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

I am writing to file a formal complaint against XXXX, XXXX, and Transunion Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness. 

The XXXX hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA. 

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law.

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention. 

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy when assembling credit reports. Maximum possible accuracy ensure improved data accuracy for users of credit reports e.g. banks, government agencies etc who rely on accurate data to make critical decisions every day about loans, government benefits, and other important matters. 

Lenders need accurate data to perform sound risk assessments, provide terms tailored to the borrowers appropriate risk level - having the most reliable and accurate data helps CRAs maintain good consumer relationships and focus on investing in new products and services to help consumers. 

Per FTC, PERC, CFPB inaccuracies are not good for business. Having an accurate credit ecosystem will prevent duplicative information, and stay in compliance with FCRA and promote the oversight of furnishes, and enhancements to the dispute resolution function. 

To best serve me in this complaint, I need addresses to be accurate in the credit reporting system. Any potentially material errors in my credit file makes me look riskier than reality. Lenders respond to incorrect data by offering higher interest rates, less favorable terms, or denying credit if the error makes me look too risky. 

There is no liability structure for inaccurate data or incorrect information. The credit bureau check with the provider of the information that there is a claim. There is no penalty for those who repeatedly provide inaccurate information. There are no actual investigations- even if a percentage of complaints were investigated, an investigation along with penalties from providing inaccurate information would incentivize data providers to do the right thing. Credit reporting systems should effectively support the economy- it should be safe, efficient and fully supportive of data subjects and consumer rights. The value of CRAs service is in direct proportion to the accuracy of the data it provides. Higher quality data is important moving forward so that credit can better flow to those who need it. 

My vehicle as vandalized and I am currently in the market for the new auto loan. I need all information to be accurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX, Experian and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau XXXX, Equifax and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
Product: Credit reporting or other personal consumer reports

In XXXX of 2021, American Express reported a late payment on my credit report while I was on an approved payment plan due to the XXXX XXXX  and its effect on me. I made attempts with American Express to have this removed from my account, but they did not remove it. Before, and after said late payment, there were never any late payments on my account. This is having an adverse effect on my credit report and obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the credit reporting agencies that I opened an account with them. I never opened an account with them. I never applied for a card and I never signed for a card with XXXX. The card they are reporting on my personal credit report belongs to someone else who added me as an authorized user only. I am not now nor have I ever been financially responsible for paying the credit card balance. XXXX would not produce documentation to support their deceptive reporting that I opened a credit card with them when requested. I called and spoke with XXXX supervisor after very lengthy hold on the line. The supervisor at XXXX used words like we assume and generally when addressing my questions. and eventually he terminated the call which they said was recorded beginning at XXXX Eastern Time on XX/XX/2023. This unfair and deceptive practice has negatively impacted my credit rating at all the major credit bureaus. I advised the Supervisor I would file a complaint with CFPB and so I have. I do not have any other option and hope you will take corrective measures against this abusive treatment.
Product: Credit card

On XX/XX/year>, I purchased {$4700.00} worth of sweepstakes tokens to an online Casino named XXXX on my XXXX XXXX XXXXXXXX. I played games with those tokens, but the merchant would not let me redeem my balance back to my bank and locked my account so I could not provide evidence to the bank dispute. XXXX XXXX claims department has since denied my claim and did not even inform me until I called them.
Product: Checking or savings account

Citizens Bank One Citizens XXXXXXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Subject : Complaint Regarding Closure of Bank Account by Citizens Bank Dear Sir/Madam , I am writing to file a formal complaint regarding the closure of my bank account with Citizens Bank . On XX/XX/2024, I was informed by a supervisor at Citizens Bank that my account was closed by headquarters without any apparent reason provided. Furthermore, I was instructed to visit a branch location to retrieve my remaining funds. 

I believe that the closure of my account may be in violation of several laws and regulations, including : FDIC Insurance : As a depositor, I understand that my deposits are protected by FDIC insurance up to a certain limit. However, the abrupt closure of my account has caused uncertainty and potential financial harm, and I seek clarification on the status of my insured deposits. 

Fair Banking Practices : Under the oversight of the Consumer Financial Protection Bureau ( CFPB ), banks are required to adhere to fair banking practices and provide clear explanations for account closures. I request that Citizens Bank provide me with a detailed explanation for the closure of my account in accordance with CFPB guidelines. 

Regulation by OCC : As the regulatory authority overseeing national banks, including Citizens Bank, the Office of the Comptroller of the Currency ( OCC ) plays a crucial role in ensuring compliance with laws and regulations related to account closures. I urge the OCC to investigate this matter thoroughly and take appropriate action to address any potential violations of OCC guidelines.

Right to Information : I assert my right as a consumer to receive clear and transparent communication regarding the closure of my account. I request that Citizens Bank provide me with any documentation or information related to the closure of my account, as well as any recourse available to me as a customer. 

I am deeply concerned and dissatisfied with the handling of this matter by Citizens Bank. Despite my attempts to seek clarification and resolution, I have not received adequate explanation or assistance from the bank. 

The closure of my account has caused inconvenience and financial hardship for me. I believe that I have been unfairly treated and that my rights as a customer have been violated. 

I kindly request that the Office of the Comptroller of the Currency investigate this matter thoroughly and take appropriate action to address my concerns. I have enclosed copies of relevant documentation, including any correspondence with Citizens Bank, to support my complaint Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$6200.00} Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported multiple 30 day late payments to XXXX  credit bureau that are not accurate and has reported to Experian that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to XXXX. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by XXXX  that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from XXXX XXXX. I've left multiple messages and emailed multiple times.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I included the police report. 

I noticed these items on my consumer report so I than reached out to my mom whos and attorney she recommended me to file this here and hope we all can come to one accord with these allegations of accounts. 

I have never been associated with any of these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

coinbase will not let me unlock my account. And I sent them every identification document that I have. And they won't accept it. this has been going on for 2 months now. I'm going homeless because of the situation. I've asked them and show them all kinds of identification and it keeps sending me back the same email over and over and I've told them about my situation. I'm XXXX i'm living off social Security XXXX I was living in California and now I'm living in XXXX, XXXX. And they will not accept any of my information. Or ID bank statement Passport? California Driver 's license nothing. 
I can not pay my bills unless I access my account. And they will not help me out. I've sent them over XXXX emails to provide them with all the information. I have renters agreement addresses everything. And I'm getting nowhere with them and like I said. I'm going homelesss if I can't access my account. I feel like they're doing this on purpose. And they wan na keep my funds in my assets. This is killing me right now. Financially ends breaking me down mentally. 
And like I said, I've tried over and over and over and sent them all kinds of information and they're still denying me. I need help really, really bad.
Product: Debt collection

I mailed a letter to DIVERSIFIED CONSULTANTS INC on XX/XX/XXXX stating that the account for XXXX XXXX did not belong to me. I requested that proof of validation and verification be sent to me right away. I received a letter from XXXX showing that the debt was valid and a statement was attached showing a balance but no verification that the account was opened or belonged to me. I requested a signed contract with my signature for the debt and it was not provided to me. So I am requesting that this debt be deleted from my credit.
Product: Credit reporting

I filing this complaint with regards to a Public Record Information as being inaccurate. The law and by definition defines the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I have a right to know who and where they have " verified '' this information. This negative is unjust and is holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court did not verify this derogatory entry and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Mortgage

I am writing to dispute inaccurate information reported on my credit file regarding my mortgage account with XXXX XXXX XXXX ( # XXXX ). My credit report incorrectly indicates that my account was XXXX  days past due on XXXX occasions. 

I have thoroughly reviewed my records and confirmed that I was not late on my payments during the periods in question. All payments of {$690.00} were made on time, as agreed in the terms of my mortgage. This misreporting has caused harm to my credit score and financial reputation. 
Details of the Issue : Dates in XXXX XXXX XXXX XXXX days past due XXXX XXXX  Monthly Payment Amount : {$690.00} Balance on Account : {$55000.00} Action Taken : All payments were made on or before the due date, with no missed or delayed payments. 

Request for Resolution : I respectfully request the XXXX assistance in resolving this issue by : Investigating the accuracy of XXXX XXXX XXXX 's reports for the disputed dates. 
Requesting XXXX XXXX XXXX to provide proof of alleged late payments or, if no evidence exists, to correct the inaccuracies on my credit file promptly. 
Attached to this letter are copies of the following documents for your reference : Payment records for the disputed periods. 
A copy of my credit report highlighting the incorrect entries. 
I would appreciate a timely investigation into this matter to mitigate further impact on my financial standing. Thank you for your assistance. If you require additional information, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

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

I made a dispute with Transunion about an error in my credit report stating that I was delinquent on a payment back in XXXX XXXX, 2020. They told me they'd get back to me within 30 days. They did not. I had to reach out to them everyday after the 30 days to find out the status of my dispute and they gave me no answer and told me to call the bank that told the Transunion this delinquent error I had. I called the bank, XXXX XXXX XXXX and filed a dispute as well. They reached back to me 3-4 days around XXXX XXXX, and told me that it was indeed an error on their part and that they would update and report to the credit bureaus that the delinquency was an error and needs to be removed/deleted. We are now in XXXX going in to XXXX and nothing has changed and Transunion and any of the other credit bureaus have yet to update and fix this error that's severely damaged my credit score
Product: Money transfer, virtual currency, or money service

I lost access to my account with Cash App ( Square ) XX/XX/2020 due to my phone number changing and losing access the email attached to that account. I have attempted to recover my account regain access with Cash app ( Square ) Now for the second time. I have provided them with all of the information they had asked me for the first time and again this time. The ending result being the same 75 emails later I'm being told I will not be able to regain access to my account. I actually just reached out this time to make sure my stimulus money and boyfriend stimulus money that had been deposited onto that account last year was being kicked back so I could look for the check to be mailed to us. To my surprise that account is still active and still open. I have proof of my identity. I have the last four digits of the card from that account at the time I was using it provided by cash app, I've provided my social security number my birthday my name my cash tag name screenshots from when I was using that account I provide them a specific dates I moved money specific contacts I used my rent every month I have everything they've asked plus more. I have emails from the manager supervisor XXXX telling me my account is still active my account will continue to receive deposits as they come in as long as my account is active not giving me an option not giving me a choice but just ending that conversation with I'm sorry the case is closed we will no longer be able to help you I have since then made several attempts to get a hold of them just to get the same email back from XXXX stating I'm sorry your case is closed we can no longer help you so that's what I'm doing today asking for help I do feel this is very fraudulent