23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 an order was placed for a XXXX XXXX XXXX XXXX XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to Bank of America.
Product: Mortgage

I was approved for a modification in XX/XX/XXXX and have made all my payments on time. I got married after I got the mortgage so the name on the modification forms were incorrect and the notary the mortgage company would not notarize them. I had sent in all the documents to have them change my name on the loan, several times. As time passed I called several times asking for the corrected documents but never received them. Now the mortgage company is saying my modification was not approved and put my home back into foreclosure with a sale date of XX/XX/XXXX. The mortgage company told me last week to have a friend to notarize the documents with my maiden name and send them in and they will TRY to process them. Is there anything I can do at this time to stop the foreclosure. All my modification payments from XX/XX/XXXX to now have be paid.
Product: Credit card or prepaid card

after wallet was stolen on XX/XX/2019. i called all credit card companies including bank of america in order to avoid any fraud taking place on my accounts. once new cards were issues i requested for a security code to be placed on my account. with a security passcode on my account bank of america still accepted payment over the phone not done by me and had it reversed 2 times. after the first one occurred i called bank of america to advise of the activity and they did in fact state it was fraud yet days later accepted another one. now my account is closed due to their breach of security and inconsistent concern of my privacy. due to their negligence not only is my account closed but they are not re opening the account either because of those payments that they accepted.
Product: Debt collection

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it with my signature. 
Look on my credit report for the last day of activity and date reported, they are violating my rights I have attached a copy of how it is reporting to all 3 bureaus and it is not accurate across all 3 bureaus and the statute of limitations in 3 years in my state, they don't have rights to collect any debt
Product: Vehicle loan or lease

On XX/XX/2020 I called Westlake Financial to request a Loan Extension, Forbearance, or Deferment due to financial hardship from COVID-19. I was informed by the company that based on my specific account I do not qualify. I was not given any reasons why even though I have never missed a payment of {$200.00} since the inception of the loan. 

I have spoken to 3 customer service persons at the company and was told that when I get my stimulus check I should pay them. I have since filed a complaint with the XXXX XXXX XXXX, as well as sent an email to the CEO, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their inadequate investigation of discrepancies in my credit report concerning my account with XXXX XXXX. Despite my request for a thorough investigation to ensure the accuracy of the information reported, the results have been inconsistent and erroneous, causing significant harm to my credit. 

In my communication with the credit bureaus, I specifically requested an investigation into the account listed on my credit report from XXXX XXXX. The responses I received were inadequate and failed to address the discrepancies, as follows : Experian : The account is reported as 180 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as 120 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as at least 120 days past due, with the last activity date as XX/XX/XXXX. 
These discrepancies are clear evidence that the credit bureaus did not conduct a proper investigation. Instead, it appears they merely took the creditor 's word without verifying the accuracy of the reported information. This negligence is a severe breach of their responsibility to ensure the accuracy and integrity of my credit report.

The inconsistent payment statuses and varying dates of last activity among the credit bureaus are unacceptable. There should be one source of truth, and a genuine investigation would have rectified these inconsistencies. Their failure to conduct an actual investigation has resulted in substantial damage to my creditworthiness.
Product: Checking or savings account

I want to use my XXXX  APP to link my PNC account, but PNC prevents linking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, Iam a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because. According to 15 USC 1681 ; I have the rights to privacy and I did not give XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Be removed under this law
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2022 ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Product: Credit card or prepaid card

XXXX XXXX is taking money off of my csh app card and I didn't authorize it at all!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information being reported to the credit bureaus regarding the XXXX XXXX Account Number : XXXX According to my records, the information you have reported is incorrect, and I request that it be corrected or removed. 

The following is the incorrect information on my account. The account the was originally charged off XX/XX/year> following 2 payments, then charged off again every single month following. There are many discrepancies and this is illegally reaging a debt that was written off.

Please be advised that under 15 U.S.C. 1692c, I am entitled to have accurate information reported, and I am formally disputing the inaccuracies on this account. I request that you conduct a re-investigation into this matter, and I ask that you provide the following : 1. A detailed explanation of the incorrect information reported.

2. The documentation you have to support your claim that the information is accurate.

3. If applicable, correction of the inaccurate information on my credit report.

If the information can not be verified, I request that it be removed from my credit report in accordance with 15 U.S.C. 1692e, which prohibits false or misleading representations.

If this dispute is not resolved in a timely and satisfactory manner, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any legal remedies available to me.

Please provide written confirmation of the resolution of this matter, and notify me once the inaccurate information has been corrected.

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Due to Tropical Storm Ida, our leased car flooded and insurance declared it a total loss. We proceeded to contact Hyundai and they gave us the runaround on the payoff amount even though the insurance kept asking for it. I was able to have a three way call with them where they stated the payoff amount was around XXXX. Insurance sent them a check for over XXXX. They received said check. We were told the moment we reported the loss that we no longer had to make additional payments ( we have it recorded ). Our account has been placed on delinquent status. On top of that we have called 3 times today and each time we get a different excuse. First, oh its only been 6 days, it takes longer than that. Second, well the processing department is being slow. Third, well gap insurance needs to be filed ( makes absolutely no sense given the fact that they were paid more than what the number they gave was ). Lastly, oh insurance didn't send some paperwork we need ( however, when pressed they stated they had not contacted insurance and they sure as heck have not contacted us to let us know ). So which is it? At the end of the day, they are either trying to steal our money ( any amount higher than what they stated needs to be refunded to us ) or they are just the worst company ever. Their elusive total loss department can not be contacted. Our account is delinquent and they refuse to fix it. They refuse to fix the issues and it is having an impact on our credit which is unacceptable. We want this resolved and we want it resolved now. There is no reason why this needs to be so hard. There is no reason I should be dealing with this 10 days post partum. Hyundai Motor Finance is preying on people and they need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION XXXX {$1900.00} COLLECTION XXXX {$720.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Case Number : XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX XXXX XXXX XXXX Account XXXX XXXX Despite my previous disputes and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you continue to report unverifiable information. Your claim of electronic verification is not sufficient under the law, as no physical documentation from the original creditors has been provided to substantiate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being i have right under 15 USC 1681.

Equifax is govern by the 15 usc 1681. and they violated my right numerous of times I demand the account listed below to be removed because according to the 15 usc 1681 : i have the right to privacy and i did not give Equifax written permission the furnish these accounts accounts : XXXXXXXX XXXXXXXX XXXX XXXX Balance {$7000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Total balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX  Balance {$930.00} Balance updated - XXXX XXXX XXXX 
Original creditor XXXX XXXX Balance {$810.00} Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$280.00} Balance updated XX/XX/XXXX 13inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies namely -- - XXXX, XXXX, XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Checking or savings account

Wells Fargo enrolled me in a 60 month certificate of deposit in XXXX. I have been trying to close this account since last year. I got laid off from full-time work XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I opened Wells Fargo complaint number XXXX at a local WF branch because there is an early distribution fee for a financial product I do not want or need. I have been a long-time Wells customer but as of XXXX XX/XX/XXXX the WF Enterprise Complaints Management Office was unwilling to waive the early distribution fee. Please contact me if you need additional information. I appreciate your help and look forward to being in touch.
Product: Debt collection

This company is violating my FDCPA federal rights by engaging in deceptive representation and deceptive means to which this company is Doing with there pre-generated answers to my complaint in an attempt to continue to violate and circumvent the FCRA and FDCPA with these prefabricated responses but still ignoring consumers rights.these responses are fabricated because I have file several complaints with the consumer financial protection board and the Better Business Bureau. I have yet to this day to receive any correspondence from this company ever. This is Deceptive representation and means to the fullest.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Customer Service, I am writing to dispute several credit inquiries listed on my credit report. The details of the inquiries in question are as follows : XXXX XXXX - XX/XX/year>2023 XXXX XXXX XXXX- XX/XX/year>2023 XXXX  XXXX Bank - XXXX XXXX, 2023 XXXX - XX/XX/year>2023 Destiny - XX/XX/year>2023 Legal Basis for Dispute Authorization of Inquiries ( 15 U.S.C. 1681b ) : According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer report may only be furnished for certain permissible purposes, and an inquiry may only be made with the consumer 's authorization. I dispute the accuracy of these inquiries and question whether they were made with my authorization. If these inquiries were not authorized by me, they should be removed from my credit report. 

Investigation of Disputes ( 15 U.S.C. 1681i ( 7 ) ) : Under 15 U.S.C. 1681i ( 7 ), if the accuracy of an inquiry is disputed, the credit reporting agency must conduct a reasonable investigation and correct any inaccuracies. I request that you conduct an investigation into these inquiries and ensure that any unauthorized or incorrect inquiries are removed from my credit report. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : Additionally, the CFPB regulations require credit reporting agencies to ensure the accuracy and integrity of the information they report. Inaccurate or unauthorized inquiries can negatively impact my credit profile, and it is crucial that these regulations are followed to maintain the accuracy of my credit report.
Product: Credit reporting

XXXX   is reporting a collection from  XXXX  #  XXXX , shows the original creditor as  XXXX   XXXX   .  I have not has  XXXX   XXXX  in over  10  yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXXXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiry CB Indigo Company Name : CB Indigo Date of Inquiry : XX/XX/year> I am writing to dispute a hard credit inquiry on my credit report made by CB Indigo on XX/XX/year>, in connection with my application for an IndigoMastercard account. According to CB Indigos website, there should be no impact to my credit if my application is not approved. However, despite my application being denied, the inquiry remains on my credit report and is negatively affecting my credit score. This is very misleading! 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must be made for permissible purposes ( 15 U.S.C. 1681b ). As the application was denied, I believe this inquiry was not conducted in compliance with the FCRA. 

I request that this hard inquiry be removed from my credit report, as I do not believe it was made for a legitimate credit transaction and should not be there. 

In addition to the removal of the inquiry, I am seeking monetary relief for the financial harm caused by this unauthorized inquiry. Under the FCRA, consumers are entitled to actual damages, including any out-of-pocket expenses or loss caused by improper access to their credit information ( 15 U.S.C. 1681n ). The inquiry has caused significant damage to my credit score, resulting in denials on loans and credit applications that I have applied for since then. This has directly led to additional financial costs, and I am requesting compensation for these damages. 

Supporting Details : Company Name : CB Indigo Inquiry Date : XX/XX/year> Consumer Name : XXXX XXXX Please investigate this matter, assist with removing the inquiry from my credit report, and provide appropriate monetary relief for the harm caused under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this issue.
Product: Credit card

I have been fighting with Synchrony Bank with credit card accounts they said I open on line. When I asked them to please validate that information all they show me are bills with my name attached to them an a online application with my social and address but not the correct phone number. Also what I told them is when I apply for credit I always either use my middle name or middle initial because within XXXX miles of where I live there are several individuals with the same name as myself. The company refuse to remove anything and has me liable for those accounts, however I receive in the mail today a letter from them saying they will delete the credit inquiry that I never made from my credit file. What can I do to get not just the credit inquiry removed but the unauthorized accounts in my name removed also?