23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America experienced failure in their auto-pay system. However, I was charged late payments, interest, and potentially other adverse affects.= This failure occurred a month ago. My auto-debit was enrolled for over a year. Auto-payment was adjusted to minimum payment. Minimum payment would have still counted as a payment. However, no auto-debit occurred. The bank account that was linked, has plenty of funds -I can prove that. 

When I was notified that i had " missed '' a payment because their auto-payment did not deduct, I used the make payment button on the home screen. According to the person I talk to day named XXXX, this applied a payment to the wrong account. 

My credit score is in the high XXXX and my credit report has no missed payments. I have also not had a missed payment with Bank of America since I opened the account in 2010. I have relationshiips with all XXXX of the major credit card companies and I can say without a doubt that my experience with Bank of America has been the worst of late. I have been transferred mid sentence and dropped. I hope that this is only a one time event and can be resolved in the future so that BOA can retain my business.
Product: Debt collection

Portfolio recovery is reporting a collection on my credit reports that has not been XXXX successful Verified
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

Good morning, Im reaching out due to identity theft I filled out a police report and an identity theft report. 

These accounts that is listed arent mine. Please help me correct this information. I have no connection or knowledge of the said accounts. 

Back in 2017 my identity was stolen and has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loans with Navient and I have been sent to the collection agencies for not paying my loan the past year. I was informed that loans would be suspended until we figure out what kind of forgiveness for loans would be allowed by our govt. I checked my credit recently and its at an all time low because of the reports from Navient. No one from Navient contacted me about being reported. I calles Navient several times in the year and told them I was waiting on announcements from the federal govt about my loan to make payments. I explained to them I am know a XXXX father and live off of an XXXX income. I was told that this was fine and if I need help to contact them. No representative ever mentioned sending me to the collections agency. Can someone please help me get this removed from my credit scores. This is not right. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting

Company is reporting a tax lien on credit report that has been withdrawn by the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open an account with XXXX  at any point and they showed up on my Experian credit report, at that point I disputed it as inaccurate and within one day they came back and said it was valid so I contacted an attorney to get in touch with XXXX  and verify the debt and they emailed back my attorney saying they have no recollection of the account ( I have the proof of this in the email ) so I then re disputed the XXXX  account to Experian yesterday ( XX/XX/23 ) and sent all the corresponding documents of them saying they have no recollection of the account and within a day on XX/XX/23 Experian came back and said they got with XXXX  and verified it as accurate which I don't see how that's possible because this isnt my account. I also reached out to XXXX  on XX/XX/XXXX and asked them to send me all the documentation to show that this belongs to me and I have not received any documentation back from them at all. 

They mention in the attached email that they needed the affected person to contact them and I had already done that and told them to deal directly with my attorney. I dont see how they can have no record of this account being mine but both XXXX and Experian are verifying it with this information. 


I can provide all this correspondence mentioned in my email and even had to get an attorney involved to try to settle this but Experian keeps immediately documenting it as verified.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payment information on my credit report for account number XXXX with XXXX My records show all payments were made on time, yet the furnisher reported late payments to credit bureaus. This discrepancy appears on all three major credit reports ( XXXX, Experian, and XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1666b, this constitutes a billing error. I have contacted the furnisher directly to dispute the information but have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Credence resource manage. I do not have a written contract with the collection agency.
Product: Credit card or prepaid card

Discrimination from XXXX XXXX after i was already approved completely rude offensive they approved me I made plans next day he rejected and hungup phone called me a XXXX CIT Financing External Inbox XXXX, XXXX XXXX XXXX XXXX  ( XXXX hours ago ) to me English Spanish Translate message Turn off for : English Good morning Thank you for signing your contract. After careful review and consideration, we are unable to proceed with your application. You will receive a letter in the mail within 30 days that explains things in more detail. Thank you for your time. 

XXXX XXXX XXXX  XXXX O : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The account 's where removed but put back on by other creditors.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report from TransUnion, which have significantly impacted my credit score and financial health. These errors need to be rectified immediately to prevent further damage. Here are the details of the disputed items : XXXX. XXXX XXXX Credit Card Account ( Opened on XX/XX/XXXX ) : The account shows a series of late payments, which are incorrect. Payments were made on time, but due to administrative errors, they were reported late. Despite multiple attempts to contact XXXX XXXX to correct this, the errors persist. 
XXXX. XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is incorrectly reported as in collection. I have never had an account with XXXX XXXX XXXX, and this appears to be a case of mistaken identity or fraudulent activity. 
XXXX. XXXX XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is reported in error as in collection. I have never opened an account with XXXX XXXX XXXX XXXX, indicating potential identity theft or clerical error. 
4. Public Record - Bankruptcy ( Reported on XX/XX/XXXX ) : The public record for bankruptcy is inaccurately reported on my credit report. I have a letter from the court stating that they do not report bankruptcies to credit bureaus. 

These inaccuracies have had a profound negative effect on my financial health, including my ability to secure loans and other credit. Given the severity of the impact, I am requesting an immediate and comprehensive review and removal of these erroneous entries from my credit report within XXXX hours.
Product: Credit card

-signed an agreement with Synchrony Bank to finance a sewer repair with XXXX XXXX on my phone ; truth be known the XXXX rep pressed the button for me.

-NEVER RECEIVED AND COMPANY REFUSES TO GIVE ME A COPY OF THAT AGREEMENT; they say XXXX XXXX  should supply that, but XXXX claims they don't have a copy and have tried to get it from the Bank but they won't even speak to them - I want to see in writing what the interest rate is because they have the regular rate and a promotional rate which is what I received supposedly but have nothing to prove that I did. They claim it is on my statement. Where?

- I made a mistake when I sent the first payment in, didn't get the full account number on the check, corrected it as soon as I was notified and paid them the right amount. There was supposed to have been no penalty for this error because of the timeliness of the correction.

-My bank account shows that I have paid them the correct amount each month since I took out this loan -they say I owe {$35.00} interest. Interest for what???? I can't get them to tell me. Maybe I do, but I don't know what for and I will not pay it until I am told what it is for -I believe they have made a mistake and won't correct it -I called and spoke with XXXX today , then XXXX, then asked to speak to the supervisor. They kept me on the line so long that my phone overheated. So I had to disconnect.

-Broken record : you owe {$35.00}, pay it by XX/XX/XXXX even tho I sent in my payment for XXXX and they didn't notify me of the {$35.00} til XXXX days ago! And there was no explanation so naturally I ask why. 
-They don't like it that I have my bank send the payment each month. They have not earned my trust. They can keep hounding me about my payment method, but it will not change until they explain themselves. I am an XXXX XXXX XXXX widow living on a fixed income. I watch my money. 
-This is a HUGE bank that really doesn't want you to speak to anyone. It is almost impossible to talk to a person and of all the phone calls I have made to them, I have only spoken to XXXX person that was civil, helpful and worked to resolve my problem or answer my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 Experian
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information that has been reported to my credit profile without my written consent. As per the provisions of consumer protection laws, I request that you investigate and rectify this matter promptly. 

Upon reviewing my credit report, I discovered, ( XXXX XXXX XXXX address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ) account number XXXX ( balance of {$570.00}. This information was reported without my authorization or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, creditors are required to obtain written consent from consumers before reporting any information to credit bureaus. As I have not provided such consent for the aforementioned accounts, the reporting is inaccurate and should be removed immediately. 
I kindly request that you conduct a thorough investigation into this matter Furthermore, I assert my rights under the Fair Credit Reporting Act to have accurate and fair credit reporting. If the inaccurate information is not corrected within the required timeframe, I reserve the right to pursue legal remedies available under the FCRA. 

Please acknowledge receipt of this dispute letter within 10 days and inform me of the steps being taken to investigate and resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the fraudulent account that has appeared on my credit report. Upon reviewing my credit history, I discovered an unauthorized account opened in my name without my knowledge or consent XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to file a formal complaint against Chase Bank due to the sudden closure of my account without any prior notice or valid explanation. As a longstanding customer with a commendable history of financial responsibility, I was surprised and distressed by this unexpected action. Despite numerous attempts to obtain clarification from the bank, I have not received any satisfactory explanation for the closure of my account. 

The sudden closure of my account has caused significant inconvenience and financial disruption. Without any explanation from Chase Bank, I have been unable to understand the reason behind this decision or take appropriate measures to resolve any potential issues. This abrupt action has not only impacted my personal finances but has also caused me considerable stress and frustration. 

I request your urgent intervention in this matter to ensure that I receive a clear and valid explanation from Chase Bank regarding the closure of my account. Additionally, I seek your assistance in ensuring that Chase Bank adheres to all relevant banking regulations and standards, providing customers with transparent communication and fair treatment. 

Enclosed with this letter, please find copies of all relevant documents related to my account with Chase Bank, including any correspondence that I have attempted to initiate with the bank regarding this matter. 

I am hopeful that with your assistance, I will be able to resolve this issue promptly and receive the necessary information to understand the reasons behind the sudden closure of my account. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this concern.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries listed on my credit report, as I have been a victim of a data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Please remove the following accounts from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my right. 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( 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. attached is a copy of the law that indicates my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX AND NOW XXXX Experian and XXXX have not disputed False information from my credit report. It claims it comes back as verified but thats inaccurate and they just got sued a few years ago for it. Experian isnt taking my dispute request serious and I have already started a class action lawsuit with the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Transuniin has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With XXXX they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With Transunion they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both Transunion and XXXX different dates also. Transunuon show XX/XX/XXXX & XXXX Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the 3 consumer reporting agencies.
Product: Consumer Loan

Cap one quicksilver. Got a new card and my XXXX transaction was declined, the company stating fraud. Was asked to email my drivers license which I did but was not comfortable doing. Can not use card.
Product: Credit reporting or other personal consumer reports

These hard inquieries are fraudulent and doesn't belong to me and need to be removed.Also the nest as well. Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>