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

Several demands over the past XXXX  and you are still reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer.

Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY CONNS Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX, XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

My rights are being violated by Portfolio Recovery. I have no Idea who they are and why they claim I owe something. I have never had a contract with them and I am also a victim of idenity theft. I need more information as where this came from and I need to know is Portfolio a for profit company, i need to know do they pay taxes and I need to see a copy of my original documents including a copy of my drivers license. I need to see a full disclosure of the alleged account. I am excersing the privacy act of 1974. public law 93-579 as codified at 5U.S.C. 552A 08 XXXX XXXX  - information shows as not reported .I believe this is a scam
Product: Credit reporting or other personal consumer reports

There's an inquiry on my XXXX credit report from cbna. I'm unaware of the giving cbna permission to pull my credit report. I have asked XXXX to provide me with the original documentation that was used to consent a credit pull. This inquire is stopping me from getting credit and loans for personal and business.
Product: Checking or savings account

I originally maintained a Capital One 360 Money Market account which was paying a competitive rate of interest, and which was promoted as responsive to market conditions and paying a higher rate than other savings-type accounts offered by that company.

I maintained a balance in that account, and when interest rates increased in the marketplace, assumed that the rate would be increased in line with other " money market '' accounts. Only later did I notice that the interest rate on the account did not increase, and contacted Capital One to inquire.

I was advised that only the company 's 360 Performance Savings account was paying the 'money market ' type interest, and that I could open and transfer my 360 Money Market account to it to receive the more competitive rates, which I did. I asked when I was notified about this change, I was told there was no notice.

I believed that the company 's Money Market account no longer paying a competitive rate was improper and made claim to the company to pay me the more competitive money market rate, and was refused.

As a depositor, I would like to know WHEN the 360 Performance Savings accounts were first created, and why customers were NOT told that the Money Market accounts were no longer paying competitive interest rates and that another product offered by the company would be superior. I only wonder whether any of these changes were made to confuse or disadvanage some of their depositors in an environment of rising interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad.

NAVY FEDERAL - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and removed for erroneous reporting in my file and are listed on my credit report : 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. As we are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.
Product: Checking or savings account

My Schwab account was suspended between XXXX XXXX XX/XX/XXXX. Schwab has sent me an email requesting to confirm my address on XX/XX/XXXX. I have replied to this email with my bills attached on XX/XX/XXXX. Schwab has replied to my email stating that they can not receive email from an unsecured channel therefore I forwarded my information to customer representative 's email that I was on-call with. 

I called Schwab multiple times to resolve this issue since then but every customer representative has said that the fraud department is processing an investigation and that they can only rely on their email reply. 

Ever since then, all I am being told is to wait and wait. It has been 2 months now and I still do not have access to my funds in my checking account and my brokerage account. I have stocks investment in the brokerage account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over XXXX
Product: Checking or savings account

Once again, I am going to file this dispute and continue filing until the back office responds correctly. Stop giving me generic responses. Please acknowledge the emails and files sent to you by the merchant indicating to Release the funds that were refunded to my card by the merchant. The merchant has proof and has shown the refund in multiple attachments. I will keep filing until you acknowledge this and stop lying about waiting for a response from the merchant. I also have audio calls of the merchant trying to contact SOFI who is not responding to the merchant. Payment auth forms have been given by the merchant along with refund letters
Product: Mortgage

On XX/XX/XXXX, I refinanced with XXXX XXXX ( Residential Mortgage Lender ) .There have XXXX policies issued due to failures to pay that resulted in lapsed and eventual cancelled home owners insurance policies. At the time of my refinance with XXXX XXXX I had been insured with XXXX XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. My policy was cancelled with XXXX because XXXX XXXX failed to pay it. This is the first policy cancellation. I called and spoke with an agent at XXXX XXXX XXXX XXXX XXXX. I was told there was nothing to be done because they had received the invoice late. I called my home owner insurance agent and began a new policy with XXXX insurance beginning in XXXX of XXXX. This policy was cancelled for non payment in XXXX of XXXX. This is the second policy cancellation. The same scenario occurred when I reached out to XXXX XXXX to try to resolve the problem. I was told the invoice was received late but when I spoke with XXXX and my insurance agent, both informed me that invoices were sent in XXXX, XXXX and a final cancellation notice in XX/XX/XXXX. 
I now have a new home owners insurance policy with XXXX insurance. This is my third home owners policy in XXXX years caused by non-payment from XXXX XXXX XXXX XXXX Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible cause to believe that the information is Inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against Volvo Financial Services . My husband XXXX XXXX and I, XXXX XXXX XXXX, have had an outstanding credit score of over 740 for several years. In XXXX, we purchased a Volvo XXXX car and have never missed a payment. However, in XX/XX/XXXX, our payment was returned for an unknown reason, as our bank account with XXXX XXXX had sufficient funds. We tried to resolve the issue through the Volvo Financial website and by phone, but we were unsuccessful. It appears that the missed payment occurred due to a technical issue with Volvo Financial Services. We had enough funds accross all our bank accounts on the due date. On XX/XX/XXXX, the XXXX and XXXX payments were debited. Unfortunately, our credit score has gone down by over 100 points, which has destroyed our chances of getting the house loan we applied for this XXXX. This is despite earning a good monthly salary, having a reasonable rent, a low monthly payment for our Volvo car, and XXXX credit card debt. We demand that Volvo Financial Services take responsibility and immediate action to resolve our credit score so that we can move forward with our house loan. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ... XXXX )
Product: Credit card

A representative called my number that was never provided asking me to verify personal information over the phone about an account I never authorized to be opened.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). 

XXXX. ) XXXX XXXX XXXX ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) Caine & Weiner ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. 

ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

All Rights Reserved Without Recourse.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report.
Product: Vehicle loan or lease

XXXX financial is reporting negatively to credit bureaus. derogatory unsatisfied charged off account. XXXX  XXXX is XXXX. Vehicle was illegal repossessed. Breach of peace. Prior to Vehicle Being repossessed 3 large payments were made through money gram withing a month to bring the account current. GM took the payments and repossessed the car anyway. It was never disclosed where or when the vehicle was sold or for how much. They never kept in contact with me about anything. I was the co signer. The owner is currently in XXXX XXXX and has been for the last 4 years.. I contacted gm a few weeks ago because my credit is showing in public Records a court order to garnish wages.. for some XXXX now they're saying XXXX. Absolutely. I requested a copy of the file and I got a letter from gm stating the account may have been fraudulently established as a result of identity theft .... WHAT??? The person I spoke to wanted me to give him the amount I have to see if my records match theirs.. I'm not gon na send them nothing they can adjust.. I know how much money was sent to get the car current. They applied those payments to court fees repossession fees late fees interest. None of it went to principal. I want them to send me all the statements proof of payments they have I want the date time place and amount the car was sold. I was told that the car was to sell at auction for the balance the balance was XXXX it should of sold for more and there should have been a refund for the overage difference. After looking at the court record GM filed just last year order to garnish. I want to appeal that ruling along with the negative deragory in my credit file. They can give me a XXXX valued XXXX and I'll pay otherwise they are insane to think they can destroy me with their lies. Every attempt was made to pay them they refused if it wasn't past due amount paid in full they refused payment after they had already received 3 different amounts through money gram in the month the car was repoed.
Product: Credit card or prepaid card

I received a promotion offer for United Club Mileage Plus card from Chase Bank. The offer stated, " Enjoy a {$0.00} introductory annual fee for the first year, then {$450.00}. annually after the first year. '' A weblink was provided in the mailer : Apply at MPClubCard.com/smart, by XX/XX/XXXX. On XX/XX/XXXX., I entered the stated link in my browser and proceeded to apply for the Mileage Plus Club Card and was instantly approved. 

On XX/XX/XXXX, when checking my account balance, a {$450.00}. fee had been billed. I called Chase Customer service and spoke to someone who told me that promotion had never been offered ; however, the card I had would award XXXX reward miles if I spent {$3000.00} in the first 3 months of holding the card. I do not want or need XXXX reward miles. That is not what I signed up for. I then was transferred to a manager, who repeated the same thing without offering to resolve. She told me my complaint would need to be researched. I began communicating with Chase via the Chase secured email. I provided pictures of the mailer along with the website used and my name on the offer with the offer code. See attached files. Chase informed me this promotion was not available, yet, when checking the United Promotions site, it is, in fact still available as of XX/XX/2019. Even after providing pictures of the promo and the link, Chase refused to honor the offer for which I applied.

I don't understand why Chase is not willing to work with me. My credit rating is in the 700 's, I have 3 cards with Chase, 2 Savings accounts, a checking account and my mortgage. Chase is willing to work with those who are unable to make timely payments, lower interest rates and waive late fees, yet they are unwilling to honor the promotion they offered me. We are talking {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquires on my personal credit report. 

I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted XXXX and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. 

I would like to request that XXXX initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. 

The inquiries are as follows Discover Bank Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX   Inquiry from XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft