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

Upon conducting a thorough review of my latest credit report, I have identified several instances of inaccurate information associated with accounts listed. This misinformation is significantly impacting my ability to secure a home loan, thereby hindering my financial goals. 

I am reaching out to you in accordance with the Fair Credit Reporting Act to address and rectify this matter promptly. 

The list of accounts in question is as follows : XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX - Account ending in XXXX I would like to draw your attention to the relevant sections of the Fair Credit Reporting Act that support my dispute : 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing adverse information that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits the furnishing of inaccurate information to a consumer reporting agency.

It is evident that the inaccurate information on my credit report violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I kindly request that you conduct a thorough investigation into these discrepancies and take appropriate action to rectify and remove the inaccurate information from my credit report.
Product: Credit card or prepaid card

During XXXX in XXXX, I purchased a {$500.00} Visa Vanilla gift card for my dad, but unfortunately, he was unable to use it. Both he and I contacted the Visa Vanilla gift card company to resolve the issue. They informed me that the card had been confiscated, but the money on it was still intact. They asked me to email them the front and back of the Visa gift card, along with my ID and the receipt. They assured me that they would work on resolving the matter and send me a check within 45-90 days. 

In XXXX, I promptly sent in all the required documents as requested. Case number XXXX. However, it's now been five months, and despite multiple calls to inquire about the status of my case, there has been no update. The call center representatives simply state that there is no new information on my case and are unable to connect me with the Visa Vanilla gift card dispute team.
Product: Debt collection

UCB ( United Collections Bureau ) contacted me two days in a row ( XX/XX/22 and XX/XX/22 ) asking to speak with a family member that shares a similar name. They were told on the first day that they had the wrong number and the call was disconnected and blocked. On the second day, the caller identified herself by first and last name and as an employee of UCB. She again asked for the family member and was told she had the wrong number. She was asked why she continued to call the wrong number and was told that I wanted to be removed from their calling list. She ignored these questions/requests and asked me to pass on a message to the family member she was seeking. She continued until I said I would be reporting them. These phone calls violate the FDCPA through XXXX  ( repeated calls/discussion to a family member ) and sharing private information ( by announcing that they were debt collector and giving out my family member 's name, I am now aware of their private financial situation ) and action should be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX  ( XXXX  ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

On XX/XX/21, I received a text from what I believed to be Wells Fargo Bank. It stated that there was an attempted XXXX transfer of {$3500.00}, & asked me did I approve this transaction. I replied " NO. '' Later that day I received a call from what I thought was Wells Fargo ( per the caller ID ). The caller said he was with Wells Fargo, referred to the above-mentioned transaction, & told me that in order to reverse this transaction, I had to go into my account online & follow his instructions. I went into my account, & he then had me : 1 ) set up an account in my name with XXXX XXXX & 2 ) XXXX transfer {$1000.00} from my savings account to this new XXXX account. He also talked me through setting up a wire transfer of {$1400.00} from my checking account ; I was later able to cancel this transaction. He then told me not to log in to my account for XXXX hours. When the call ended, I was suspicious & I called Wells Fargo & was connected to the Fraud Dept. They informed me that this is a current scam, & it was unlikely that I woud get my money back because XXXX is a cash transaction. They did open up a claim, # XXXX. I received a letter from Wells Fargo today, with their final determination, & then called them. I was told that this scam was not considered fraud & I woud not be reimbursed. I am a retiree on a fixed monthly income, & needed that {$1000.00} to pay bills. I
Product: Mortgage

I acquired my home from JP Morgan Chase in XX/XX/1999, I never received the Purchase Money Loan ( Cash Advance ) from JP Morgan Chase Bank, I signed a Promissary Note which doesn't constitute a loan, My mortgage was the agreement that pledged the property as collateral for a loan. I haven't been notified of Acceptance so I paid for and Offer that is currently filed in XXXX XXXX XXXX XXXX. Loans means debt evidence by promissory note plus interest. JP MORGAN CHASE BANK needs to show proof of interest in my private property. This is Fraud 18 USC 1001, slavery forced compliance to contracts not held 18 USC 3571 also Identity theft.
Product: Checking or savings account

Good afternoon, on XX/XX/2021 I opened a Select Checking account that offered the following : Get up to {$600.00} in cash bonuses. Receive {$400.00} by having direct deposits totaling {$6000.00} or more post to the new Santander Select Checking account within 90 days and get an additional {$200.00} by maintaining an average daily balance of {$6500.00} or more for the first 90 days. I have satisfied the requirements and it has been 90 days yet I was informed that I will not be eligible for this bonus because I am a signer of my wifes account and their terms state : Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening. However, the terms had no mention that being a signer on a spouses account disqualified me from the bonus. I had only added myself as a signer to my wifes account due to a an issue with a deposited check that was made out to the both of us. Ultimately, this is very misleading since the promotional offer was sent directly to me and my Addendum to your personal Deposit Account Agreement even included the promotional information. I have attached both the advertisement sent to me as well as the Addendum to my personal Deposit Account Agreement. I believe the terms need to be more specific and I should be in fact eligible for the bonus this time. Kindly look into this for me.
Product: Vehicle loan or lease

On XX/XX/2017 my wife and I went to look into purchasing a XXXX XXXX XXXX at the XXXX dealership in XXXX. The sales man showed us a white XXXX XXXX XXXX. We listened to the sales man and after negotiations back and forth he came up with an out the door price of {$30000.00}. We agreed to that price as the agreed upon price. He showed us this amount on a white piece of paper that he kept and did not give us a copy of, we didn't even get a chance to see the interest rate since we just got a chance to glance at it. At the moment, we didn't think much of it. We were okay with the XXXX price. When we went into the office to sign paper work the lady who did the paperwork said that her printer was not working fast enough and that she would just show us the paperwork on the computer and that I sign on the electronic pad. On the final paperwork it said that the agreed upon value is {$31000.00}. My wife told her that the amount on the paperwork was wrong and she said it was not because they would just write down that we gave a down payment of XXXX. My wife said that it was not true. She said that it was just a good deal that they had to put a value there but that we were just going to have to pay XXXX dollars in cash and not what it said in the paperwork. I was confused but she said to just sign and that we were still going to get a good deal. We thought this was true at the moment but after having someone else look at the paperwork and learning more about leases we learned that the XXXX XXXX XXXX XXXX is engaged in illegal practices in order to generate higher revenues. They changed the numbers around so that the capitalized cost of the vehicle would be higher and that our monthly payment would be higher as well. They also kept the paper that gave us the quoted amount and didn't disclose the interest rate to us. This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Credit card

Applied for a Chase credit card online, to transfer balance at a better rate. I was approved but then found out it was for an amount that would not cover the balance of the card with the higher interest rate. I immediately called to cancel ( like within 30 minutes of being approved!!! ) the new Chase card, when I finally got to speak with someone I was told that I can not cancel the card til I get it in the mail. OK, fine, I can do that. MEANWHILE, Chase goes and pays my other credit card for almost the full amount that I was approved for. I did n't want this Chase card, if the full balance of my higher rate card was n't going to be covered. Hence, the immediate phone call to cancel the Chase card. AS you can see, there is clearly a practice going on that ropes people into cards that do n't fit their needs. The immediate approval of the card appears to be a good thing but the consumer should get to say weather or not they accept the amount that they are approved for after that amount is disclosed to them. ( the consumer says " yes I will accept this card '' or " no thank you, it does not fit my needs '' ) Chase has been very rude and unhelpful, they and I 'm sure others are doing this. It needs to stop!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute [ describe the specific issue, e.g., inaccuracies in my credit report, a violation of my rights under the Fair Credit Reporting Act, etc. ]. My relevant details are as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : xxx - xx - XXXX Account Number ( if applicable ) : [ Account Number or Reference ] Experian- Filed several disputes, Transunion - Filed several disputes, Equifax - Filed several disputes. I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resole this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I request that the CFPB investigate this matter and provide assistance in resolving this issue. Additionally, I would appreciate any guidance on how to proceed further if my dispute is not resolved satisfactorily. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Synch XX/XX/2024 I received alert I had a hard inquiry on my report ( i was at work ) i have a frezee on my report but i took it off for 24 hours i was trying to purchase some chairs but i was getting XXXX so I told the Store that I will return the next day maybe I had to wait a couple of hours before I can use it, but I never did return back to the store. I did get in contact. with syncb and its made to them that I did not authorize that transaction. Im at work and theres no way I could have done it at work so they told me that they will remove it and Im trying to TheThey will remove it, and Im trying to make sure that they remove it because I did not authorize that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit directly with Citizens One. This company is a third party company financial institut, who finance for XXXX. XXXX provided additional fraudulent charges on a invoice to Citizens One. I contacted citizens one on several occasions to advise XXXX charged me additional charges and my account needs to be updated. I stayed in contact with Citizens one during the process as my payment card was still was on file to make payments, even after I was told the account would be placed on hold. My bank also advised automatic payments was previously approved from Citizens one, and which I never received notice a payment had failed. Citizens One did not have my contact number and failed to notify me of any issues. I had a conference call with citizens One and XXXX explained to the representative with citizens one that XXXX  made a mistake and for the mistake they were going to credit my account for {$250.00} in which Citizens One should correct any inaccurate or misinformation at that time. Citizens One has reported inaccurate information to the credit bureau that my account was 30 days past due, when it should have not been reported as past due, because of the lack of communication between those 2 parties and never notifying me of a failed payment after I was also told the account would be on hold until XXXX contact them. This inaccurate information needs to be removed from my account immediately. 

I have disputed this delinquent account Therefore, until it is validated, your information concerning this account is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, this account is not delinquent and I demand that this information be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  ( originator XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

They are putting hard inquiries on my report that I did not use them or did not have them run my credit
Product: Mortgage

I have an Escrow overage payment owed to me from my mortgage company, Ditech Financial, who refuses to send me the money because my account with them is past due. The overage comes from their Escrow Cushion. They are telling me that I can not withdraw from my escrow, if my mortgage is past due. An overage is no longer a portion of Escrow, once it 's declared to be, overage. I am asking Mortgage Servicer to simply move my overage funds to the unapplied funds account, that way I can use it to help catch up on my payments owed toward my mortgage. The fact that they wo n't either return my overage money or shift it in a way so that I can use it to pay my overdue balance down, seems like a way for them to keep my money and push my home into foreclosure status. Please help. I just want my money allocated towards the mortgage payment.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from XXXX  and XXXX XXXX, I have identified several credit inquiries that I did not authorize. These inquiries have adversely affected my credit score and potentially exposed me to further financial and identity theft risks. The unauthorized inquiries include but are not limited to : 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 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 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 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  - XX/XX/XXXX These unauthorized inquiries were made without my knowledge or consent, and I have not engaged in any financial transactions that would justify these hard pulls on my credit. Their presence on my credit report is erroneous and suggests a failure to maintain secure and accurate records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

And the responses from the Credit Bureaus have been nothing less than fraud, labeling these as factual data for a XXXX person not applying for credit.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report this morning, and I have no explanation as to why. I check my credit report regularly, and this time, there were discrepancies that shocked me. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries didnt disappear. XXXX extremely XXXX, and I demand that the documents Ive sent be properly reviewed to resolve this issue immediately so it doesnt happen again.
Product: Credit reporting or other personal consumer reports

It appears that my credit information with your organization has been compromised. While reviewing my records, I found numerous files that do not belong to me. As I am thorough in my research, I discovered that under section 605b of the FCRA, you are legally required to remove any items found to be opened due to identity theft. The disputed items are not mine. I am attaching the necessary FTC Report and the bank 's records, as both parties require these documents. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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