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

To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX XXXX Please make sure your company 's records are up-to date and accurate. I only have one name, XXXX XXXX XXXX XXXX. 
If you have any other name listed for me, please delete it immediately. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please make sure you remove any address in your system which does not match the address listed on this letter. 
Appreciatively As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action
Product: Money transfers

In the past 10 years I have requested wire transfers from XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and the amount received by XXXX XXXX ( XXXX ) has always been the amount of the Transfer requested. I researched Bank of America 's Int'l Wire Transfer fees and determined the fee was {$45.00}. When I initiated the wire with BoA, I was advised that there " may be '' an Other Fee of {$25.00}, in addition to the {$45.00} fee. Based on my previous experience I felt this fee would not be charged, but {$25.00} was deducted from the amount transferred. I tried discussing this fee with BoA, but they could not tell me who received this fee or who actually requested it to be charged. In effect the fee is {$70.00} rather than {$45.00} as they advise on their web site.
Product: Debt collection

This debt collector acquired my nonpublic private information without any consent which constitutes XXXX XXXX. Its a violation of my privacy pursuant to the privacy act of 1974. An unlawful transfer.
Product: Checking or savings account

The incident occurred on XX/XX/2018. 
I had applied for a loan and got scammed. 
There was an advanced amount of ( {$970.00} ) by a check, I was told to purchase gift cards with the amount. Knowing this was a fraud situation I proceed to the police department and set up a complaint.
Product: Checking or savings account

On XX/XX/2018 my husband and I went to our local BB & T branch to make a withdrawal. We told the teller we want {$200.00}. She gives me one cashier 's check to sign and she gives us our {$200.00} and a receipt that is not printed on but has the teller 's hand written receipt for our balance. When the mobile website was restored after the outage they had on Thursday, I saw we were charged two times for {$200.00}. This is not the first time this bank has made an error like this this is the third time. When I make a mistake they charge me ridiculous fees that devastate my family but when they make a mistake they suffer no consequences. I tried calling customer service but after 50 minutes on hold I hung up. I do not have time for that. BB & T needs to refund my account immediately. I did not authorize two withdraws for {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX appears to be creating credit reports with purposely low scores, which are then used by banks to demand higher interest rates and terms less favorable to the consumer. 

For example : I recently purchased a XXXX and authorized the dealer to run a credit check for the purpose of soliciting offers from banks. My XXXX score is XXXX, but my XXXX score was XXXX ( on a scale of 1 to 999 ) and cited factors related to time at phone and address, too few installment accounts, total account balances, etc. XXXX XXXX  then sent me a letter informing that due to my credit information, they could not grant a loan on the transaction as submitted, but would be willing to do it on modified terms that had been submitted to the dealer. Searching online, I found that others had had the same problem with these two institutions. I ultimately did not use XXXX XXXX, but wanted to inform you of this potential scam.
Product: Credit reporting or other personal consumer reports

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

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the previous complaint number XXXX. 
This is still showing on my credit report as LVNV as charge off and outstanding as if it was not paid.
Product: Credit card or prepaid card

Hello, On XX/XX/2020 when the COVID-19 pandemic started. I wanted to cancel my international flight since at this time, the USA was at stay at home orders and the borders have been closed. My flight was for XXXX. I tried to get in contact many times with the airline and no response. They would just hang up or lie and say I got the wrong number after I asked about cancellation. So I decided to file a dispute with my credit card, to file a dispute on this transaction. They gave me a temporary credit of {$140.00} USD, which is how much I paid for the flight. 
During this time, I still tried to get in contact with the airline and still no response. 
XXXX came and went. My flight passed. 
So now is XXXX, still tried to contact the airline and no response. On XX/XX/2020, I notice on my credit card billing, that Citi has closed the dispute and decided on the merchant 's favor. So they reversed the transaction of {$140.00}. 
I don't know why they decided in the airlines favor, especially when my flight was in XXXX. So I have no flight, no refund, no nothing. I try to contact the bank, I have been on hold for 2 hours and I get hung up on. I don't know wha else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Refused To Removed 2 Accounts From XXXX XXXX XXXX That on my credit report that should not be there. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report. 





XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Past due 180 days Status Updated XX/XX/XXXX Balance {$5100.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$690.00} High Balance {$5100.00} Monthly Payment {$100.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Now redeemed, was a repossession Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$570.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$39000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER
Product: Payday loan, title loan, personal loan, or advance loan

Open the account with out my permission wrong name mailing address from 10years ago email address wrong, and phone number took two payments in one week I tried to reach a settlement but they want a high interest payment ruined my credit this company should not be in business I would have never expected this loan I have sent many emails and they keep telling lies and am I a victim of fraud no I have the money from the company without my permission I would have never signed that contract or the terms in it
Product: Debt collection

I received a voicemail today ( XXXX/XXXX/XXXX ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from XXXX XXXX XXXX. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.
Product: Checking or savings account

On XXXX/XXXX/24 Chase Bank abruptly closed my joint cg cling account # XXXX, without my approval or even knowledge. The abrupt closure of this account was shrowded in complete secrecy. 

When I called Chase Bank customer service to discuss the abrupt closure, and their reason for this action, I was told that the reason for the account closure would not be identified, because Chase Bank had no requirement to discuss it. 

I called Chase Bank 7 more times within the next 24 hours, and I received the same curt canned response each time. Surprisingly, my personal checking account, personal savings account, and XXXX Chase credit cards were unaffected by this rogue action. Chase Bank refused to explain why just my joint account was abruptly closed without notice. 

I learned of the joint account closure when I attempted to transfer cash into the account, using Chase Banks website. I received no descriptive error, only that the transfer failed. I was informed of the account closure when I called Chase Bank to inquire about the account transfer failure. 

This egregious action by Chase Bank has caused an immediate financial hardship, as I have preauthorized numerous merchants to deduct various monthly amounts for household expenses, everything from my mortgage, auto insurance, utility bills, internet and TV cable, etc. 80 % of these household expense merchants attempted to debit this closed joint account between the dates XXXX/24-XXXX/24. The remaining 20 % of the household expense merchants will attempt to debit this account between XXXX/24XXXX/24. 

To date I have been charged over a XXXX dollars in late fees. And its only been 2 days since the abrupt account closure. 

I request assistance from the CFPB to file sanctions and penalties against Chase Bank for this unprofessional conduct regarding my joint checking account closure. 

Additionally, I request assistance from the CFPB in the recovery of late fees directly resulting from the unprofessional conduct. 

I reserve my right to sue Chase Bank for recovery of any fees that can not be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO TRANSUNION XXXX  AND XXXX  WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. XXXX  REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXX XXXX XXXX  and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Experian has refused to block the items in my credit report that are directly linked to XXXX XXXX. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute three times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please only respond with email or phone call ) XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I relocated out of state for a new job. I had difficulty selling my home and I could no longer afford to pay both rent and a mortgage. 

I contacted my lender, Bank of America, and arranged a short sale of my home. The short sale sold and closed in XXXX. 

In XXXX I was able to buy another home-there was nothing on my credit report that indicated a late payment or a short sale. 

In XXXX, late payment and short sale information appeared on my credit report. I tried to fix the dates with B of A but they only responded with rude letter about how they were only responsible for reporting late payments, and not inaccuracies. 

In XXXX, I tried to refinance my current home. Everything was going smoothly until my credit showed that the short sale was completed in XXXX four years after my home sold and closed. 

This inaccurate information is keeping me from refinancing my current home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my 3rd attempt to dispute the information in my credit file which resulted from an erroneous credit information : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} - previously Late/Closed -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} - Previously Late/Closed, Late/Opened XXXX XX/XX/XXXX -- -- -- -- -- -TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an FTC report. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Equifax Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Equifax has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Equifax should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.