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

I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts and inquiries related to the breach be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
Below are the accounts and inquiries that have been affected : Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$5700.00} XXXX. XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries to Be Removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have had my Citibank cc since I first purchased my house. It has remained a MasterCard but has been 're-assigned ' to various cc programs. It started out being a 7.5 % tied to my mortgage, then when CARD kicked in it went to 29.96 % and then later to 22 % on the ThankYou program. Now the ThankYou program is done and they want you to sign up for their money back on purchase program at 26 %, I did not sign up for this. 2 months ago I paid off this card. 2 weeks after paying it off I got a marketing piece informing me that if I purchase anything on my card up to XX/XX/2019 the rate of interest charged will be 2 %. During the next month I received 2 more of these marketing pieces. They all said 2 % interest on purchases made through XX/XX/2019. They did say that transfers were not eligible for the 2 % rate. Not in any of this material did it say that the rate would change once that purchase was made. It did say that purchases made after XX/XX/2019 would be at the current rate of 25-26 %. 3 weeks ago I had one of those emergency expenses that cost {$4500.00}. I went to the Citibank website and check marked the 2 % offer on purchases until XX/XX/2019 offer. On the website it said that transfers were not eligible and nothing else. I ran the charge on the card. Now get this, after making that charge I get a regular letter from Citibank, not marketing material, that told me after XX/XX/2019 my 2 % purchase will be charged at 26 % interest. So if it was XXXX of 2019 when I made the purchase I wonder what they would do? 

This bank has been financially ripping me off for years. I was late paying the account 7 years ago, and it was only once. ( my appendix ruptured ) I have seen these promotional rates before and they run until the amount is paid off on other cards. Not anywhere in the marketing material did it say the purchase interest rate would go up to any other rate. Do not let their marketing material mistake rip me off with the new higher rate of interest.
Product: Student loan

I am XXXX XXXX in the XXXX program. My loans through Wells Fargo are for my XXXX which should be deferred until I graduate in XX/XX/XXXX. Wells Fargo states that i withdrew from the XXXX program in XXXX of XXXX ( which never happened ) they now inform me that my loans are due XX/XX/XXXX, I have made numerous calls to Wells Fargo in regards to my XXXX XXXX status. They requested that I fax my current and previous class schedule which I did, now they want other forms filled out by myself and the school because they do n't know why I was told to send my class schedule. In addition my student loans online state they are in grace with XXXX due, if I have a payment due on XX/XX/XXXX and it 's currently XX/XX/XXXX should n't a payment amount be there?
Product: Credit card

on my credit report it shows that I have a debt through my current credit card. which I do not. i have a positive balance of over XXXX $ & that has been positive for months. I need that removed & updated please at your earliest convenience because it lowered my credit score by XXXX pts. thank you in advance Also, my credit report shows that my oldest account open is 3 months but ive had my current account opened for about 7-8 months, which could potentially affect my XXXX score in a positive way but this is holding me back, when they have the wrong information posted
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccuracies on my credit report, as these errors have significantly affected my credit standing. Despite multiple attempts to resolve these issues through your dispute process, the inaccurate information remains uncorrected, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging failures in properly investigating disputes and addressing inaccuracies. The issues raised in that case mirror my experiences. These include : Failure to remove or correct disputed accounts despite clear evidence of errors.

Lack of transparency and adequate responses during the dispute process.

Re-reporting of inaccurate information after disputes were resolved.

Attached are the following documents to support my dispute : A copy of my credit report highlighting the inaccurate items.

Evidence supporting my claims, including payment records, correspondence with creditors, and previous dispute
resolutions.

Identification documents to verify my identity.

I request that you : Reinvestigate the disputed items thoroughly and fairly. Provide me with a detailed response and explanation of your findings.

Remove or correct all inaccuracies immediately.

Please note that if these issues remain unresolved, I am prepared to escalate this matter to the CFPB or pursue legal action to protect my rights.

I appreciate your prompt attention to this matter and request a response within 30 days, as required by the FCRA. You may contact me directly at XXXX or via email at [ XXXX XXXX XXXX ] for any additional information needed to resolve this matter. 

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

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Show details XX/XX/XXXX Show details XX/XX/XXXX Finance XXXX  Banking please delete these fraudulent inquiries from Transunion
Product: Credit card

On Friday, XX/XX/year>, I received XXXX emails from the Capital One credit card company. The first was received at XXXX, stating that the mobile number required for security purposes had been changed, which was without my consent. The second email, received at XXXX, had stated that I was approved for their XXXXXXXX XXXX XXXX with a spending limit of XXXX XXXX dollars, which I personally did not apply for. The third email, also received at XXXX, had stated that the credit card would be paperless and accesible on the Capital One app, and that the account number ends with XXXX. The fourth and final email, received at XXXX, was an email verifying that I could see and use this credit card through the Capital One app, which I do not have, nor ever had. I tried calling all the numbers associated with security and fraud that were listed on the Capital One website, and I was unable to reach a human representative. However, of the numbers I did call, their general assistance number XXXX ( XXXX ) XXXX directed me to account management, and asked me to provide my social security number to see if I had an account associated with it, to which it said I did not. However, when I went to check if my social security number was used through the official website, it said that it was in use, as well as my full name and birthdate were associated with the account. Of the information that I was able to see, I saw that the current account holder 's phone number ends in XXXX. I then decided to called the governmental fraud department, which then directed me here as they were closed at the time I called.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, specifically the late payments for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. 
CBE did cash my check and continues to report the account on my credit report still as an unpaid account.
Product: Mortgage

An Explanation of Your Complaint I opened a mortgage account in XXXX with Bank of America for my rental property loan and setup auto payment for monthly mortgage payment, never had any issues. 

In XXXX beginning, I was traveling and forgot to review the house insurance for a week, Bank of America end up buying the insurance on my behalf and charged me. In this process, BOA Opened an ESCROW account ( without my knowledge ) and never closed after the job was done. I always manage my mortgage and other payments ( without any ESCROW account ). 

In XX/XX/XXXX, I started seeing missing mortgage payments as they were not applied to my mortgage account even though there was debit from my checking account. I started getting letters that I may need financial assistance etc. After investigation, I learned that portion of my monthly mortgage is being credited to the ESCROW account and hence the remaining amount is not sufficient to be applied against the monthly mortgage commitments. There were no communication from Bank about it. I visited XXXX XXXX several times, also visited XXXX XXXX XXXX XXXX BEGGING to Please close my ESCROW account as I DO NOT need it and my financials are in Good standing situation. 

Bank personnel kept promising me that they will follow up and ensure its closed. It Never happened. 

It is IMPACTING my HEALTH as I got so much Stress due to this USELESS issue and it has also impacted my Credit history. 

Few recent tickets were opened with BOA and I never heard back on the updates Ticket # XXXX Ticket # XXXX. 


I am Really really sick and tired - BOA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PLEASE HELP CLOSING IT ASAP.IM LOSING MY PATIENCE. 

CALL ME IMMEDIATELY.. 


XXXX XXXX XXXX
Product: Debt collection

attempt to collect a debt that I do not have to pay due to me having health coverage at that the time of this date XX/XX/2018 my health coverage is billed for this I had health coverage since XX/XX/2018 name of my health coverage is covered California which I have documents to support my statement. I would like it looking off my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE  XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS STELLANTIS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alerted that my social security number has been exposed to the dark web and the account listed on my credit is fraudulent.
Product: Checking or savings account

I received a tax refund and deposited the money into my chime checking account to act as a make shift savings account. I come home and check my email saying that chime closed my account I deposited XXXX. I dont remember the exact date but it was between XX/XX/XXXX and XX/XX/year>. Chime closed my account and had me send in proof of my self. A written declaration almost with myself in the background for a picture. My id my signed ssn the date and a number of other frivolous thugs. To this day I have not received any money and I reallly need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times about inquiries on my credit reports. I have NOT applied for a XXXX credit card in about 4 years. XXXX, back in XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from XXXX. These inquiries appear every couple of months and I have had 3 in the last 3 months
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/year>, I received several notification via text stating that the Cash App accounts for my personal use and for my business had been terminated due to violations of their terms of service. I reached out to Cash App support the same day to determine the reasoning for the account closure to which they responded and stated that it would take 60 business days to receive a response. On Saturday, XX/XX/year> ; I received an email from Cash App support which provided the same generic response that I in some way, shape, or form violated the terms of service without providing specifics on which terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Student loan

{$39000.00} in consolidated loans effective XXXX. Fixed rate 7.625 %. Repayment started XXXX XXXX at approximately {$250.00} per month, will end in XXXX @ {$880.00} per month. Majority of all payments through first 6 years were applied to interest only. Application of payments to principal & interest inconsistent for entire repayment period. Total payments to date exceed {$64000.00}. {$44000.00} has been applied to interest, {$20000.00} applied to principal. Remaining principal balance is XXXX {$22000.00}.
Product: Credit reporting or other personal consumer reports

My auto loan XXXX with XXXX XXXX has been with this bank for the last few years. I have reached out to inquire why my personal credit report is not showing any balance update or On-time payment history since XXXX of XXXX I have simply been directed to submit a dispute via reporting agencies vs a direct answer from the bank. The NON updated information has affected my personal credit score as my credit utilization is inaccurate and payment history which has resulted in an inaccurate score and led to less likely approvals for any credit applications. I would like for XXXX to promptly correct said information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name Account # XXXX XXXX XXXX DELETE XXXXXXXX XXXX XXXX DELETE XXXX XXXX XXXX XXXXXXXX DELETE XXXX XXXX XXXXXXXX DELETE 15USC 1681 Section 602 A. I have the right to privacy.

15USC 1681 Section 6049 ( a ) section 2 A consumer can not furnish a account without my written consent.

15USC 1681C ( A ) ( 5 ) STATES no consumer reporting agency containing any of the followint items of any adverse information, other than record of convictions of crimes which antedates the report by more than 7 years.

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

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. 
It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 
XXXX XXXX.