23daVinci/CFPB_Complaints huggingface dataset:
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 : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Ref : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 or other personal consumer reports

To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.

The computer-generated response I received is unacceptable, and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the CFPB, FTC, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
XXXX - XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please update to never late! 
XXXX - XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX - XXXX - Under 15 US Code 6802 - Obligatons with respect to disclosures of personal information- Please delete immediately! 
XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX, FL, XXXX- This is not my address. Please delete immediately! 
I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Product: Debt collection

Advance America has been calling and harrassing me for months. They are looking for a person named XXXX XXXX. I've never met this person and am the sole user of the phone I have. I have never dealt with Advance America and have no outstanding debts of any kind. 

I have to keep blocking all the different numbers they are calling from. I called them several times to inform them the number doesn't belong to XXXX XXXX. On XX/XX/XXXX I called and a woman said she had removed my number from their system. After more calls on XX/XX/XXXX, I called again and a woman with a terrible attitude said the removal process takes 72 hours. That was obviously a lie  since I got another call today, XX/XX/XXXX. 

They've been clearly informed that XXXX XXXX is not attached to my phone number and have ignored this fact in continuing to harrass me.
Product: Credit reporting or other personal consumer reports

there are inquires on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize any of these inquires and i would like them to be removed
Product: Credit reporting or other personal consumer reports

Upon recently checking my credit reports I found that there were fraudulent inquiries and accounts from companies that I dont recognize. These Inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The companies are : XXXX XXXX XXXX XXXX Credit acceptance Credit acceptance XXXX
Product: Credit card or prepaid card

This is a XXXX part complaint. The first part is about being denied a small credit increase in spite of having this account for well over a decade. The second is basically a customer service complaint. 

First of all, as mentioned, I have this card a very long time, possibly as long as XXXX years. In the entire time, this bank has never increased my credit limit past {$2700.00}. I find this to be extremely frustrating never mind frankly, humiliating. I have earned what many would consider a pretty handsome salary for the last past XXXX years of my career. Since opening this card I now earn XXXX more! We had tried a few years ago for an increase and was denied and hadn't tried again since the other night. Only XXXX years ago, my credit alone was good enough for me to purchase a {$42000.00} car and I just paid off a personal loan taken out during the Pandemic, yet this bank is refusing to even give me a {$1500.00} increase! Nothing bad has happened with my credit since then. I may not have the highest score but I certainly don't have bad credit by any means. 

this bank is arrogant and strict in many ways from there registering for online services, to their sign in process and especially their ridiculous automatic phone system. Their website is awful to navigate and their phone system is even worse. My wife who is an authorized user on the account just attempted to call in the other night to speak with an agent. She literally was worn out by the time she got someone on the phone and extremely angry. Only the most dogged, persistent individual would be patient enough to navigate through the automatic system to get to an agent. They make this extremely intricate, no doubt to discourage a customer from reaching a live agent. She said she has never seen anything like this and she is very experienced in handling every aspect of our personal finances. She refused to call back again although we needed additional help in making a payment and getting it through promptly. It was extremely difficult to locate the location on their website to request an increase in credit limit and the agent who she did speak with told her she couldn't send instructions to us unless she spoke with me. What? They can't send instructions? Are they kidding me? My wife did locate it, finally, with much difficulty to request the increase I discussed above. Who do they think they are with all this red tape for customers? It is the absolute worst.
Product: Checking or savings account

Ive been unemployed since XXXX XXXX i filed for benefits and was approved, my claim was not payed till late XXXX, i was able to access the funds once.XXXX XXXX  granted my back pay as well, a lump sum over XXXX on early XXXX my account was frozen, i then reached out to XXXX and got it all straightened out.. Bank of america has recieved notification of my identity and still wont release account, ive talked to several departmenmts regarding my dilemma from fraud to deceased line, answering every question with true facts, everyone right. now they tell me to walk into a branch in order to recievt my money? while all banks are only letting consumers use a.t.m.s. how am i supposed to do that
Product: Mortgage

Hello, I had been approved for a loan modification trial plan with PHH in XX/XX/XXXX. However, I am an older woman and not at all tech savvy and was also undergoing XXXX XXXX XXXX at this same time. I did not realize I was approved, as I got very confused with all the paperwork I had to keep submitting and receiving from PHH. 

As you can understand, there is a lot of correspondence received from PHH during this process. A ton of mail gets sent to me and it is very indeed confusing to navigate, especially under XXXX XXXX XXXX XXXX XXXX  Apparently, I missed the letter informing me that I was approved for my trial plan and thusly, I missed out on the offer. 

PHH is now trying to sell my home in a few days time ( XX/XX/XXXX ), when I was approved only months ago. I spoke to a HUD counselor was I made aware of this approval only recently as I was again, very confused with all the paperworks. I am simply asking PHH to please not sell my home and please do whatever is necessary to try to reinstate the trial plan that I missed due to my inability to understand the paperwork and how to accept the trial payment plan. 

Please see my situation and help me. I would have made the trial payments had I known that I was approved. Please help me save my beloved home!
Product: Prepaid card

There were a lot of unauthorized transactions on my account which I didnt make I tried multiple times trying to figure where the money went & even sent in documents to verify it wasnt my authorizated transactions and still the dispute was closed with no future information or a copy of the report I have also asked them to close the account multiple times which they wont
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and transuniin are inaccurately reporting XXXX XXXX XXXX You are reporting this collection status as open which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed. 
Please DELETE immediately
Product: Debt collection

I am filing a formal complaint regarding a dispute I initiated with Experian over 30 days ago concerning a XXXX XXXX account that is inaccurately reported on my credit report. There is no account number attached to it. Despite the statutory timeframes for resolving disputes under the Fair Credit Reporting Act ( FCRA ), Experian has failed to properly verify this account, and instead has relied solely on XXXX XXXX unverified assertions, without the proper legal documentation or validation required under the law. 
Legal Violations and Concerns : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under FCRA, Experian was required to conduct a reasonable investigation of my dispute and provide me with the results within 30 days. As of today, over 30 days have passed since I filed the dispute, and Experian has not fully validated the account in question in accordance with the legal requirements. They have failed to provide supporting documentation or verification directly from XXXX XXXX. 
Accuracy of Information 15 U.S.C. 1681e ( b ) : The FCRA mandates that credit reporting agencies, including Experian, must ensure the accuracy and completeness of the information they report. By relying on unverified information from Capital One, Experian has violated this provision. This information continues to appear inaccurately on my credit report, despite my dispute.

Failure to Verify 15 U.S.C. 1681i ( a ) ( 4 ) : When a dispute is filed, the credit reporting agency is required to either verify the account or delete the inaccurate information. The fact that Experian did not perform a complete investigation, nor provide verification from XXXX XXXX, is a violation of this statutory obligation. 
Right to Dispute 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to have my dispute investigated and resolved within 30 days, as stipulated by the FCRA. Experians failure to do so within the prescribed timeframe has caused unnecessary harm to my creditworthiness and is unlawful. 
The continued presence of inaccurate information on my credit report has significantly impacted my ability to secure housing and obtain other necessary services. This has placed an undue burden on my family, affecting our livelihood and financial well-being. We have faced difficulties finding a home due to the negative remarks on my credit report, and the situation is causing undue stress and hardship for all involved.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to order from XXXX XXXX. 
The computer rejected my request. 
Then Comneity Bank deducted {$75.00} {$89.00} {$89.00} on XX/XX/XXXX From my debit card. 
I did not authorize this, Their computer systems are a mess. 
Please intervene. 
Thank you
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

EDUCATIONAL XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention
Product: Credit card or prepaid card

I have already filed one complaint on this subject and while Ollo refunded some annual fee, fees/late charges, they still have failed to adjust the interest rate charges, my interest rate, lower my monthly minimum payment back down to an affordable payment in the {$40.00} and below rate as before and also have charged me another late fee while I have emailed communication to them in making them aware of this! Then, I never get a response back. Instead they send me text and leave me voicemails that my payment is late. But, how am I expected to pay when they havent done as I have listed in detail above?! l will also post my original complaint on below as well as state this all started when Ally took over Ollo. 

In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XXXX XXXX XXXX XXXX XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around XXXX XXXX
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 U.S.C. 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 an account without my written consent. 

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 was given an American Express gift card for {$3000.00}. before the holidays. When I have tried to use it on three separate occasions, the merchant says it was declined. I have tried reaching out to American Express and they have promised a response, but have never responded. They do not have a reachable telephone number ( recorded only responses ) and I had to through my XXXX XXXX account to get transferred three times to someone who said they would help but never returned the call. They have also charged my card for a purchase they declined and which I used another card to pay, and said they could not help resolve the issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX amount of XXXX under the account XXXX. XXXX Bank opened XX/XX/XXXX in the amount of XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX. Capital XXXX in the amount of XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help