23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about Equifaxs continued reporting of inaccurate information on my credit report related to XXXX XXXX. Despite multiple disputes regarding this account ( Account Number : XXXX ), no steps have been taken to correct or remove the errors. These inaccuracies are severely impacting my credit score and misleading potential lenders. I've made numerous efforts to resolve this by contacting both Equifax and XXXX XXXX, but the issue remains unaddressed. The ongoing failure to correct these errors is causing financial harm, making it difficult for me to obtain loans and credit. The stress from dealing with these reporting mistakes is also taking a serious emotional toll.
Product: Credit card

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Debt collection

FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion account numbers have violated my rights.

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XX/XX/XXXX Account XXXX XXXX  ( {$390.00} ) XX/XX/XXXX Account XXXX XXXX XXXX XXXX ( {$220.00} ) XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an inquiry for a Amex credit card that I never tried to get on my XXXX account I reached out but they never did anything about it stating XX/XX/2022 when my credit is frozen any inquiries I have are linked to accounts that I own I also have a XXXX inquiry but I didnt apply to them either
Product: Debt collection

I received at my physical address some advertising mailers from some attorneys who represent consumers who have a lawsuit filed against them by a creditor. The case number was on the mailer and I contacted the XXXX XXXX Court and they told me all they had was the summons, complaint filed by the entities attorney, etc, but no documentation. I have no idea who this Jefferson Capital Systems , LLC is and when I looked them up online, I learned they are some kind of debt collector. I tried contacting the number on the website and all I get is an IVR prompting me to enter an account number. As I have no idea who these people are and can't seem to get into contact with them, I ask that the lawsuit would be dropped. I am not claiming a debt I don't know of.
Product: Credit card or prepaid card

In XXXX, I received an offer from Chase Slate credit card for 10.24 % interest rate. In XXXX of XXXX, they informed me " We are changing Annual Percentage rates because your APRS are below the lowest APPS we currently offer.. '' In essence going from 10.24 % to 16.24 %. It stated any transaction made after XX/XX/XXXX will be that. And it said I have the right to call and reject which I did. They closed my account then, and I continued to pay 10.24 % on the balance. Now, after four years, they are raising it every month. I have paid it down to {$4800.00} {$12000.00}. I called XX/XX/XXXX to complain talked to Supervisor XXXX. He said he has no control and won't fix.
Product: Credit card or prepaid card

Around XXXX, XXXX, I applied for a credit card called XXXX rewards issued by FNB Omaha. On XX/XX/XXXX, the credit card application was approved for a credit line of {$15000.00}. I called in to activate the card, I was told that the account is on hold and that I will be receiving a letter in regards to what needs to be done to remove the restriction. However, I was going to leave the country for a vacation, and when I came back on XX/XX/XXXX, I had received a letter asking for me to send in a copy of my drivers ' license, and my previous year 's W2. I sent it over to them on XX/XX/XXXX, XXXX on XX/XX/XXXX I called them to see the status of my account, I was told that " i have sent incorrect documentation, and that I need to send those documents in after having them notiarized. '' So About a week later I had those documents notarized, and faxed it over to them. However, about a week after that I called them, and they said they have not received those documents and they gave me an email address to email it to them. I emailed those documents to them on XX/XX/XXXX ALL NOTARIZED as they had requested. On XX/XX/XXXX, I called in to find out if they received those documents and if they got a chance to review them, I was told that my account is closed as of XX/XX/XXXX and they gave me no explanation as to why it is closed other than the fact that I needed to send those documents in within 60 days of the receipt of the letter. When I was told on XX/XX/XXXX that I need to send those documents in notarized, I have sent those documents in on XX/XX/XXXX, which is 20 days. I do not understand What is the reason behind their decision as this is the not the first time I am hearing them do things like that. In fact, there are multiple complaints for the FNB Omaha bank for the way they operate when it comes to opening new accounts, and how they close the accounts after requesting and receiving the documents that they " need '' after approving the application initially.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : ITEMS TO DISPUTE Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 BANKRUPTCY XXXX XXXX Bankruptcy XX/XX/XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Federal Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} PERSONAL INFORMATION : Name : XXXX XXXX XXXX Name : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B the account XXXX XXXX XXXX XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached consumer report which shows the inaccuracy in the payment history. How is Transunion reporting 30 days late in XX/XX/2023 while XXXX and Transunion are reporting that the account was 30 days late in XX/XX/2023. At this time, I am not asking for a goodwill adjustment, I am requesting that this information is updated due to misinformation and negligence. Please update the account to paid as agreed never late. Please see the incorrect information on the credit report attached. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing
Product: Money transfer, virtual currency, or money service

There were two transactions made one on XX/XX/XXXX XXXX on XX/XX/XXXX with XXXX  XXXX took the money out of my account for both transactions because it was a delivery order they put a hold on an amount and then refund it and take out for the actual charge for the one it was supposed to be {$79.00} and for the other one it was supposed to be {$200.00}. Both funds were taken out that day, however cash app without my knowledge or permission, took out a second and third time for the transaction, stating that XXXX had put the money back into my account when they never did I have the documents that prove this every associate that Ive spoke to on the phone has told me I was in fact double charged for each purchase, but every time we try to put in to get my money back there XXXX or dispute service just tells me that theres nothing that they can do, and it will not provide me the information that they used to come to this conclusion or just hang up on me as of right now I missing almost {$600.00} out of my account and thats just with these two transactions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading.

This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA.

Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above.

Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute 3 unauthorized credit inquiries that appear on my Experian credit report. These inquiries were conducted without my authorization and are fraudulent, which violates the provisions of the Fair Credit Reporting Act. 

The fraudulent inquiries are as follows : XXXX XXXX  Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 These inquiries were not authorized by me and are clearly fraudulent. According to the Fair Credit Reporting Act, 15 U.S. Code 1681b ( c ) ( 1 ) ( B ) ( i ), credit inquiries must be made with the consumer 's consent. Therefore, I request that Experian immediately remove these fraudulent inquiries from my credit report. 


Attached to this letter, I am providing copies of documents to verify my identity, including my Social Security card and driver 's license. 

I request that Experian conduct a thorough investigation and provide a written response regarding the removal of the fraudulent inquiries within the timeframe stipulated by law. 

Thank you in advance for your immediate attention to this matter. I look forward to your response and confirmation of the removal of the fraudulent inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist was running a promotion for starting a new business banking relationship with them. I visited the branch and inquired specifically about this promotion and how I could take advantage of these incentives. I repeated numerous times my interest in taking advantage of the incentives being offered and went as far as to have the branch manager answer questions I had about the fine print. 

On XX/XX/XXXX I deposited a large sum of money to take advantage of Incentive # XXXX to earn {$400.00}. 

I also agreed to apply for and open a Truist Business Credit Card, which required me to unfreeze my credit. I made an " eligible purchase '' ( which was one of the fine print items I had the branch manager speak to ) and that should have satisfied Incentive # XXXX to earn an additional {$300.00}. 

On XX/XX/XXXX I received an email from Truist stating I did not meet their qualifications and thus the reward ( XXXX ) would not be processed. I contacted the associate at the branch who was helping me and was told " I do remember you ... and your desire to receive the promotions we had available. My branch leader and I reviewed your accounts this morning and the qualifications for all of the rewards. In our review, it is not showing in your business checking account where you deposited the {$1500.00} into the business checking to qualify for the rewards. You would have had to utilize the business checking account by depositing the {$1500.00} in deposits and then within 60 days of business checking account opening, if you did the qualifying deposits into the business savings and qualifying business credit card requirements you could get the reward. '' As stated previously, and as noted in the email from the branch associate, I made it VERY CLEAR when opening these accounts that I was doing to to take advantage of the rewards being offered. Their only solution to all of this was an apology. 

I should point out that the deposit was processed IN THE BRANCH by the associate who was helping me- NOT done by myself online or elsewhere. It should have been their responsibility to deposit the funds appropriately. 

I'm not the type to normally do this, and I will say the associate and branch manager were both very pleasant during my visits with them, but I'm disappointed in how this was handled. Had I not been abundantly clear about what drew me to Truist ( the promotions ) in the first place, then I could share in the responsibility for this error. As it stands, however, I couldn't have been more clear and thus the funds should have been processed accordingly. 

I believe I am owed both the {$400.00} reward I would have received had the funds been deposited in the appropriate account as well as the {$300.00} reward for opening the business credit card and making an eligible purchase. To date I have received neither reward. 

All of my communications via email are saved and available to share, as well as all documentation received at the time of my in-person appointments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. Attached are the listed items not associated with me, along with my ID, and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me 30 days late in error in XX/XX/XXXX on Experian and XXXX. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. Specifically : Incorrect Address : My current address is listed incorrectly. Please update my address to reflect the correct information, as detailed above. 

Fraudulent Accounts : The following accounts are fraudulent and were not authorized by me : Eastern Account System Kickoff Lending These accounts are erroneous, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation into these accounts, and I request their removal from my credit profile without delay. 

Furthermore, I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which documents that my personal information was compromised in a data breach. This breach has resulted in unauthorized activity on my credit file, including the accounts listed above. 

In accordance with the FCRA, I expect : Confirmation that these accounts have been removed. 

A corrected copy of my credit report reflecting these changes. 

A detailed explanation of the steps taken to resolve my dispute. 

Please note that the inclusion of these accounts causes undue harm to my credit profile and financial standing. Their continued reporting constitutes a violation of federal laws, and I expect XXXX to act swiftly to rectify this situation. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please contact me at my email Sincerely,
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I opened a XXXX XXXX  checking account with BMO on XX/XX/2023. I opened it using a sign up promotion of {$400.00} if I set up a direct deposit of {$4000.00} or more from my employer or a government income source such as social security, tax refund, or treasury payment. I satisfied this requirement prior to them closing my account with no warning.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the listed company made an unauthorized inquiry on my credit report. I have listed the name of the company below, and the date the inquiry was made. 
XXXX XXXX