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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Capital One has experience some kind of outage. Me along with XXXX other Americans have not been paid. We are being told to wait meanwhile, our bills are just accumulating resulting in late fees. The lack of communication from Capital One to their customers is improper. 

I have also contacted my workplace and asked for a paper check instead. I have been informed the capital one has accepted the check so with them doing that I have no option but to wait for them to release my funds whenever they decide.
Product: Checking or savings account

Since the recent XXXX XXXX XXXX security breach, during which my full name, address, phone number, e-mail address, social security number and date of birth were all stolen and made available on the dark web, I have asked SoFi to add additional security verification questions to my account. Specifically, Ive asked SoFi to require a one-time passcode or a verbal password, or to identify me by voice ( using a voice verification system ) on initial contact every time I call into SoFi for account inquiries or servicing. However, SoFi was not able to add any of these additional verification steps to my accounts, and is instead using the information that was stolen in XXXX XXXX XXXX breach ( last XXXX digits of SSN, date of birth, address, e-mail address ) to authenticate me when I call in. As a result, I no longer feel safe that some fraudster would not call into SoFi with my stolen identification information to inquire on and transact on my SoFi accounts.
Product: Credit card or prepaid card

I need the closed accounts removed from my credit report, I also need to remove past inquiries according to The Fair Credit Reporting Act I did not give consent to the agency to use my information, I also need old phone numbers and addresses that are no longer relevant 620. Unauthorized disclosures by officers or employees [ 15 U.S.C. 1681r ], with respect to section 1785.25 ( a ) of the California Civil Code ( as in effect on the date of enactment of the Consumer Credit Reporting Reform Act of 1996 )
Product: Mortgage

I was searching to refinance my home loan in the month of  XXXX  with several lenders over the phone. I was asking each and every lender what my new monthly payments would be based on a 30 year fixed rate  XXXX  points on our balance we owed. The quote that I received from a sales manager  XXXX   XXXX  NMLS #  XXXX  from Contour Mortgage attracted me since he stated clearly to me over the phone that my new monthly payments would be $  XXXX /month a savings to us of $  XXXX /month. I decided after comparing quotes I received from the other lenders to go with  Contour  Mortgage. I spent {$450.00} on an appraisal, over {$100.00} to fax documents from a  XXXX   XXXX  and {$35.00} to cancel a check on account of this loan only to learn near closing that our new monthly payments were actually going to be $  XXXX ./month and not $  XXXX ./month as he told me when I made my decision to pick his company. I emailed the branch manager  XXXX   XXXX  NMLS  #  XXXX  on    XXXX   XXXX  2017  and told him that I was misled by his dishonest sales  manager   XXXX   XXXX  and was seeking a refund of my money spent on this loan.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have not opened either of these accounts. I have attached and FTC report with further details. I have already completed an identity theft report.
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 XXXX XXXX : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX : # XXXX {$1100.00XXXX XXXX XXXX XXXXI : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00XXXX XXXX XXXX XXXX # XXXX {$110.00} 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 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

Im accordance with the fair credit Reporting act XXXX Account number # XXXX XXXX  XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX has violated my right 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.
Product: Credit card or prepaid card

I paid off my credit card in full and they charged me interest after the fact. Not only that they withdrew money from my account for the minimum payment and then deducted money for interest after I paid off my credit card And would not refund my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the blocking and removal of accounts and inquiries linked to fraudulent activities as a result of this breach. 
Below are the details of the accounts and inquiries that I request be blocked and deleted from my credit report : Accounts : XXXX. XXXX  XXXX Bankruptcy Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Bankruptcy Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$61000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX FCU Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$19000.00} XXXX XXXX  XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$220.00} XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX.XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX
Product: Debt collection

Calls all hours of the day from XXXX to XXXX from an unknown phone phone number asking for my bank account info. I asked her to call back on a line that I could connect to an actual company. She told me to call back with m bank info when i tried to explain I could not call back she called claiming to be whoever from a blocked line she told me the calls would increase and they have. Why would I give me card or bank info to someone I dont know. I am one payment behind and already caught it up they say they are calling 10 times a day to remind me. 
Told her last night I just made my payment I have had 8 calls already again today
Product: Credit reporting or other personal consumer reports

I called Eqiufax to get my credit report on XX/XX/2023, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that XXXX is violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

FBC has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to remove inaccurate, incomplete, and unverifiable information from my credit report, despite multiple disputes. The Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ) requires that credit reporting agencies delete information that is inaccurate or can not be verified, rather than updating or modifying it. 

However, I have disputed the same inaccurate information multiple times, yet the credit bureaus have failed to comply with the law and continue to report false data on my credit file. 

The account in question is XXXX Account, which has been inaccurately reported across all three credit bureaus. 

I have submitted multiple disputes over the past several months requesting that the inaccurate and unverifiable information be removed permanently, but each bureau has failed to take appropriate action. 
The errors in reporting include inconsistent account opening dates, incorrect credit limits, different charge-off dates, conflicting payment histories, and discrepancies in reporting status ( charge-off vs. collection ). 
Under FCRA 1681e ( b ), credit bureaus are required to maintain accurate and consistent records, but they have failed to meet this obligation.

Under FCRA 1681s-2 ( b ), the bureaus and the data furnisher ( XXXX ) are legally required to ensure that the reported information is 100 % accurate and verifiable, yet they have failed to do so. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), if any information can not be verified, it must be permanently deletednot corrected or updated. The credit bureaus have violated this by continuing to report inaccurate data instead of removing it as required by law.

Despite my multiple dispute attempts, the credit bureaus have continued to ignore my consumer rights under the FCRA Legal Violations Committed by the Credit Bureaus : - Violation of FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

- Violation of FCRA 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

- Violation of FCRA 1681s-2 ( b ) : Failure of the credit bureaus to properly investigate and verify information provided by the data furnisher.

- Violation of My Consumer Rights : The bureaus are knowingly allowing inaccurate and inconsistent information to remain on my report, causing financial harm and preventing me from accessing credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

XXXX  My third time calling requested to have my card limit closed. They refused said the only option is to lower my limit. Representative never got me to a supervisor after requesting multiple times to apes know to a supervisor. I will never use this card interest rate is too high I 'm a senior citizen and fear risk. Please have them close this credit limit. The representative told me several times my credit card is closed and my balance is  XXXX  but refused to close credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Westlake Financial reported a late payment on my credit when their online payment system showed that there was no payment due. I had paid a large lump sum of payments in advance that covered several months, but their system showed that no payment was due for that last month of XX/XX/XXXX but yet I still got a 30 days late payment reported. 

I called and told them that their system showed me otherwise and also asked even if I was showed to be running late on their end why wasn't I contacted in any way. They said I was added to their no-call list and I said I gave no authorization to be added to that. All the woman said was that " I somehow must have told someone " yes '' to be added to it '' But I have never spoken to them over the phone since I had started my loan in XXXX. I asked for proof of when I asked to be added to the list and it could not be provided. Nor could they explain why their system showed me otherwise, all the woman said was that " I should have been aware '' They refused to take any responsibility for their shortcoming and I had to unfairly pay the price for something avoidable.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX. The current status should not be showing late because I paid it on time. Experian Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4800.00}
Product: Debt collection

Kohls collection department calls me every single day of the week, every XXXX minutes. I block the numbers, they call from new ones. EVERY. XXXX. MINUTES. 
They call from several different numbers and I know it is them because they leave voicemails each time. I have a full voice inbox every single day. That's XXXX voice-mails. I clear them, I have XXXX more the next day. ( XXXX is the XXXX amount of voice-mails my phone holds ) I have missed calls from doctors that couldn't leave me voice-mails because of this. It's absurd and it's been going on for 6 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry on XX/XX/2020, was made by JPMCB Card Services. Please delete this inquiry because the two year time limit for reporting an inquiry has expired.
Product: Mortgage

I have already signed up to opt out of prescreened offers over a year ago, and I am still receiving scammy sounding offers from Independence Home Loans. we have called them multiple times requesting that they stop, yet every time, it just turns into an argument with the rude advisors. they are not honoring our requests to stop. Their information is as follows : Independence Home Loans XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX XXXX
Product: Checking or savings account

HSBC BANK HAS UNEXPECTEDLY CLOSED XXXX XXXX 'S PREMIER CHECKING ACCOUNT DURING A NATIONAL EMERGENCY AND IS CURRENTLY WITHHOLDING HER NEEDED FUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Vehicle loan or lease

In XX/XX/2022, I went to PNC Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX  and asked for the current interest rate for a lease buyout. After the banker, XXXX asked me a few questions about the vehicle and terms, I was given a range with a base interest rate of 5.44 %. I also asked how the debt-to-income would be calculated and specifically asked if the outstanding balance on my credit card that I pay off in full each month would be a factor. I was told as long as I pay off the balance each month in full, it would not affect the debt-to-income calculation. After being satisfied with the base interest rate and debt-to-income calculation explanation, I allowed the banker to run my credit. After a couple days, the banker called and told me I was approved for a rate of 6.24 %. I then inquired why it was not at or close to the rate of 5.44 %. I was told it was due to my risk factor. I was told in order to qualify for 5.44 %, I would have to be at a risk factor of XXXX and I came in at a risk factor of 1. I then asked how much does the interest rate increase as the risk factor increases. I was told that the interest rate increases by .5 % for a risk factor of 1. This prompted me to ask why wasn't the offered interest rate at 5.94 % ( XXXX ). I was then told that the base rate was 5.69 % and not 5.44 %. I then stated, well if that's the case, then why was the rate not 6.19 % ( XXXX ). The banker then stated that underwriting determined the rates and he would put in a complaint requesting that the rate of 5.94 % be honored because he gave me incorrect information regarding the interest rate and how the debt-to-income ratio was calculated. After the banker put in a total of three complaints within various departments within the financial system and 1.5 months later, all complaints were denied. Ultimately, I was told that they will talk to the banker to make sure he doesnt provide customers with inaccurate information moving forward. Had I been given an accurate interest rate initially, I wouldnt have allowed PNC to run my credit which ultimately decreased my credit score. I would have allowed the financial institution with the lowest base interest rate to run my credit. I would also have paid off my credit cards and waited multiple months with a balance of zero prior to allowing them to run my credit to better my debt-to-income ratio, if I had been given accurate information as to how the debt-to-income ratio was calculated. Due to the inaccuracy of these critical pieces of information, PNC has caused me to be put in a position of paying more over the life of a loan resulting in additional undue debt.