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

On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through Trans Union. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a TransUnion Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
Product: Bank account or service

This matter has to do with PayPal. I have sold goods and I used PayPal to get paid and now PayPal wants to hold my money for 6 months with no cause. Paypal sent me an email requesting further information before the money would be released to me. They asked for an invoice of the goods, tracking information with weights and dimensions and my state issued drivers license. I provided all of the information the same day. Soon after they said they wanted me to pay on an old debt that my dad owes. Why would I have to pay for this?? He 's his own person and legally it 's his debt not mine. I 'm only XXXX years old and live at home with my parents and because the address is the same they want to pin my fathers debt on me. Makes absolutely no sense what so ever. I am not legally obligated and PayPal is holding my money hostage again I 'm sure not legal. My customer is happy with his products and it has been now 3 months.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a best buy credit card issued by Citi Bank with a current balance coming due XX/XX/year>. The balance is {$640.00} and if not paid they will charge me {$340.00} in interest. Any other credit card or line of credit with this features always puts the extra amount paid onto the promotional balance. Per customer service at Best Buy only payments within the 60 days of the expiring promotional balance will be applied after satisfying the minimum due but you have to call to transfer that payment to that balance even within the 60 day time frame. My husband has the same card and when paying extra it went automatically to the promotional balance first without a phone call and without it being the 60 day stipulation time period. As a consumer, this sounds like credit card fraud towards the consumer. I've used this feature with Macy 's credit card and Pay Pal Credit and never did I have to tell them to apply the extra payments nor was I restricted to the 60 day time period. How can Citi Bank not follow these same rules? There should be some time of regulation on Banks who issue credit card and offer these types of promotions.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 XXXX 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

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Below are the details of the disputed account : Account Name and Account Number : XXXXXXXX XXXX - XXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I received a letter from US Bank dated XX/XX/XXXX thanking me for applying for a Platinum Credit Card account. It also states that the consumer credit reporting agency has indicated that I have put a security freeze on my credit file and they are unable to obtain information from the consumer reporting agencies. It states that it is important that they receive this information within 15 days from the date of the letter in order to continue processing my application.

I never applied for a credit card with US Bank so I called US Bank on XX/XX/XXXX ( XXXX ) and spoke with an agent. I explained that I did not apply for a credit card and asked why I received this letter. They input my information in their system and said there was nothing indicating that an application in my name was in process so there was nothing more they could do. 

I then called XXXX and spoke with an agent who said that someone must have my SSN in order to submit an application. I then placed a fraud alert on my credit file.
Product: Debt collection

My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas
Product: Debt collection

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}
Product: Credit reporting

My name is XXXX. I would like to file a complaint against Experian Credit Bureau. They are listing XXXX fraudulent addresses on my credit report. I have never lived at these places. I have written Experian 2 separate times, informed them these were fraudulent addresses and asked I them to remove them. They will not remove these XXXX fraudulent addresses. Experian Credit Bureau is listing XXXX misspellings of my name. I have written Experian 2 separate times, informed them these were fraudulent misspellings of my name and I asked them to remove them. They will not remove these XXXX fraudulent misspellings of my name. Experian Credit Bureau is listing somebody else social security number on my credit report. I have written Experian 2 separate times, informed them this was not my social security number and I asked them to remove it. Experian will not remove this other person social security number off my credit report. 
Below is the Fraudulent and Erroneous Information Experian Credit Bureau is listing on my credit report. 
Fraudulent and Erroneous Names : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX My name is XXXX XXXX, all of the above fraudulent names need to be removed from my credit report. 
Fraudulent and Erroneous Addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 2. XXXX XXXX XXXX, XXXX NC XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 4.XXXX XXXX XXXX XXXX , XXXX NC XXXX 5. XXXX XXXX XXXX, XXXX XXXX NC XXXX 6. XXXX XXXX XXXX, XXXX NC XXXX 7. XXXX XXXX XXXX, XXXX NC XXXX 8. XXXX XXXX XXXX , XXXX XXXX NC XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. Those other address are fraudulent and do n't belong to me. Also on the enclosed Experian credit report from XX/XX/2017. Experian lists address identification numbers that shows which address belongs to an account on your credit report. None of these fraudulent addresses are attached to any of my accounts. Please make them remove these fraudulent addresses. 
Fraudulent and Erroneous Social Security Number : 1. XXXX. Experian needs to remove this person social security number off my credit report. My social security number ends in XXXX. 

As you see I really need from your help. Experian is listing tons of erroneous and fraudulent information on my credit report. Please make them remove this mess. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is XXXX XXXX XXXX XXXX XXXXXXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : TransUnion : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX MO - XX/XX/XXXX XXXX. XXXX MO - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX04, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax 's failure to A. Protect my financial information and B. Fail to disclose their failure in a timely manner, according to their website I may have been affected by their data breach. I did have to close my bank account in XX/XX/XXXX as a result of unrecognized charges, and then proceeded to place a fraud alert on my credit information with Equifax. While I can not definitively point to their data breech being the cause of my bank account being compromised, had I been made aware of their failure, I could have taken protective measures much sooner.
Product: Vehicle loan or lease

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$8500.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Experian on day XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX  XXXX XXXX # XXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly deleted that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer EXPERIAN .

And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os supposed to happen ( A ) Reporting information with actual knowledge of errors. 
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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case.
Product: Mortgage

Bank of America has had a loan on a property of mine in Nebraska. I purchased a home for my sister to live in. The loan was with Country wide for years and then was moved to BOA when they purchased the company. A few months ago I received a notice that my payment was late. After looking into it I noticed that the payment amount had changed due to my escrow but because the statment didn't look any different I missed that it had changed. I called BOA and talk with a lady about it and we agreed that I would make the payment difference on my next payment because I was going to make it in the next couple days. I did that and when BOA got the payment they put the funds in unapplied funds and did not put it on the loan as the rep had told me that she would. When I made the next payment they reversed the payment and have done so every time that I have made a payment. I am trying to do a refinance on the loan and the bank is showing me late so the credit union that is redoing the loan is now wanting to not do the loan because I am showing that I am late when I am not. I have called BOA now 8 times and have spent an hour each time. The reps from BOA have admited that they had a system change and they are 90 day behind in processing all of thier customers corrections. My loan number is XXXX, I should show a payment was due on XX/XX/2020 but with the three payments backed of my app and the OLB shows me due for XX/XX/2020. I have received overnighted materials to apply for payment plans and received emails & Calls from debt collectors on this. Wy refinance of this loan was suposed to closeon Friday the XXXX and my credit union now may decline the loan. I am concerned that BOA is up to its old tricks and is not applying payments for some reason and keeping it a secret for some financial gain.
Product: Debt collection

Hello, the insurance company XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX sent my information to the CCS Credit Collections company against my consumer rights and effecting my credit worthiness after speaking with them about receiving an extension to pay the balance of XXXX that the company agreed with extended time for the balance to be paid. The balance was in fact paid and sent to CCS Credit Collections company without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}
Product: Debt collection

On XX/XX/18 XXXX XXXX repossessed my vehicle. During the course of the recovery the agent violated SC breach of peace laws and was reported to Bridgecrest. The agent also failed to produce repossession documents as well. Bridgecrest was contacted regarding this attempt and was asked to produce the repo affidavit, copy of title, right to cure and repossession order. This was requested both verbally, in email and from an FOIA request. They referred me to the agent. I contacted the agent to inquire about their surety bond information and insurance. The agent refused to release the info and referred me back to Bridgecrest. Bridgecrest fails to suppy the requested information so I can pursue my claim against them and the agent contracted by them. Bridgecrest also has submitted false facts to the SC Dept of Consumer Affairs regarding their stance on the ongoing situation. Bridgecrest was notified on XX/XX/XXXX that my debt was disputed and they should cease collection activities until investigated completely. They refused this and repossessed the vehicle. I am disputing interest applied on my account, incoreect application of payment, past due amount and total amount due. Bridgecrest continues to charge daily interest even though the car isn't in my possession. They also have failed to produce the state required 10 day letter as well as my personal belongings. Their shady practices and their agents should be investigated.