23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through Elan Financial Services. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead Elan Financial Services pulled a hard  inquiry and I was informed that they pulled my XXXX XXXX credit report. I did not receive confirmation of the denial. 

I contacted Elan Financial services about the reasons of their decision, based on the information supplied by XXXX XXXX, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. 

Even after review/consideration Elan Financial services refused to grant or extend credit. Even after I expressed that the information supplied by XXXX XXXX was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. 

The application procedure did not inform me of my rights under the equal credit opportunity law, nor did Elan Financial Services informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. 

The inquiry conducted by Elan Financial Services was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of Elan Financial.  The inquiry was a mistake and I am requesting XXXX XXXX to delete the inquiry on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX  XXXX XXXX # XXXX I do not have an account with XXXX XXXXXXXX XXXX XXXX I was never provided with any contract! This is a violation of the fair credit reporting act please remove immediately or else I will seek XXXX XXXX of {$1000.00} for each violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and seek immediate assistance concerning fraudulent inquiries on my credit report resulting from an identity theft incident that occurred several years ago. 

Recently, I reviewed my credit report and was alarmed to find multiple unauthorized and fraudulent inquiries. These inquiries are significantly affecting my credit score and overall financial well-being. As a victim of identity theft, I have already contacted the relevant credit bureausXXXX, Equifax, and XXXX report these fraudulent activities and request the removal of the unauthorized inquiries. Despite my efforts, these inquiries remain on my credit report, causing me continued distress and harm. 

Please remove the following fraudulent inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) I kindly request the Consumer Financial Protection Bureau 's urgent intervention in this matter to ensure that these fraudulent inquiries are removed from my credit report promptly. I have taken the following steps to address this issue : Contacted Credit Bureaus : I have submitted formal disputes with XXXX, Equifax, and XXXX regarding the fraudulent inquiries, providing all necessary documentation to support my claims. 
Filed Police Report : A police report has been filed regarding the identity theft incident, and copies have been provided to the credit bureaus. 
Placed Fraud Alerts : I have placed fraud alerts on my credit files with the major credit bureaus to prevent further unauthorized activity. 
Despite these actions, the fraudulent inquiries persist, and my attempts to resolve this directly with the credit bureaus have been unsuccessful. The prolonged presence of these unauthorized inquiries on my credit report is unjust and is causing undue hardship. 

I have attached a copy of the police report from when my vehicle was broken into and my identity was stolen, I also attached a copy of the latest FTC Report that I filed last year. 

I implore the CFPB to assist me in ensuring that the credit bureaus adhere to their legal obligations to investigate and remove these fraudulent inquiries promptly. Please find attached copies of my dispute letters, police report, and other relevant documentation for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue and restoring the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card being reported by XXXX, XXXX and TransUnion. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

To Whom it May Concern, The repeated telephone calls are not from Grant & Weber Inc. to me, they are from me to Grant & Weber. I have tried MULTIPLE times to call and nobody ever picks up the phone. I have left MULTIPLE voicemails and a call has yet to be returned. These calls have taken place almost daily for XXXX weeks. 

I do not recognize the collection that they are reporting and need more information, but it is impossible to contact them. I feel that they are in violation of the Fair Debt Collection Practices Act by not allowing communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : XXXX Opened XX/XX/2019 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting

Contacted XXXX collection agency and original creditor, neither could provide detail information regarding this account. the collection agency states they dont have to account anymore it was pulled from their services. All that was give to me from the original creditor was account number and my personal information that was used. No further information regarding discharge info or signature of documents. I have disputed this and have yet to get a responseCollection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid charter communications through Enhanced Recovery system and it is still reporting unpaid. I have proof letter from them. Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : 1. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX  XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXXXXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX  Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children. 

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of racial equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently addressed illicit reporting of my Wells Fargo debt to XXXX, via the CFPB Website. XXXX stated an investigation would transpire as affirmed by their response. In the midst of the investigation XXXX updated my Wells Fargo Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX. 

This is part of the settlement agreement with Wells Fargo was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this. 

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB. 

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.
Product: Credit card or prepaid card

Well problem is after all the return I expected to see a XXXX ' balances but I still had a balance so it was XXXX when I called XXXX XXXX which is my XXXX credit card store right now is XXXX and I just hung up the phone on the represanative There is no purchase protection this bank are cheap sluppy disorganized During the 2 hour I waisted on the phone I have been transferred to 8 different rep and keep tossing like a basketball between different departments and no one knows what 's going on then after all this time the repressnetive instead of choose the short way and just dispute she decided to call the merchant after 3 months?????
Product: Credit card or prepaid card

Hello good day! Hope you're doing well, reason I'm typing this is because I have several hard inquires on my credit report that are unauthorized, I already spoke with the creditors ( Capital One ) and credit bureaus specifically XXXX and was recommended to make a CFPB report about this situation
Product: Credit card or prepaid card

During spring/summer of XX/XX/XXXX, I was attempting to refinance my home. In an attempt to provide debt relief and get some of the items off of my back, my credit union helped me with a private loan to pay off credit card debt. On XX/XX/XXXX, I called XXXX XXXX and told them I needed the most recent statement to provide to my credit union so that they could cut a check paying the account out and I requested to have the account closed. While I was on the phone with them, I shredded that card plus a Total card managed by the same company and notified them I was doing so. In addition, I wrote them a letter also dated XX/XX/XXXX following up on the request I made via phone. I went to my credit union and a check was cut and mailed to XXXX XXXX dated XX/XX/XXXX for both this account and the other account I had with them. I subsequently received a letter from them telling me the account was closed however I'd incurred charges later in XXXX. I questioned them how I could possibly owe anything on a card that was closed and shredded on XX/XX/XXXX. They had no legitimate answer other than them not being made aware the account was being closed and it takes time for it to happen. I noted to them the card had been closed and shredded on XX/XX/XXXX. They sent me an affidavit asking me to file a police report and provide a bunch of other information. I did not see it necessary to file a police report and waste law enforcement 's time when the error is theirs. To date, they continue to send me statements and are reporting negative remarks to my credit report when they should not be doing so considering the check payment they received dated XX/XX/XXXX & the later card payment made via phone.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( private ), Consumer Date of Birth : ( Private ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a BANKRUPTCY I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account result of identity theft and fraud.
Product: Vehicle loan or lease

Every month Capital One receives my payment of {$550.00} for my XXXX XXXX. I've had this loan since XX/XX/XXXX. Every month on the XXXX, Capital One receives my payment of {$550.00}. Every month Capital One returns my {$550.00}. On XXXX XXXX  record the return is around the XXXX. {$550.00} will be taken from my XXXX account and will not return till around the XXXX or XXXX of the month. Then Capital One wants to charge {$35.00} in late fee. I have called and talked Capital One many times. The late fee is waived. They always say it's the XXXX accountand to call XXXX. I call XXXX and XXXX says it's Capital One. I pay every bill online through the XXXX account and no other business but Capital One holds my money for days. Returns my money late. Then wants to charge me a late fee! Capital One owes me late fees and waste of time of fees. I have to babysit the account to ensure money is not stolen. This practice should be against the law. Overdraft charges and late fees make billions of dollars yearly. This month XX/XX/XXXX XXXX was received by XXXX. XX/XX/XXXX, ( according to Capital One ) XXXX was returned. Now on the XX/XX/XXXX I have a late fee! I work XXXX XXXX  jobs. Twelve hours or more a night. This is what I get for caring for people for 24 years now?
Product: Credit card or prepaid card

I filed a previous complaint against Bank of America, complaint ID # XXXX because BofA allowed unknow criminals to transfer money from my credit card without my knowledge or consent to my checking account and then perpetrate a Fraudulent " XXXX '' transfer to unknown criminals. BofA failed to call me on my phone which they have had on file for decades. In the past Bank of America declined transactions deemed suspicious to a " Roofing company '' working on my Texas property, causing me to call them on my cell phone number on record to have them approve the transaction. BofA never called me on the phone number of record during this fraud scam, even though the amount was higher than my other transactions which were denied. 

On XX/XX/2022, I received CFPB follow up email informing me that BofA responded to my complaint that it is still working on my issue. But Bank of America instead transferred my credit card balance including the $ XXXX fraudulent debt to " XXXX Bank '', TEL # XXXX in an apparent effort to avoid their responsibility and damaging my credit score. Note that in the 30 years I have been a BofA customer, I never been late in paying. I however told them that I will not pay for a Fraudulent debt nor the interest and would pay if thye remove the Fraudulent debt
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Bankruptcy : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Court : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX FIR XXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

As of XX/XX/22, JPMCB is reporting 30 days past due. In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigston of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures alight with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.