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

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

XXXX XXXX : XXXX - Account # : XXXX - XXXX : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a case pending with USAA and they are going after the identity theft and fraud for a car loan and credit card debt that happened to me XXXX XXXX and my Father XXXX XXXX under the same USAA account USAA had told us that it would be to take enough or credit and taking the care of a year or more ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have received a letter from both XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and both letters confirmed that THEY DO NOT REPORT TO CREDIT BUREAUS, NOR DO THEY VERIFY ANY XXXX  INFORMATION. Per the letters, the furnisher, XXXX Risk Solution purchased my personal public record on their own and WITHOUT MY PERMISSION, decided to report this negative information. 

THERE IS NO STATE NOR FEDERAL LAW THAT STATES THAT A XXXX HAS TO BE ADDED TO A CONSUMER CREDIT REPORT. I've asked them to delete this but they lied and said the court verified, and the letter attached, proves that the XXXX XXXXXXXX doesn't furnish this information. 

My privacy has been violated because I never gave written consent for this to be reported, neither was I sent any letter stating this would be added to my credit file ; I wasn't given the opportunity to dispute. 15 USC 1681 states I have a right to privacy for various reasons and any consumer agency and debt collector must have my written consent to report my personal information, OTHERWISE, ITS CONSIDERED IDENTITY THEFT. XXXX Risk Solutions purchased my personal information and decided to display it without my permission.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized credit inquiries that have appeared on my EQUIFAX credit report. These inquiries were made by companies with which I have no business relationship, no prior dealings, and for which I did not provide consent. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose before accessing my credit report. Inquiries made without my authorization violate my consumer rights and negatively impact my credit score. Since I never applied for credit, loans, or services with the listed companies, these inquiries are unlawful and unauthorized. 

1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX and after 4 months I refinanced my car and transferred my auto loan to XXXX XXXX XXXX. XXXX XXXX XXXX paid off the entire loan with XXXX. However, the XXXX loan keeps appearing in my credit score. I am applying for a rental and this information is jeopardizing my approval, because it seems I have two auto loans when indeed I have only one.
Product: Checking or savings account

In 2022, Wells Fargo opened multiple accounts in my name without my persmission. 
Thus far, they have never confirmed the account were closed. Neither did they ever contact me to make this right as part of their settlement. This company has violated several of my consumer right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

XXXX. I received an unsolicited offer by mail from Bank of the west for a credit card saying that if I spend certain amount in XXXX  months - they will offer a credit of {$200.00} sometimes in XX/XX/XXXX XXXX. I applied and got the Credit card XXXX. I used the XXXX  to pay for some bills so that I am eligible for {$200.00} reward XXXX. When it was time to pay the bill - I paid most of the amount minus {$200.00}. I called their XXXX  XXXX  and they said they helped me apply the reward amount to the balance payment of the bill. The XXXX XXXX did not tell me that there is a time lag between applying the reward amount applied to pay the bill and the actual posting of the amount towards the bill. 
XXXX. After this I did not use this XXXX  to charge any other amount. 
XXXX. A few days back I received a bill for {$54.00} from the bank of the west for this XXXX  XXXX. I called the number given on the back of XXXX and was told that reward was applaied on XX/XX/XXXX while bill was due on XX/XX/XXXX and thus there was a late fees of {$27.00}. 
XXXX. As I had not used this XXXX for any other transaction- I did not check my monthly statement. 
XXXX. The customer service of the Bank XXXX told me that since I had not paid the first late fees of {$27.00} there was an additional alte fees of {$27.00} and tne total amounto be paid was {$54.00}. 
XXXX. I explained that I was not told about the lag time in applying the reward amount towards the payment of the bill- I should not be charged {$27.00} as the late fees and thus if thje first late fees is waived - the second late fees should be waived automatically. The Customer services rep stated that the system does not allow them to wauve these fees XXXX. I requested the rep to cancel my XXXX  and she said that it can not be canclled unless I pau the {$54.00} XXXX. I then went to Bank of the west XXXX located ar XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and met XXXX XXXX XXXX,, XXXX XXXX  Banker ( Phone Number XXXX ), Email address - XXXX. She called the bank XXXX line and requested them to waive off the {$27.00} fees and was successful in getting the first {$27.00} fees waived. XXXX pleaded with the XXXX to waive the XXXX fees as it had not justification after the first fees has been waived. XXXX- the XXXX rep called his supervisor XXXX who expressed his inability to waive the XXXX {$27.00} fees. XXXX expressed her frustration to me stating that their XXXX  group do not even listen to them. 
XXXX. I requested XXXX and XXXX XXXX to give me the Email address of the customer service for XXXX. Both told me that I should XXXX it and find this out. I havre XXXX  it for XXXX minutes and there is no place they give the email addresses of the customer service VP. 
XXXX. This bank seem to be behaving like a rogue and That is what I decided to take the time to file the Complaint with CFPB
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally regarding discrepancies in my credit report. Upon examination, I identified late payment entries that I dispute. Despite sending correspondence over a month ago seeking clarification, I have not received any response or adequate verification of these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; 998 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting ace XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

On XX/XX/2018, Citizens Bank processed a DDA Debit for XXXX on my checking account for an offset for an old account that I had with them. However, since the sources of income for that account are Unemployment and Child Support, those sources are considered uncollectable and are exempt from debt and garnishments. They are refusing to return my unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written to Experian twice regarding inaccurate information. They're reporting ( 2 ) different social security numbers, addresses that I've never lived at. Not once has Experian reached out to me to rectify this situation.
Product: Debt collection

The leftover fees for charges made after I left my apartment was paid in full. It was not suppose to be sent to the collection agency. I was told that it was their error and it would be deleted. 6 months later still no resolution.
Product: Credit card or prepaid card

Bank of America i made a cash advance withdrawal in XXXX or XXXX ( i am not exactly sure of the date but it is on record with the bank ) and the bank has been charging me for the cash advance to this very day i asked a bank rep. when would the cash advance payment stop being charged to my credit card and was told when my credit card is fully payed off the cash advance payment was only for {$400.00} i believe if my recollection is right and also several times i have overpaid my credit card so that i could use it to pay for items.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone got a car loan in my name
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of XXXX XXXX, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Product: Mortgage

I refinanced my home with my credit union, the title agency sent payment check XXXX  over night to Quicken loans, they did not cash the check, then listed a 30 day slow pay with all three credit reporting agencies, witched drop my credit score almost 100 points, I am over 20 e-mail deep with quicken, and phone calls, the title agency has provided proof of the payment that was sent XXXX, with shipping number and dates it was received at quicken, and the final pay of was received be EFT, they acknowledged the pay off but wont remove the 30 day slow pay from our credit reports! 

they just constantly push back making me jump through many process and never yet removing the 30 day slow pay that they received and did not cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted documentation and disputes regarding accounts that are not mine and they need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account Was paid, we did a 3-Way call with XXXX and XXXX Verified that the balance is {$0.00}. # 3 on the XXXX XXXX, Now it I showing up on the Credit Report again.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the lnaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : XXXX ) in accordance with The fair credit reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual free credit report from Trans Union, XXXX, and XXXX  credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from Trans Union. Trans Union never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Product: Mortgage

I am making this complaint in regards to newrez loan services. I recently switched insurance companies, made a payment for the new policy, of which I informed newrez of. They went ahead and paid that company again, on top of that, they knowingly paid the insurance premium of the policy I canceled a month before it was set to renew causing my escrow to drop into a negative status. Now they're doing an escrow review before I've received the refunds from these companies in an attempt to raise my mortage payment. I requested they wait on the escrow review until I receive the refunds and was told they have no control over the escrow department. The incompetence of this company is overwhelming as no one seems to have any idea as to what another department is doing.
Product: Checking or savings account

PNC bank has failed to act upon my requests to close my account. 

They failed to ever provide me access to my account, and have then failed to act to close my account. 

I went into a bank branch in XXXX XXXX XXXX, fl over 10 days ago, provided my ID and requested my account be closed, and no action was taken. 

I called and requested the account be closed again, and after 4o minutes were unable to close the account because I couldn't give the precise details of a motorcycle that I owned for 3 months, 8 years ago. 

This is my final request before taking further action. 

Account # XXXX