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

RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI XXXX ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 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 concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed several Inaccurate addresses and employers listed. I have never lived at any of the addresses I have seen listed on my credit report.
Product: Credit card

I recently received a solicitation from U.S. Bank for the U.S. Bank XXXX XXXX XXXX, highlighting an enticing offer of a " low intro APR until 2026, '' specifically a 0 % intro APR on purchases for XXXX billing cycles. Encouraged by this offer, I applied and was approved. However, upon receiving the card, I noticed that there was no mention of the promised low intro APR of 0 %. 

I contacted U.S. Bank for clarification, but they were unable to provide any answers. This situation raises concerns that it may be a bait-and-switch tactic to attract individuals and businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$20.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of XXXX as of XXXX. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the XXXX XXXX is upward of XXXX states including my XXXX XXXX, debts that do no derive from consumer credit transactions should not be reported to CRA XXXX credit reporting agencies XXXX. TransUnion, XXXX, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider XXXX XXXX of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX & XX/XX/XXXX XXXX XXXX BANK XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( XXXX XXXX XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 

Experians negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. 

As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within XXXX business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX2019 Unauthorized Hard Inquiries : XXXX XXXX - XX/XX/XXXX2023, XX/XX/XXXX2023, XX/XX/XXXX2023 GLOBAL LENDING SERVICES- XX/XX/XXXX2023, 0XX/XX/XXXX2023, XXXXXX/XX/XXXX2023, XXXXXX/XX/XXXX2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023, XX/XX/XXXX2023, XX/XX/XXXX2023 SXXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023, XXXX2023 XXXX XXXX XXXX- XX/XX/XXXX/2023 XXXX XXXXXXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX2023 XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX- XX/XX/XXXX2023 XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX  - XXXX/XXXX/2023 XXXX XXXX PR XXXX XXXX/XXXX/2023 XXXX XXXX - XX/XX/XXXX/2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX/2023 XXXX XXXX XXXX  - XX/XX/XXXX/2023 Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within XXXX business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am filling this complain because equifax does not intends fix my personal information and my online access to the credit report. 
Since last XX/XX/2020 I have submitted at least 5 disputes informing Equifax that one the address showing in my credit report was not correct. the address in question is : XXXX XXXX XXXX, XXXX, TX XXXX. This address belong to one of my best friend in Texas. Not even mentioned that i have never been in Texas. I have submitted several dispute and they replied to me that the rorer was fixed but It still showed in my report. I also sent written request for confirming my Identity but stil the issues is not fixed. I also asked several time to update my online information so I could frozen and unfrozen my credit by myself but still it shows a technical error. Despite confirmation : XX/XX/2020 XXXX
Product: Mortgage

I am in the reverse mortgage business and have a reverse mortgage on my own home. I was scared when I received the attached letter stating my reverse mortgage had " expired '' ... what happened I thought to myself. Upon reading the letter and confirming with my son who is a Certified Reverse Mortgage Professional ... I realized it was a solicitation for me to call about a refinance. I think this letter is too shocking to send out to seniors who have a reverse mortgage. It causes anxiety and and worry.
Product: Checking or savings account

We have a XXXX with Synchrony Bank that matured XX/XX/2024. I called Synchrony Bank on XX/XX/2024 to close the XXXX and have the money wired to another outside account. In a previous call on XX/XX/2024 I was told to call the bank the day of maturity and there would be no fee and no problem to close XXXX  and transfer the money. On my XX/XX/2024 call I answered all the security questions, then the rep sent me a text message with a Code that I was to give her. Which I did. Then she said she had to sent me an " XXXX '' XXXX  XXXX letter that would contain another Code. Once received I need to call bank and give them the code. Today is XX/XX/2024. I have not received a XXXX XXXXXXXX letter with a XXXX. I called the bank on XX/XX/2024, was told the I would get the XXXX  XXXX letter on XX/XX/2024. I called on XX/XX/2024 and was told I would receive XXXX  XXXX letter on XX/XX/2024. My last call to the bank was XX/XX/2024. The rep I spoke to that day said no XXXX  XXXX letter had been sent and he did not know what was going on. He said I needed to wait for a XXXX  XXXX letter. I don't know where to turn. They are holding our much needed money. I understand about security. However, we have done business with this bank in the past. No problem receiving our money. Banks withholding a customer 's money and giving out false information and not given any avenues to pursue for help, should be against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section XXXX of the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Equifax Credit Bureau three times. And I received investigation results letter by mail and Equifax still refused to deleted inaccurate off my credit report.
Product: Checking or savings account

I made a purchase for XXXX to have the pipes of my house replaced by a company named XXXX. This purchase was made on XX/XX/XXXX and I was told it would be completed by XX/XX/XXXX. The company never showed up for the job and XXXX submitted a fraud claim. When I contacted my bank on XX/XX/XXXX they advised that in 10 Days I would have my money. I showed them proof that the vendor agreed to refund me and submitted the request to the fraud claim I placed and accepted it. It is now XX/XX/XXXX and I have yet to receive the money back. The company told me the bank took it away from their account so they dont have the money either. In the meantime either square or my bank sofi is holding the money that is not being released.
Product: Credit reporting or other personal consumer reports

Im deeply troubled by the impact my current credit scores are having on my life. The inaccuracies in my credit report are causing my scores to be unjustly low, which is preventing me from accessing the credit I need and causing significant stress. This ongoing issue has made it difficult for me to manage my finances and is affecting my overall well-being. Despite my numerous attempts to address this, Ive seen no resolution. I have attached an FTC report that details these inaccuracies.
Product: Vehicle loan or lease

AUDI FINANCIAL SERVICES IS RIPPING ME OFF AND FRAUDUENTLY CHARGING ME EXCESSIVE FEES FOR MY AUDI. THEY ARE IN VIOLATION OF THE LAW AND PERFORMING ILLEGAL PRACTICES. 

I WAS PAYING {$770.00} TO AUDI FINANCIAL SERVICE FOR MY LEASE, THEN I BOUGHT THE SAME CAR AND AUDI INCREASED MY LOAN TO $ XXXX MONTHLY BECAUSE THEY DID NOT WANT ME TO KEEP THE CAR. THEY WANTED ME TO BUY ANOTHER LEASE WHEREAS THAT WOULD LOCK ME IN SO THEY COULD MAKE MORE PROFIT OFF ME. THEY CHARGED ME AN UNFAIR HIGH INTEREST RATE THAT DID NOT FIT WITH MY INCOME. WHAT THEY ARE DOING IS ILLEGAL AND THEY SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX  : Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Checking or savings account

XX/XX/2019 I am a XXXX and a long time customer that recently deposited a commission check issued by a well established escrow company in the amount of XXXX. When I deposited the check, I was informed by a teller named XXXX that the funds would be available after XXXX that evening. In reliance on the XXXX release of the funds, a check was made out for XXXX to my partner for his share of the commission which was promptly deposited into his account. 

XXXX XXXX I received an email stating that the check was returned for insufficient funds. Upon arriving at the bank to clear the matter up, I was directed to the branch manager XXXX who informed me that contrary to the information given by XXXX, the bank elected to put a hold on the check until XXXX XXXX, without the courtesy of at least notifying me. Furthermore, I was informed that my account is being force closed. XXXX explained that the hold would expire on XX/XX/2019 and that I could return on XXXX XXXX to pick up the check. That afternoon, I confirmed with the escrow company that my check had indeed cleared. 

XX/XX/2019 Per XXXX request, I returned to pick up my check to once again find that I was misinformed by the bank staff. 

As of today, XX/XX/2019, my check still hasnt arrived.
Product: Checking or savings account

I live in California, was on a vacation in XXXX, Tennessee. During my time there ( XXXX ), my card was charged for Gas in the amount of {$26.00} with the location saying " city, Florida '' XXXX XX/XX/22. I have never been to Florida, I don't know anyone in Florida, and have never given my card number or authorized anyone to use my bank account information. When I contacted Chase, they filed a claim and reimbursed the funds. A few days later on XX/XX/22 they then sent me a letter stating that after investigation they feel that the charge was valid and authorized. It makes no sense that I was in Tennessee, and all my charges prior to and after that Florida charge were in Tennessee. They said the extent of their investigation was that the PIN number was correctly input on the first attempt, and that they can't reverse it. Due to the fear of my account being compromised, I withdrew then entirety of my funds. I also received an email with an invoice that someone from New Mexico ordered personal checks with their name and address information on them from XXXX, Chase 's check company partner, with my bank account information on it. This tells me that my bank account is completely compromised, and Chase is doing nothing to help me resolve the situation. There is no safety and security from Chase in this.
Product: Credit card or prepaid card

I have tried to add Capital One credit card to XXXX XXXX as an authorized payment option but needed to verify before it could be added. I contacted Capital One and was told the only way to verify the card for use with XXXX XXXX was to download and install their own app. In my previous phone I added and authorized this card without adding their app. 

Capital One has no issue with accepting my payment on online and offer their own virtual card on their site. I don't want Capital One 's app on any of my devices and don't think I should be XXXX in adding it to my phone. I try to limit the amount of applications and programs to reduce my data collection and think I and other people should be able to add any credit card without adding unnecessary programs.