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

theBank Of Americaback in year XXXX  when the pandemic almost wiped out all of the human population ; theBank Of America ( FDIC Member ) recorded TWO ( 2 ) hard inquires for the amount of ONE credit card [ XXXX XXXX XXXX XXXX XXXX ] approval! 

I have recently been approved for an additional yet different credit card. BUT! Because of this atrocity that occurred in the year of XXXX, the hard inquired should be canceled out and/or deleted. 


Thank you for your time.
Product: Mortgage

I took out a mortgage with XXXX XXXX on XX/XX/2020. It was immediately sold to Select Portfolio Servicing, Inc. ( SPS ). For the first 4 statements from XX/XX/2020 thru XX/XX/2020 it states no prepayment penalty. All of a sudden on my XXXX statement it says YES. I called on XX/XX/2020 their customer service dept, spoke with supervisor XXXX who said he would have the payoff/cashiering dept/research dept. call me the next day. No all on XX/XX/2020. I called back this morning and he said I should have a call today, but no guarantees. I feel XXXX is just putting me off, and there is no fix insight. I will attach my closing docs and my statements for your review
Product: Credit reporting or other personal consumer reports

It has come to my attention that items previously deleted from my credit report have been reinserted without following the legal requirements. Specifically, you failed to provide written notice of the reinsertion within 5 business days as mandated. Additionally, you did not certify that the reinserted items were accurate and properly validated, according to the statute. Under 15 U.S.C. 1681i ( a ), you must complete reinvestigations within 30 days and ensure that any inaccurate or unverifiable information is immediately deleted from my file. 

I demand that you remove these items from my credit report without further delay. Failure to address this issue promptly will leave me no choice but to seek legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

Fradulent accounts are on my credit report that is damaging my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an hard inquiry on my credit report from a company that I did not authorize from XXXX option 6 on my Experian credit report. I never spoke To a company or Authorized this company to pull my credit report
Product: Credit card

Reported Agencies XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, are in possession of stolen credit card and/or personal information. Companies did unlawfully obtain and use credit card ( social security number ), without knowledge and/or consent of affiant. Company has unlawfully/illegally transferred information related to this stolen account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS EVICTED FROM XXXX XXXX XXXX THEY REPORTED INACCURATE INFORMATION TO XXXX,   XXXX AND THE DEPARTMENT OF LABOR, THE DEPARTMENT OF JUSTICE INCLUDING IDENTITITY THEFT WHILE I WAS IN THE HOSPITAL MENTALLY INCAPACITATED XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
Product: Checking or savings account

I closed my account on XX/XX/year> I waited and waited for the {$1500.00} check which was the balance on my account They harassed me quiet a bit on closing my account Then when I didn't receive my funds _ i called them - multiple times they told me to wait Finally they said I was supposed to have signed for my check- but I never got any notice from XXXX, XXXX or XXXX Then they said to wait longer as the check had to get back to the bank Then they asked me to call XXXX and talk to XXXX XXXX. Called 3 times - he never called me back Then called the branch and they said to call customer service Customer service says they still haven't received the money It is 5 weeks not and they are refusing to give me my money back A bunch of crooks. Can't believe they are still in business
Product: Debt collection

I discovered fraudulent accounts on my credit report. Please take them off as theyre harming my credit score.
Product: Vehicle loan or lease

I bought my car XX/XX/XXXX. Everything was fine after that. A year into my loan I was being charged extra fees I had no idea about. Welk that stopped after I complained and fast forward until now. I called XX/XX/XXXX and was told I owe a whole payment but was never told for what month after several and several times asking. XX/XX/XXXX I looked at my XXXX  XXXX  app and saw where my interest rate is 19.38 percent. But my paperwork says 18.00 percent. I called the finance company and they had no answers for me what so ever. But another year was added to payoff. My loan is only for 6 years and that is until XXXX. I cant get answers out of anyone. The finance company is Santander Consumer
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE : XXXX XXXX ACCOUNT NO. XXXX BALANCE : {$5800.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE {$24000.00} XXXX XXXX  ACCOUNT NO. XXXX BALANCE : {$0.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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: Debt collection

called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company
Product: Vehicle loan or lease

I have a financed approved in XX/XX/2017 for my XXXX XXXX thru Capital One auto Finance, and I'm making payments since them and it did never being report to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. ALLY XXXX is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( ALLY XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing erroneous information on my credit file. These accounts are violating my rights under USC 1681. According to Section 604 ( A ) ( 2 ), a consumer reporting agency can not furnish an accounts without my written instructions. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse items of information, other than records of convictions of crimes, that is more than seven years old. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. 

The following accounts/items does not belong to me and was opened without my consent, permission, or authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Request for Compliance FCRA XXXX XXXX. XXXX & Inaccurate Information on Credit Report Dear Equifax I am writing to formally request your immediate attention to inaccuracies on my credit report and to ensure compliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. I previously submitted a dispute regarding certain items on my credit report ; however, upon review, it appears that the dispute process was not handled in full accordance with federal law. 

As a consumer reporting agency, you are required under the FCRA to conduct a reasonable reinvestigation of any disputed information and provide a written notice of the results within XXXX business days after completing the investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ). It appears that this process was not properly executed in my case. 

Additionally, I have identified the following violations of your legal obligations under the FCRA : Failure to forward disputes to furnishers in a timely manner ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( XXXX XXXX. XXXX ( b ) ) Based on these concerns, I respectfully request a thorough review and, if applicable, the removal of the following items that do not meet the XXXX accuracy and completeness requirements : XXXX XXXX XXXX XXXX- PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX =PLEASE DELETE IMMEDIATELY XXXX XXXXXXXX XXXX -PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXXXXXX XXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX- PLEASE DELETE IMMEDIATELY Under the FCRA, if these disputes are not resolved within the legally mandated timeframe, I am entitled to request the removal of these items from my credit report. I urge you to take immediate corrective action in accordance with federal law. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ). 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide written confirmation of your findings and any corrective actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 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 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 card

After a period of travel I had an extra charge for a car rental on my credit card. I called the car rental and they said it was an error and removed the charge. I called the credit card company multiple times and the charge still keeps coming back. Every time I call I have to sit on hold for at least half an hour. There is no message center on the website to send the company a message. There are no alternative ways to dispute other than call and wait on hold and they make it impossible to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times to file a dispute for multiple fraudulent inquiries on my credit report. I spoke to a supervisor in the special handling department who advised me to file a report because the inquiries keep coming back as verified. I did not authorize these inquiries nor do I have any knowledge of them. I filed a dispute with Transunion on XXXX for the following inquiries : XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, SXXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. All of these inquiries are considered fraudulent. I have filed a report with the federal trade commission to report myself as a victim of identity theft, I will attach that report as well. These amount of inquiries are holding me back from moving forward with my credit. I have already attempted contacting all of the creditors. XXXX XXXX took down my information and gave me several reference numbers and XXXX just informed me to contact Transunion. They all say theres nothing they can do, they state Transunion is the one who can make the deletion. Please remove these fraudulent inquiries off of my credit report.
Product: Debt collection

I am making a dispute against PORTFOLIO RECOVERY in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion, XXXX, and XXXX for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXX credit card account ( XXXX XXXX XXXX XXXX  ). Despite providing ample proof over the past XXXX years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : XXXX days past due as of XX/XX/XXXX I have only XXXX reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to TransUnion, XXXX, and XXXX that this reported XXXX late payment is inaccurate. Specifically : XXXX XXXX : I have provided my XXXX XXXX XXXXXXXX XXXX statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
XXXX XXXX Compliance : As per XXXX XXXX guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards. 
Lack of XXXX : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report. 
This inaccurate reporting has severely impacted my XXXXredit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.
Product: Credit reporting or other personal consumer reports

I have several accounts and inquiries on my credit report that I do not recognize and when I reached out to the companies that is noted for verification of said accounts, I have not been provided with the information, but the items still remain on my report.
Product: Debt collection

In XX/XX/XXXX, I received a collection notice from Armada Corp of Nevada. This notification referenced a dollar amount {$770.00} only. This dollar amount was not familiar to me and I have paid every medical bill I've received. The notification did not reference the date, any creditor info or details of the dollar amount. I called Armada. Requested supporting docs be emailed to me. Armada stated they didn't have ability to email. Requested supporting docs be sent via postal mail. To date, nothing received. Today, I was served with a Small Claims Complaint for this {$770.00}. I immediately called Armada, spoke with XXXX, advised her that I never received any supporting docs on this matter. Requested emailed docs again. Was told again that she didn't have the ability to email. XXXX will mail the supporting docs. XXXX stated that this {$770.00} was for a doctor back in XX/XX/XXXX. That was 3 years ago. I don't have any bills, invoices, statements from any entity that are unpaid. You can not retain and hold bills for 3 years, fail to provide supporting docs, fail to email, mail or call and then sue someone. If the debt is valid, I will pay the {$770.00}, but to date, I have not received anything, after requesting it, to support this debt.
Product: Debt collection

I wish to file this complaint against Portfolio Recovery Associates , LLC ( PRA ). PRA is a debt collection agency that has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit bureaus.

Specifically, PRA has reported that I have a delinquent account with XXXX XXXX. I have requested that PRA give me all documentation of this account and payments, without correct respond and they have refused to remove the inaccurate information from my credit reports. 

As a result of PRA 's inaccurate reporting, my credit score has been significantly damaged. I have been denied loans and credit cards, and I have been forced to pay higher interest rates on my existing debt.

I am requesting that the CFPB investigate PRA 's conduct and take appropriate action to protect my rights. I am also requesting that the CFPB order PRA to delete the inaccurate information from my credit reports.

I have analyzed the FCRA website, and I believe that PRA 's conduct violates the following provisions of the law : Section 1681a ( a ) ( 1 ) : PRA has failed to ensure that the information it reports to the credit bureaus is accurate and complete.

Section 1681b ( a ) : PRA has failed to provide me with a copy of my credit report upon request.

Section 1681c ( a ) : PRA has failed to investigate my dispute of the inaccurate information.

Section 1681i : PRA has harassed me in connection with the collection of the debt.

I have also analyzed the lawsuit that you linked to, and I believe that it provides further evidence of PRA 's history of violating the FCRA. In that lawsuit, the CFPB alleged that PRA engaged in a pattern of unlawful debt collection practices, including : Misrepresenting the legal status of the debt Harassing consumers Using unfair and deceptive tactics to collect debts The CFPB ultimately ordered PRA to pay {$24.00} million in damages and to implement a number of reforms to its debt collection practices.

Based on the information that I have provided, I believe that PRA has violated my rights under the FCRA and that the CFPB should take appropriate action to protect my rights. I am requesting that the CFPB investigate PRA 's conduct and order PRA to delete the inaccurate information from my credit reports.
Product: Debt collection

Past due debt paid on XX/XX/XXXX Moneylion XXXX account : : **Instacash debt owed in the amount of {$110.00} from previous debit account loan from XX/XX/XXXX paid from external linked account in full. 
XXXX XXXX XXXX XXXX debt owed in the amount of {$330.00} from Moneylion XXXX account loan from XX/XX/XXXX paid from external linked paid in full. 
**Instacash loan opted into by imposter associated with Identity theft. 
XXXX XXXX XXXX XXXX in the amount of {$500.00} opted into by imposter associated with Identity theft. 
** Unauthorized transactions disputed in my account and I was told that I was authorizing these disputed suspicious activities because the imposter shopped locally as if it were my activities being performed. 

I've been communicating with the financial institutions with no outcome. All detailed information is documented by myself and available upon request. 
I am owed in total {$2100.00} in unauthorized transactions caused by identity theft and the poor administration within Moneylions company. 

The past due previous debt owed is not reflected in my account but registered as loans however. My account also reflects a {$500.00} loan as a charge off on my credit report causing damage to my overall credit score. I would like the negative information removed because the debt was unauthorized and is a result of identity theft.
Product: Debt collection

I have told this company dozens of times they do not have the right phone number for the debt they are trying to collect on. It doesnt belong to me- and I continue to fight it. Further, they have required me to download and pay for call filtering apps to stop their INCESSANT phone calls. I tried complaining previously that they call me repeatedly after asking them to stop. But their response was we are not authorized to speak with the CFPB because person has not authorized us to do so. How am I going to authorize anything when I told them to stop contacting me by phone and I will only accept things by mail? In writing?