23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX 2018 it was reported by the XXXX XXXX that Bank of America was refusing to conduct business with legal gun manufacturing businesses in the U.S.

ArtIcle here : XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America has instituted a policy that has me very concerned that if this current policy is allowed to continue I and other Americans may be arbitrarily refused business by Bank of America simply for conducting business which the bank deems inappropriate or politically inconvenient.

Americans need banking services to survive in the modern economy. Law-abiding citizens have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business.

Please look into this matter and put an end to this Bank of America policy of discrimination.
Product: Debt collection

I contacted before the default status settled in XXXX XXXX. 
And never has made any arrangement suitable. 
Relative importance may be XXXX XXXX XXXX and XXXX XXXX was the last job I held. 
I look forward to settling the default status and balance over the relative Iimportance of former XXXX XXXX owner XXXX XXXX. 
I was employed there from XXXX through XXXX and expect the same treatmentof {$5.00} payments for 10 mos or a XXXX time payment of {$50.00} to return to school.
Product: Debt collection

Common Wealth Financial states that I owe them {$86.00}. This was a result of identity theft. Please contact them and have this item removed from my XXXX and XXXX report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Late/Open XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Collection XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Checking or savings account

On XX/XX/XXXX my credit builder account reached {$500.00}. the money is supposed tp be automatically transferred to my XXXX XXXX spend account. I received emails stating the funds were being transferred and that the money would be in my account in XXXX business days. It is now the XXXX of XXXX, and the funds have not been transferred. I can not access the funds. I don't see the funds in the mobile app, but I can see the funds when I log in, so that is another issue. No one at XXXX XXXX XXXX can tell me when I will have access to my funds. Customer service tells me they will send a request and that the XXXX XXXX team will reach out via email, but the only emails that I receive say I will receive the funds in XXXX business days. I just spoke to XXXX ( that's the only info she would give me ) and she said she would send a " note '' to the person who is assigned to my ticket. It is unbelievable that they would hold my funds for this long. I literally need the money to pay my car insurance in 2 days. XXXX XXXX has a lack of urgency and this has drug on too many days.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian 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, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private XXXX ), a real estate loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private XXXX ) and several collections account opened at XXXX, XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} ( private account XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$460.00} ( private account XXXX ), XXXX XXXX XX/XX/XXXX with a balance {$4700.00} ( private account XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX XXXX. there is evidence demonstrate how XXXX consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been receiving statements from this company, which caused a late payment. Multiple phone calls have been made to the company and they assured that they would remove the late fees and reverse the late payment on credit report. They have yet to do so and keep reporting it as correct even though it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also my current address is XXXX XXXX XXXX XXXX, Iowa XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX, NE XXXX, XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX NE XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my account records, I noticed that the opening date listed for my account is incorrect. According to my records, I initiated the process to open this account yet the system reflects a later date. 

I understand that errors can occur, and I am reaching out to kindly request that the opening date of my account be corrected to reflect the accurate. 

I have attached relevant documentation, including copies of correspondence and receipts, to support my claim. I trust that with this information, your team will be able to rectify this issue promptly. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXXXXXX Balance : {$260.00}.
Product: Credit reporting

On XXXX/XXXX/XXXX I pulled a credit report for personal verification. I disputed some inaccuracies. All were resolved except XXXX regarding XXXX XXXX XXXX. The account was opened in XXXX with 72 month term. My report at the time noted the account closed WITHOUT a reposession on it. I had a repossession on XXXX XXXX with this account. 
I requested this report/debtor be removed from my report as the account and reporting was over 7 years old. The response I received back after this dispute, on XXXX/XXXX/XXXX from Experian, was a notation of a repossession being made on XXXX XXXX. I immediately called them and disputed this information as being completely inaccurate. I requested it be updated and preferably the entire debt removed from my report. I contacted Loss/prevention at XXXX XXXX XXXX. The representative ( XXXX ) advised me that they have not reported on this account since XXXX and no notes are shown of them responding to the original dispute. She sent me a letter with the correct dates ( XXXX ) of the repossession and a notation that they are not even reporting this issue with the credit bureaus. I forwarded this letter to Experian. I received a response back on XXXX/XXXX/XXXX with no changes to this report. 

Experian is not performing their due diligence in accurately reporting this debt. They are not responding appropriately to documentation sent to them. Furthermore, they are disregarding federal law by noting inaccurate New information on a debt that is over 7 years old. 

I would prefer to have this debt completely removed from my report. If this is unacceptable or unobtainable at this time, at a minimum, I want the report to accurately reflect the correct date/time of the repossession.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX
Product: Debt collection

Preferred Collection and Management is trying to collect on a collection account that is not mine and I have no part of. I am asking that this matter be resolved immediately and the collection account be removed from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax XXXX Department XXXX XXXX am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've telephoned all XXXX credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX, XXXX  XX/XX/XXXX Please help me resolve this matter promptly.
Product: Credit card or prepaid card

I received email and physical correspondence from AMEX about a new program called Pay It / Plan It. The program allows a creditor to bunch up large purchases and create a payment plan specifically for only those purchases. After seeing this offer on both my AMEX App, Email and Physical advertisements I decided to take advantage of the offer. There was no need to sign up nor any credit check of any sort it was included within my card. I then made a large purchase and when I tried to complete the Pay It / Plan it program I was prompted by the app and the website that I can not use the Pay It / Plan It program. I then reached out to Amex both via chat and via phone and I was told that my specific card product does not allow this due to the minimum payment calculation or what have you. Yet I referred my fiance to use this card and she is in fact being able to take advantage of this program. In my 6 years with AMEX I have never missed a payment and I have had a high credit score. I provided proof to AMEX that I received an e-mail with a photo of my Blue Card and the last 5 digits of the card on the e-mail and the first link within the e-mail is the Pay It / Plan it program. When I spoke to a representative they apologized saying that this is not an offer that I am eligible for. I advised the agent that this is predatory lending and false advertisement by AMEX because I made this large purchase with this card on purpose. Mind you, AMEX has the highest interest rates and due to the program I could avoid such fee 's but apparently AMEX has boxed me in and now I have no choice but either pay my balance in full or incur their OUTRAGEOUS interest rates. I have proof of the email I received from AMEX and read all of the fine print and I should be eligible for this program. I am disgusted to be an AMEX member for over 6 years and not be able to take advantage of a program that was offered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting my student loan accounts as credit cards. XXXX is not reporting my student loans as credit cards. They are reporting as installment loans, because this is what they are. XXXX is also reporting my student loans correctly, and Equifax is not in compliance with the FCRA. If it is inaccurate information, it must be corrected or DELETED. My student loans should be reported as installment loans because that IS what they are. It is affecting me buying a home and I will take this further until it is corrected. 

Account number XXXX XXXX XXXX/XXXX XXXX All 16 accounts reporting as credit cards need to be corrected to installment loans. How are student loans credit cards??????? I do n't care what the student loan company reports, this is not a credit card, so it is INCORRECT and must be removed or corrected.
Product: Credit reporting or other personal consumer reports

Key Bank have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 
Key Bank Account XXXX