDIT WHEN I ENCOUNTERED THIS COLLECTION XXXX XXXX XXXX XXXX Original creditor HARRIS & HARRIS ( Collection Company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I contacted XXXX XXXX XXXX and have made a couple of payments online myself I was not aware of the debt at all, spoke to a company rep and she said that my debt is not {$1300.00} like what it is reporting in my credit report if not {$600.00}, she had no clue tried to contact Harris and Harris can't get answers, sent a questionnaire only way to contact them with all the info. I also told medical faculty that I had intentions to pay them per month but never ever got a bill, they had the wrong address, I also informed them that I was paying on website and you have no right to send me to collections while payments in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries as authorized by me. 

I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in contact with XXXX in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. XXXX has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
Product: Mortgage

This is XXXX XXXX and I'm a XXXX XXXX XXXX FROM XXXX XXXX XXXX. I'm submitting a complaint of behave of my client ( THE BUYER name XXXX XXXX XXXX  ). My client put an offer on XXXX XXXX XXXX XXXX FL XXXX and he had under contract by XX/XX/XXXX. My client was prequalified for FHA loan. The lender asked for the conditions the bank needed to approve the loan. My client sent them in time. My client paid for the home inspection, appraisal and 4 hours online course to qualified for a government program. The lender agent ( XXXX XXXX MLB RESIDENTIAL LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  cell XXXX, Office XXXX, Fax XXXX and email XXXX  ) didn't try to help my client as he supposed to do. According to lender the bank denied my client and he had to submit another application to an investor. The new investor was out of state and it took a week to response every time that we sent a document to approve to my client. Lender ask for documents that my client already sent all the time. I had to issue the first extension on XX/XX/XXXX due to the delay in this process. Seller agreed to sign it. Lender ask for two more weeks to finalize the loan. After two weeks of waiting on the investor, the loan was approved. The lender asked for another extension XX/XX/XXXX. The seller agreed to sign it, but stated that she won't sign another extension. According to the lender, the investor wasn't responding on time. My client, the seller, the listing agent and myself were upset with the way the lender handled this loan. Seller didn't want to cancel, but she feel sorry for the buyer. It wasn't his fault. No to mention that I tried to contact the corporate office and they were worst than the local office. I was transferred to XXXX  ( XXXX ) who is the manager for that area of the country. He lied to me all the time and ignored all my phone calls and texts. I couldn't update my client through the corporate office. I believe my client deserve a better treatment and respect and myself as agent representing the real estate industries. I let the lender know that the seller would wait until Tuesday XX/XX/XXXX to submit a cancellation of the contract and my update was ignored. Seller cancelled on Wednesday XX/XX/XXXX and the lender texted the listing agent to inform her that all the conditions were met. Meaning with that we would have needed another week to wait for the clear to close. My client signed two disclosure statement that weren't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried contacting the company EQUIFAX regarding the information being reported wrong in my credit report. 

I contacted them on XX/XX/2023 at XXXX XXXX XXXX XXXX and the reference number for the call is XXXX i spoke to the supervisor XXXX and he said they have no power to remove the accounts due to wrong information even thought the FCRA says i have the right to information being reported right. 

i have sent already XXXX letters of dispute and nothing has been done. i would like the accounts in the dispute letters to be removed, the inquiries being dispute removed as well.
Product: Credit card or prepaid card

On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows : XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX. XXXX The creditor ( Bank of America ) received my written request identifying the merchant, amount and date of transaction and it has responded stating that Bonk of America is unable to process inquiry I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX  to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. Bank of America representative XXXX XXXX, Bonk of America, Resolution Specialist kept looking for excuses inventing reasons to deny helping me. First, XXXX XXXX stated that he is unable to find disputed transaction. When I provided him with letter identifying the disputed transaction, XXXX XXXX falsely claimed that there have not been claims filed for these transactions within the allowed timeframe. When I provided him with the banks response to my dispute stating they are unable process inquiry. XXXX XXXX  stop responding to my communications. Eventually he run out of excuses. XXXX XXXX  is either inept and unable to help or he is just dishonest and purposely avoiding answering my inquiries. 
It appears that the creditor ( Bank of America XXXX either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.
Product: Credit card

My deceased father 's American Express Credit Card was fraudulently used in the State of Michigan by unauthorized users ; a XXXX XXXX and XXXX XXXX. Now, XXXX XXXX XXXX is contacting the Estate of XXXX XXXX and demanding payment. 
BTW, Amex also has an incorrect address for my Dad 's account. Somewhere in XXXX, MI XXXX. My Dad lived nowhere near XXXX, MI.
Product: Credit card

On XXXX I initiated a balance transfer in the amount of {$1400.00} with Capital One Bank. I was transferring {$1400.00} from my XXXX XXXX XXXX  credit card to my Capital one credit card. Capital One posted the balance to my account and sent a paper check to XXXX XXXX XXXX. When XXXX XXXX XXXX  received the paper check they denied the payment and destroyed the check. Because they only accept electronic payments. They sent me an email notifying me of their actions. I then contacted Capital One and notified them of XXXX XXXX XXXX  denying and destroying the balance transfer payment. At which time I was basically told they were not going to remove the balance transfer amount of {$1400.00} from my account. It was my responsibility to resolve the issue with XXXX XXXX XXXX. My question is how can a bank charge me for a debt that they did not accrue or take possession of? The receiving bank did not honor the payment. Capital One did not assume responsibility for the debt therefore I should not be charged for the debt. And it should be removed from my account.
Product: Credit reporting or other personal consumer reports

This letter constitutes my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my previous disputes and clear notifications regarding these inaccuracies, your agency has failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve these issues amicably ; however, your continued inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information contained in consumer reports. Section 1681b expressly prohibits the inclusion of hard inquiries without a permissible purpose, and the presence of unauthorized inquiries on my credit report is a direct violation of this provision. Moreover, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are obligated to investigate and remove any disputed information within thirty days of receiving notice. Further, under 15 U.S.C. 1681e, you are mandated to follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. Your failure to comply with these statutory requirements leaves me no alternative but to seek redress through litigation.

Additionally, the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and its implementing Regulation B ( 12 C.F.R. 1002 ) require that all creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. Your failure to validate these unauthorized inquiries, despite my formal disputes, is a direct violation of federal law. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) reinforces these obligations by requiring that any disputed information be thoroughly investigated and corrected or removed at no cost to the consumer. The continued reporting of these fraudulent and outdated inquiries has significantly harmed my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.

Furthermore, pursuant to 15 U.S.C. 1681s-2, furnishers of credit information are obligated to provide accurate data to consumer reporting agencies. Your failure to remove inaccurate or unauthorized inquiries further compounds your liability under federal law. The cumulative effect of these violations warrants the recovery of statutory, actual, and punitive damages as provided under 15 U.S.C. 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed this account with other agencies and was deleted. Waiting for Transunion to delete 15 USC 1681 e ( b ) accuracy of report ( 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.

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

A new Credit Card was mailed to my address on XX/XX/2023, that I did not apply for. On XX/XX/2023, I called Capital One to report Fraud and to close down this new credit card. Capital One have noted Fraud on this account and is currently investigating this report. The local XXXX XXXX Law Enforcement have been notified of this Identity theft, and all 3 Credit reports have been reviewed.
Product: Credit reporting or other personal consumer reports

I found that an inaccurate item was added to my credit report, XXXX XXXX XXXXCollection. I can certify that I have never received " communication '' or " notice for validation of debts '' required by 15 USC 1692g and 12 CFR Part 1006.34, thus this item could not possibly qualify under FCRA. Equifax does not take sufficient steps to investigate and notify me about my dispute, resulting in the inclusion of incorrect information on credit reports. This derogatory information is causing me financial distress, and threaten my access to credit, employment, and housing.