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

1. On XX/XX/2022 I received an email from Barclays ( XXXX XXXX XXXX XXXX ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called Barclay again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called XXXX. They also said I should go ahead and file a dispute with FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$170.00} -This is not my account.
Product: Vehicle loan or lease

I started financing my car XX/XX/year> my car finance amount was a little over XXXX I put XXXX down so it was XXXX something 2 years later I have paid XXXX of that amount and when checking my balance it says XXXX and when requesting a payoff quote it says XXXX due my car is barely worth XXXX as of today paying XXXX total for a used car that's not even worth XXXX that is robbery
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries result from a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This letter is submitted personally, not through a third party, so I request your careful review. I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under : Fair Credit Reporting Act ( FCRA ) 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Because I never authorized them, they are inaccurate and must be removed. Their reporting is the result of a data breach or unauthorized disclosure by creditors or third-party data furnishers. 

Please take immediate action to investigate and correct these inaccuracies. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

Five months ago I bought a used car which got financed by a so called WESTLAKE FINANCIAL SERVICES CO out of XXXX CALIFORNIA I also bought the extended warranty and the GAP insurance. Two or three days later after I bought the car the engine light came on and its been an nightmare since then. XXXX XXXX was the day of purchase and to this day XXXX XXXX the estimated repairs needed exceed any amount of money I have. I tried talking to the dealership but they refuse to work with me Im talking about more than {$3000.00} dollars in parts alone. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct these accounts immediately : XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I have disputed this negative account with the credit bureaus as well as the direct creditors and they have reported to confirm the account is valid without any proof. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc.

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy.15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting to remove these inquiries from my credit report now I'm trying again there was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting this CFPB Complaint to dispute the remaining fraudulent accounts and information that has been reported on my Credit File by the Credit Reporting Agencies. Under the Fair Credit Reporting Act section 605b, I am demanding the Credit Reporting Agencies to remove the disputed fraudulent items off of my Credit File as soon as possible. Despite my previous attempts to have the fraudulent items removed from my Credit File, the disputed items are still being reported in violation of the FCRA section 605b. I do not own these accounts neither did I authorized anyone to open these accounts on my behalf. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I need the following items removed from my Credit File without further delay : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2023 a hard inquiry was added by an unknown company that I can not get a hold of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or Ford to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to Ford and proof of my title.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Chase branch in XXXX, Wisconsin to open a new bank account, because I received a coupon via email, saying chase is offering a {$900.00} reward for new accounts. It took me more than XXXX hours driving to get there. The staff there recommended their premier checking and saving products, and everything get done by about 5pm that day. Chase staff also reminded me to set up direct deposit and transfer {$15000.00} into the new account in order to get the new account reward. 
After I returned home, I transferred in total {$10000.00} into the new Chase account via XXXX in the following days, from another bank account of mine ( BoA ). There were three transfers in total because XXXX has daily and weekly limitations. The transfer detail is : {$3500.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX, and another {$3000.00} on XX/XX/XXXX ( the receiving time may be different ). I also set up a direct deposit to the checking account. The next salary was supposed to be paid on XX/XX/XXXX ( bi-weekly ). 
Then on XX/XX/XXXX, I found that I can not transfer money from checking account to my saving account. I thought that maybe there may be a delay in the system, so I waited until XX/XX/XXXX. I found that I still can not do anything about my accounts, so I called the Chase asking why. They told me that they have decided to close the account, and refuse to provide any explanation. Right after I made the call, I found that I can not log in to my account via Mobile app or Website. They just locked everything and told me to wait until the closure is complete. I can not even manage my credit card any more ( I also have a Chase credit card, and already set up auto payment from the Chase checking account. So if they keep locking my account, I will get defaulted next month ). My employer is supposed to pay me on Friday, and since they locked my account, I don't even know where my salary goes. I called their XXXX branch, their customer service, their anti-fraud center, etc., a lot of departments. All of them kept saying that this is a final decision and there is nothing they can do, and I will never be able to open any accounts in Chase because they put me on a blacklist. There is even a guy saying that this is their right to do anything they want. Seriously I don't understand why Chase is doing this. This is irresponsible, offensive, and disrespectful. All I did is I drove a long way to Chase and opened an account, then deposited {$10000.00} in there. Then without any alerts, they shut it down and caused me so many troubles. As a consumer, I felt unfairly treated.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$150.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$180.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit card

On XX/XX/year>, I was notified by XXXX XXXX that there was a hard inquiry on my XXXX credit report. I did not apply for any credit. I started investigating and found that a XXXX JP Morgan Chase was applied for in my name. The XXXX  was applied for online, it was approved for {$16000.00}. I contacted the bank who connected me with the fraud department. This was fraud. They stopped the XXXX  being mailed according to them and they reported that the application was a fraud. They indicated they would send me a letter confirming the info and they would contact the credit agency to remove the hard inquiry. All of my credit reports are " frozen '' so I'm not sure how Chase was able to get an inquiry through XXXX. I called and had them re-freeze my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Because I had had to close my accounts, Peoples wo n't help further : My husband and I had opened a joint checking account where he banks, People 's United Bank, when we got married. I opened a personal checking account and a savings account at People 's United Bank at the same time. ( My husband 's personal financial accounts remain active and are not part of this problem. ) I was out of work from XXXX of XX/XX/XXXXthrough XXXX of XXXX, and used up the " buffer, '' our wedding money, to make the mortgage where unemployment left off. I was hired in XXXX of XXXX, and out of work again in XXXX of XXXX. My unemployment compensation, what little it was, was directly deposited to my own account. The balance was very low because I not had time to rebuild the buffer ; but I had the direct deposit. I managed to keep a decent balance in the joint account to pay the mortgage. Last winter, I could n't balance my checkbook. I went nuts. I 'd bounced checks and could n't afford the fees.I use XXXX, the same spreadsheet layout I 've used for over ten years, and could not find my error. This has never happened to me. I was mortified. With assistance, I managed to pay the fees and keep checks from bouncing until XXXX, when my unemployment ran out. I 'd never been able to catch up from the winter error ; and bills that were falling behind fell further since I 'd lost money paying the fees ... I deposited what I could get, but did n't realize that there was an added charge : $ XXXX  monthly fees since I did n't have direct deposit. I bounced more checks. XX/XX/XXXX : I 'm not sure which account was overdrawn at the end. I closed one, and closed the other to pay the fees on the first ( with {$50.00} or so that I borrowed ). A little more than a week later, I got a call : the bank had made an error, and had a check for me to pick up. On XX/XX/XXXX, I picked up two checks totaling {$1100.00} or so. The missing money from last winter. I got to the bank a day or two later. The same morning, I 'd had to ask my husband for XXXX XXXX for the charity box at religious services. I cried when the bank manager handed me the check that evening. He walked over with me to  cash it. I closed out my savings account at that time. When I 'd calmed down, it occurred to me to ask about the bounced check fees. I have no idea how many there were. The manager said that they could not be refunded because I do n't have an account with them. WHAT? Their error was the reason I 'd had to close the accounts. I do n't know if it 's bank policy. I also do n't know if it 's legal ; I had an account when the problem occurred, after all. I was unable to move further with the manager. I remain ashamed that I needed to cash my husband 's and my joint account, ashamed to the point that I 've waited since mid-XXXX to write because I simply could not. Anything you can advise will be appreciated. Cordially, / s /
Product: Mortgage

They sent me closing papers but refuse to call me back eloans Ive tried for weeks to call them the wont awnser me so I have no idea what to do with these closing papers I tried to call the tital loan place to they tell me they dont do out of state loans they are in California Im in oregon Im starting to think this loan was a scam please help
Product: Mortgage

As per the terms and conditions of the mortgage I am required to be a resident of the property for one year and I moved out a month before that year was up. It is also stated that I must reside at the property because I am the Veteran and the principal owner on the loan. I have requested repeatedly that my ex spouse refinance because they are my benefits earned prior to our marriage. The mortgage company refuses to enforce this clause of our contract and I want this loan out of my name and off of my credit report.