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

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My only name is XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My only date of birth is XX/XX/year> You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Checking or savings account

I had a checking account with Key Bank that I used sparingly. I recently went in for a transaction and was told that my account had been closed. 

I had {$40.00} in the account. I contacted Key Bank and they returned my call. They told me that they had begun charging me a XXXX XXXX  monthly fee and closed my account after the funds ran out. I had a free checking account with no minimum balance and should not have been charged a fee. 

I never received any notifications via email or US mail, or phone calls, text messages, or any communications at all that they were charging me a fee or that my account was closed. 

I don't understand how they are allowed to simply take my money without notifying me. They had my physical address, email address and phone number.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On the XXXX of XXXX, I upgraded my cobranded Chase XXXX XXXX XXXX  ) credit card after receiving a promotional offer on the XXXX site. The offer stated that I would receive XXXX bonus points and {$250.00} off a future stay if I upgraded to the XXXX card. I accepted the offer and have since received the XXXX bonus points, but not the {$250.00} credit. I then contacted both XXXX and Chase, but neither company has been able to honor the terms of the upgrade.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

In XXXX of 2022 a check that I wrote on my XXXX account for {$1100.00} and had made payable to XXXX XXXX was " washed ''. The Pay To line was replaced from XXXX XXXX to XXXX XXXX and the check for {$1100.00} was cashed and the funds taken out of my account. As soon as I realized what happened I alerted XXXX, who handle my checking account using UMB ( United Missouri Bank ). They assigned me a case number and gave me 14 days to send them supporting documentation which I did. The letter I received from them stated that the bank they use for the checking account United Missouri Bank had 120 business days to investigate. We are now long past that and neither XXXX nor UMB will assist me in resolving this matter. The last time I called my XXXX account rep ( because I do not have a UMB rep or number ) in XXXX I was told not to bother them about this. I do not know who XXXX XXXX is and you can clearly see on the check that I had the XXXX  XXXX account number written on the bottom as a reference and also you can see that my handwriting does not match XXXX XXXX ' handwriting. This is theft and or fraud and XXXX and UMB are not willing to help me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX OF XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX OF XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date. 
Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this. 
Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( XXXX ) credit reporting agencies, TransUnion, XXXX and XXXX has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX ) XXXX. Online services # XXXX 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 an account without my written consent
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against [ TransUnion ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge and a Bankrupcy that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : Bankruptcy discharge documents from 2017. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ TransUnion ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge that took place in 2017. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : Bankruptcy discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report ( Identity Theft ) Dear Credit Bureau Dispute Department, I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate. These inquiries were made without my consent and are a direct result of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 604, hard inquiries require my explicit authorization. Since I never gave permission for these inquiries, I am formally requesting their immediate removal from my credit report.

Unauthorized Hard Inquiries ( To Be Removed ) The following inquiries are fraudulent and should be deleted from my credit file : Creditor Name. Date of Inquiry XXXX XXXXXX/XX/year> FCRA Violations & My Rights FCRA 604 A hard inquiry requires my explicit authorization.

FCRA 609 I have the right to request verification of my signed authorization.

FCRA 611 I have the right to dispute and remove inaccurate or unauthorized credit report information. 

Since I never applied for credit with these companies, I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit file.

2. Written confirmation that these inquiries have been removed.

3. A copy of the documentation proving that I authorized these inquiries. If no proof is available, the inquiries must be deleted.

If the credit bureau fails to investigate and remove these unauthorized inquiries, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with FCRA regulations.

Supporting Documentation Included : 1. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Proof of identity ( Drivers License, Social Security Card, and Proof of Address )
Product: Debt collection

I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.
Product: Credit reporting or other personal consumer reports

account # XXXX To Whom It May Concern, Thank you for your response to my complaint dated XX/XX/XXXX. I appreciate the time you took to investigate the matter. However, I must respectfully disagree with your findings and would like to address the concerns in greater detail. 
1. Discrepancy in Reporting : I maintain that the information being reported to the credit bureaus is inaccurate. While you state that payments for XXXX, XXXX, and XX/XX/XXXX were not received and subsequently charged off on XX/XX/XXXX, this does not justify continuing to report an inaccurate balance. Once an account is charged off, the balance should be reported as {$0.00} in accordance with industry standards unless the debt has been sold or transferred. Please provide clear documentation that supports the balance of {$16000.00}, including a detailed accounting of the alleged debt. 
2. Verification of Debt : I am requesting that you provide the following : A copy of the original agreement or contract that establishes my obligation to pay the stated balance. 
A complete payment history showing all payments made, fees assessed, and how the current balance was calculated. 
Proof that XXXX XXXX XXXX is legally entitled to collect this debt or assign it to a third-party agency. 
XXXX. Good Faith Resolution : While I understand your obligation to accurately report to credit bureaus, I respectfully request that you reassess the account balance and work with me to resolve this matter fairly. If the balance can not be adjusted to {$0.00}, please provide a detailed explanation as to why the account was not settled as part of the charge-off process. 

I am willing to work toward a resolution that satisfies both parties. If you are unable to provide sufficient documentation or validation of this debt, I respectfully request that you correct the inaccurate reporting with all consumer reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX
Product: Checking or savings account

My husband bonus from XXXX XXXX  and work pay roll were submitted into my account and shortly after chase decided to hold my account making us cancel our whole summer vacation! I need the money there was about {$3000.00} in there.
Product: Credit reporting or other personal consumer reports

the companies have lest on my credit report accounts that are clearly not mine and i have requested verification and asked for them to be deleted such as XXXX XXXX XXXX jpmcb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I responded to results from a disputed public record information being reported on my credit report by TransUnion they claim they verified as accurate. Trans Union received my dispute along with supporting documentation by certified mail, signed for on XX/XX/2020. But has not responded to my request for reinvestigation, and it is now the end of XXXX. The reason I ask TU to reinvestigate is because they said in a in a earlier XX/XX/2020 result that they investigated and verified the information was accurate with the furnisher and they they proceeded to give me a name of a third party vendor XXXX XXXX, but on my credit report it lists a Court name that doesn't actually exist along with a address. I proceed to go to the address to see whom should I address my concerns with about the recent TransUnion investigation. I was told to contact the court administrator by mail and address my inquiry. Their response to me was that they did no investigation for Trans Union and they do not workwith or furnish any information to any of the Credit Bureaus. They I reach out to the vendor XXXX XXXX and they inform me that they do no supply information to the credit bureaus or do there investigation because they have no first hand knowledge and do not work for the Credit Bureau. XXXX XXXX informs me that I still have a freeze on my consumer report and they it has not been access or requested in years let alone for any investigation. 
This fact alone maybe the reason Trans Union never replied or reinvestigated my public records dispute after supplying them with documentation or there false reporting. 
Trans Union never open started or investigated my public record disputed they sign for on XX/XX/2020. 

There are multiply FCRA violations going on here. 
1. They did not and could not have investigated disputes with the furnisher they reported to have investigated with, I have proof of that.

2. They are listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report.

3. Trans Union did not provide me with original documenttion proving their investigation and result. They did not provide me with the Method of verification documents I requested.

4. They did not do a proper investigation according to FCRA 5. It's been well over 57 days and they were in violation on the 31st day So I would say any entity reporting on my credit report need my consent and I consented to no XXXX XXXX or to no Court of Law listed falsly on my credit report The FCRA is very clear on dispute have to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. 
The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. 
Both entitis has said as much to me per the documents I am submitted.
Product: Debt collection

Recieved a letter from XXXX XXXX with XXXX XXXX Stating that i owe a debt for a bank account with Providian National Bank which ive never held an account with.
Product: Credit card or prepaid card

On XX/XX/2021 I started my first dispute about XXXX XXXX XXXX XXXX XXXX {$2200.00}. At that time, they closed my claim without letting me know the reason. Please I would like copies of all documents that XXXX XXXX XXXX presented to the bank. I also want the " before and after " photograph of me that she sent to the bank to prove her case. Thanks.
Product: Credit reporting or other personal consumer reports

on XXXX XXXXXXXX of 2023 i sent a letter to transunion asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request
Product: Credit card or prepaid card

Ulta/Commenity capital bank make fraudulent charges, fees and interest to my account after Ive made multiple final payments over the phone, last payment made XXXX XXXX to clear the account and even received a confirmation number and was told I would get a receipt in the mail. I received an even bigger statement in the mail without my payments being applied. The payments were never applied or cleared and I asked the supervisor to go back through the recorded calls on that day but they refused and are charging me even more money and refused to solve the issue. I was told my account would be cleared and closed and it is unusable, but they still make expensive charges to it without my knowledge since the phone call.