23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I was scammed by a fraud email from XXXX stating I sent money to XXXX XXXX for {$350.00}. XXXX is the tranfer account I used with my Wells Fargo Banking. 
The representve stated his name was XXXX XXXX, email address XXXX and to call tool free Customer Support XXXX ( XXXX ) XXXX. 
He also gave me his call back # XXXX should the line drop and His ID # XXXX. 
Lead me to open my computer to cancel this transaction which ended up in a wire transfer of {$24000.00}. As soon as I saw this on my account as pending I notifed Wells Fargo and they locked my banking accoutns so I was also locked out for a week. 
I found out later the wire transfer went through. Wells fargo was unable to stop it and sent me a letter stating my respondsiblity and they could not refund the wire transfer. 
I can set doucuments later of the email, Wells Fargo denile letter, and bank statement showing pending transaction of {$24000.00}. I feel they did not react soon enough. 
I am the POA on this accout.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
1.XXXX XXXX XXXX & XXXX 2XXXX, XXXX & XXXX ( XXXX XXXX NO ACCOUNT NUMBER 3.XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report.

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

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX of michigan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address TransUnion ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
XXXX : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I sent two letters to Capital One disputes ( since the address I received from customer service was different than the one I saw online ) to ensure they received my letter. USPS tracking made me aware that both letters were received on XX/XX/XXXX. The letter was written after multiple attempts to resolve the issue over the phone were unsuccessful. I sent the letter because of numerous billing errors that have led to my car being wrongfully repossessed on XX/XX/XXXX and inaccurate reporting to the credit agencies, and that has caused me to be in loan repayment longer ( and causing me to pay more on my loan inaccurately ). I have received no knowledgeable explanation for my disputes through COAF customer support and have continued bills with increased overdue amounts after having made a payment through a payment plan and have had miscellaneous charges on my account ( when I called to inquire about the additional costs, I was told they were additional repossession charges ) So ; I began to look into my account. The following is from the letter I sent. 

A growing concern regarding the accuracy of my account began after receiving multiple statements with an additional charge of {$330.00} under " other fees, '' invoices with past due balances after completing a payment arrangement, and significant variations in interest charges. After reviewing my account, I believe that my current and past-due balances on my account are inaccurate due to the following billing errors : 1. Inaccurate and increased monthly payment charge 2. Inaccurate and increased interest charges 3. Erroneous additional charges 4. Payments unaccounted for Nearly a week after COAF received my letters, they are continuing collections attempts after receiving my dispute on the current balance on my account and the past due balances. I am now filing my complaint with CFPB to help escalate my issue.
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 or prepaid card

I had the chase card for approx. a year and a half. Since having the card I had never missed a payment. I had some charges on my account and I was trying to get this resolved from Chase. They automatically cancelled my card and never reissued me a new one because they said I never tried to get it resolved. Every time I has an issue with the Chase card I had to call them and They would never call me ... They told me that they send to a letter in the mail in regards to the disputes. I never got it and I called them asking to please resend the letter ... They never did. They have ruined my Credit score. My score were in the 700 's and now its 500. I filed a police report in regards to  these charges. THEY DO NOW CARE AND they continue to report lates fee 's to all three credits departments. 

PLEASE HELP ME GET THIS RESOLVED ALSO XXXX XXXX is reporting a loss a debt card.. How is this possible.. I tried to get this resolved however the banker misspelled my name on the account and Debt Card. So when I went to address this issue they would not talk to me because my license didn't match the name on the account
Product: Credit card

I was approved for a ( double cash back credit card ) by Citibank on XXXX, 2024. Ive spoken with a Citibank representative Two times and was told there was a delay. On the second attempt I was rewarded points for my patience, that in itself should prove Ive been waiting too long. Today XXXX I am attempting to make my third attempt on getting my Credit Card I was approved for. My Credit Score was not put on the line for no reason. I will be speaking with a lawyer if this is not resolved within next 7-21 businesses days.
Product: Checking or savings account

I was scammed by a person who has a business and help people get approved for apartments and housing if you credit is bad, she has awhole little app she advertises her work on and has a XXXX XXXX business account, long story short she scammed me out of XXXX for an apartment package, chime refused to give me my money back after i sent tons and tons of proof, chime wrote me and said my claim was denied and they would gladly send me information on how they came up with this determination, that was on XXXX they told me 10 days, then i wrote on XX/XX/31 they told me 10 more days but ignored my first few emails, i wrote again because they said 10 more days no later then XX/XX/XXXX, i emailed again and im being ignored, i believe chime doesnt have a reason on why they denied my claim because they have yet to show proof on why my claim was denied and i showed an substantial amount of proof of goods and services not being received
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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 # Acct # XXXX -tracking # XXXX XXXX XXXX XXXX  # XXXX tracking # XXXX XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  ACCT # XXXX tracking # XXXX XXXX XXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) states that 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.

I have attached proof of the letters I have sent out to the bureaus for your records.

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner.

Thank you for your attention to this matter.
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 : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX MID XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX UNKNOWN : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX : Account # : XXXX has violated my rights. Or 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

On XX/XX/22 I called Care Credit to ask them information regarding what they offer. Before speaking to me they require I gave them my name, address and a few other details. After some questions I was short on time and decided to call back later. Before calling back I got a notification from my credit card XXXX who monitors my credit. XXXX let me know I had a new inquire on my report. After looking into it I see care credit ran my credit without my approval, permission, acknowledgment or asking me/telling me whatsoever. Had I know this would happen from a short 5 minute phone call for more information I would not have. 
I tried to call back numerous times but they wanted information from me every time I tried to call, I was scared they would run my credit again. After a few calls with them and synchrony bank - who they work threw I was told I was out of luck and theres absolutely nothing they can do on their end. I feel this is not fair or legal and should not be able to run unauthorized reports like this. This is a hard inquire on my credit I never approved for. After speaking with a family member Ive found out they had this happen to them with the same company years ago as well ( though they didnt report it at the time ). Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX  XXXXXXXXXXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX  # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received several annoying phone calls from Stuart-Lippman and Associates , Inc. On XX/XX/2022 at XXXX XXXX XXXX called this company to enquire about the annoying calls that I was receiving, I spoke to XXXX, who refused to give me her last name, but connected me to XXXX, whose last name sounds something like XXXX. I explained to her that their company was making mistake and Oh my XXXX, she took off on me like a pitt bull. I was extremely surprised because I never knew that a customer service representative could be so abusive to someone on the other line the way she was talking to me it ridiculous. This representative claims I owe XXXX which I do not know about. Then I visited the credit bureau and saw the XXXX plus XXXX. Now that's vindictive. Consumer Finance how could a company operate like with such anger to someone on the other line. How could they abuse their authority like that. I had called to inquire about the erroneous debt that I was being accused of owning and that's what I encountered. This company Stuart-Lippman and Associates is very malicious and inhumane. I never heard about this company before now and after this I would not want to hear from them again. I don't have a contract with them how could they have the audacity to boldly destroy someone's credit just like that. My only debt is my student loans. I would like this company to be reprimanded to the highest degree. They treated people like animals and that's not right. So after XXXX XXXX disrespected, then she asked if I was going to pay up I said no. Then she hung up the phone in my face. At XXXX I called again and spoke to XXXX and requested to speak to a supervisor, she the transfered me into someone's voice mail. Please investigate their aggressive and abusive behavior towards the public, it's obnoxious and distasteful and should be stopped immediately. They are destroying innocent peoples ' life who is trying to make it in society. Thank you.
Product: Checking or savings account

I was an Wells Fargo bank account holder they closed my account at the end of 2022 so to over draft fees
Product: Credit card

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.