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

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX  XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. 

# # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA.

# # # Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law. Failure to address this issue may result in further action to enforce my rights under the FCRA.
Product: Debt collection

Dear Sir/Madam, I am writing to formally request clarification regarding the procedural framework and investigative process undertaken by Bank of America in relation to the charge-offs of two credit card accounts, referenced below. Please note that I am not disputing these accounts ; rather, I am requesting a fact-finding inquiry to ensure accurate record-keeping. 

Accounts : Mastercard ( ending in XXXX ) Travel Rewards ( ending in XXXX ) Over the past few years, I have sent several letters and had numerous conversations with Bank of America regarding these accounts, particularly addressing issues stemming from financial hardship, mostly including employment loss. In each instance, I requested documentation to substantiate the actions taken by Bank of America yet was told it couldnt be given. However, the documentation I finally did receive in XX/XX/year> failed to meet the specific requirements I outlined in my correspondence. 

To assist me in ensuring that my records are accurate and complete, I respectfully request the following information concerning the above-listed accounts : I have not received any documentation from Bank of America regarding the official charge-off details or the actions they took in this process. 

To assist me in ensuring that my records are accurate and complete, I respectfully request the following information concerning the above-listed accounts : The date of the first delinquency for each account The date of the last payment made on each account The official charge-off date for each account I kindly request that the requested information be provided to me in writing, as I am keeping a detailed record of all communications. Please ensure that this information is sent to the address listed above. I would appreciate your prompt attention to this matter, and I respectfully request that the details be provided within 30 days of receipt of this correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see page 2 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. XXXX XXXXhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please removXXXX it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I received a call that went to voicemail saying : This is an urgent message intended for my name is XXXX contacting you in regards to a complaint scheduled to be filed out of XXXX XXXX if you will not be available receive and sign for documents or if you are unaware of anything pending, it is urgent that you contact us back, at XXXX with reference number, requires immediate attention or we will be forced to move forward without her participation. 

I called back and they said they are calling on behalf of a creditor for a previous car loan back in XXXX. Saying I owe {$6400.00} I ask them for what vehicle because I did not have a vehicle solely in my name for 12 plus years and since been divorced from my ex husband. They said they will not give me the year make and model of he vehicle so I can be sure that the account or money owed is actually my debt and to get this information I would have to subpoena them for validation of debt and by that time I would already be sued by them and they will add an addition {$1500.00} in court because they rather get extra money than to give me all the info over the phone to prove to me that the debt belongs to me. I am unfamiliar with any of this information they provided. They claim they sent a letter I never received and now they are forced to move forward with suing me. I asked them for some type of documentation to understand what was going on but they only agreed to send me and email with a document. I asked them how long I have to respond and they gave me 48 hrs. I received the email but there is no address. I called back to get the address and the address they gave me doesn't contain any information regarding their name XXXX XXXX XXXX XXXX. I tried to reverse lookup the number and im only getting a website saying other people were called with the same issue by this number. Also, when I called the number there is no name or anything just a generic the person you have called is unavailable please leave a message. I called back and then got a guy who wouldn't tell me what all this was about. I call back again Then I got a girl named XXXX XXXX who says she has an assistant named XXXX XXXX who sent me the email. I voiced I was concerned that this was a scam and that I would like to make sure that the debt belongs to me. And she said the email was all they could send, and only when I'm sued and summoned to court will I get all of the information regarding the debt. Also Im concerned because I live in XXXX  and any debts I have is only from my previous residency in XXXX.
Product: Mortgage

I have a first mortgage with US bank with account number XXXX. We are demanding payout for my home sale to opendoor scheduled to be closed on XX/XX/year>. This is to avoid an auction scheduled by XXXX XXXX ( my 2nd mortgage ) on XX/XX/year>. 

US bank refuses to give a timely payout amount requested by escrow. They say it is because I filed bankruptcy recently. Yet the bankruptcy was dismissed on XX/XX/year>. I have emailed them the dismissal weeks ago. This is public information on court system pacer. It does not need so much time to update. 

US bank has been working with XXXX XXXX to get my home on auction. This included falsify business banking statement. I wrote a check to XXXX XXXX which was cashed in my US bank account. Yet, later, US bank changed my statements and that cashed payment disappeared from my US bank business account. 

This time, they delayed giving me the payout amount, and try to put my home on auction. We have all the paper to proceed with the escrow closing, and their payout letter is holding up our sale. 

I need your help to make them provide payout letter immediately and investigate the relationship between XXXX XXXX and US bank. Why US bank help XXXX XXXX repeatedly to put my home on auction? 

Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Debt Validation Request to Nelnet, an email confirmation was sent to me XXXX/XXXX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from Nelnet stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a XXXX balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.
Product: Credit card or prepaid card

Synchrony Bank decreased my credit limit on my credit card from {$8000.00} to {$520.00} without any Adverse Action Notification or any notification at all. The decrease in the credit limit has adversely impacted my XXXX XXXX.
Product: Credit card or prepaid card

Discover enrolled me in a Payment Protection Program back when I first signed up for the card. Since then it appears to have been on my statement as a small fee that would has gone unnoticed for the full length of my membership with them. Upon calling Discover all anyone can say is that I gave permission for them to charge me over the phone without any additional information, recordings, or names. They then continue to state again all that they attempt to do keep members aware that they are being charged these fees with no statements as to how I was specifically enrolled originally or what they are doing to address such concerns in the future.
Product: Debt collection

Knights adjustment continue to send these debts to a business XXXX XXXX that has been dissolved in the state of Utah. It is a non collectible debt. Additionally, all members of the XXXX are dissolved from the business. The debt occurred due to fraud and identity theft. Secondly, there is no itemized statement of what XXXX XXXX is being charged for and Utahs statute of limitations in regards to this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

AES is reporting 120 days late remarks on my credit report for XXXX accounts AES/XXXX and AES/XXXX. I completed a student loan rehabilitation program years ago and paid loans on time monthly as soon as I became employed ( I lost my job and defaulted on loans prior to rehabilitation ) in any event i was told after XXXX mos of on time that loan would be out of default and derogatory lates will not be reported and I made actually more than XXXX months because AES was paid in full as I consolidated with myfedloan servicing because I 'm now a fed employee. The accounts are still reporting derogatory 120 days late yet AES /pheaa is showin current closed and paid AES/XXXX and AES/XXXX accounts need to stop reporting old late payments as promised and they defaulted before statute of limitations and should be removed from repeats
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 



Account - XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Tried refinancing my mortgage with my current mortgage company, XXXX ( recently acquired by Freedom Mortgage ). I was told by both the loan officer and loan processor that I can use my payment from XXXX towards the closing costs of the loan. We closed on XX/XX/XXXX, the loan processor assured me that no payment was needed to be paid for XXXX as my loan was going to be funded and would cover any outstanding amounts. On around XX/XX/XXXX, I received a message from both the loan processor and loan officer saying that I was not going to be able to refinance my loan because the loan didnt fund on time and I had a late payment on my account. They reported XXXX as late to the credit bureaus, lowering my credit by over 80 points. I was also told that I wouldnt be eligible to refinance my loan for another 6 months. I spoke to one their VPs and he assured that they would fix the mistake as I had followed all their instructions and it was their fault that this problem had happened. They removed the negative mark from credit report and assured me that we were going to be able to go through with the refinance. I filled out all the paperwork for the new refinance and was waiting for a new closing date when yesterday I received a message from a new loan officer saying that they will not honor their promise to allow me to refinance because of the missed payment in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain copy of my credit report and noticed inquires i did not authorize
Product: Debt collection

This agency continues to call my home despite explaining I 'm not the person there 're looking to locate.
Product: Checking or savings account

on XX/XX/2017 I filed a complaint with Bank of America after there was a fraudulent transaction was made on my account in which {$350.00} were withdrawn through a teller transaction that occurred on that same day. I explained to the fraud and claims department that I had visited XXXX XXXX XXXXXXXX the weekend prior and I had visited several businesses where i used the card and had also utilized an ATM. I did however still have the card in my possession. After investigating, Bank of America chose to deny my claim saying that both a debit card and correct pin were used ( even though i still had the original card in my hand at the time of the fraudulent transaction ). I appealed the decision and by XXXX my appeal was denied once again. After looking through various governmet resources and statues, it seems that my situation warranted for me to only be liable for a maximum of {$50.00}, however, Bank of America has chosen to ignore their responsibilities in keeping their customers data and financial holdings secure by allowing the illegal and fraudulent copy of a debit card to be used in a teller transaction without any form of scrutiny whatsoever.
Product: Credit card or prepaid card

I've been a chase member for almost 2 years maintaining 100 % on time payments while never getting close to my limit. one day i looked and my account is closed yet processing multiple unauthorized payments. i contacted multiple chase reps and noone had an answer for me. Ive never breached my side of the contract but they certainly have.
Product: Credit card

I have had several complaints with Chase Bank -specifically my Chase Southwest Airlines Card and these complaints have not been thoroughly addressed and answered. 

First and foremost, I have been a victim of identity theft and my credit reports reflect this and as a result, there has been severe damage to my credit report. 

With this being said, Chase has been nothing short of a nightmare to deal with and they have caused me great XXXX and stress and have been a detriment to my mental health. 

Chase closed my Southwest Card unbeknownst to me and I never recieved and notification stating that the account would be closed and closed without notifying me. 

In additon, Chase sent me several letters stating they investigated my fraud claims and that I " recieved benefit '' on the fraud claims that I clearly did not recieve benefits on. Therefore I want to know extensively and a detailed report on the " investigation ''. Not to mention, Chase suddenly decreased my credit line without notification either. Chase has caused me to have severe anxiety and I am unable to sleep and it has affected my work and home life I have had nothing but a terrible experience with Chase Bank and their representatives. They were never helpful and were always quick to be rude and make me feel the the lowest I have ever felt in my life. 

I deserve an explanation to my complaints and concerns and I want them to be addressed thoroughly in writing. It is my right as a consumer to have complaints sent to me in writing only. 

Per 15 US Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

MACYS/DSNB XXXX