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

I the consumer never gave written consent to the credit reporting agency to furnish any information about me they did not have permissible purpose to report this information, nor did they have the right to ignore and dismiss my request for deletion. 

I will be sending my invoice for ALL violating that has been made against me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have two 'dings ' on my credit report that I need to get removed. One was a XXXX XXXX  Mastercard, and one was a Chase credit card. 

Both banks will not talk to me, because I closed the account many year ago. However, one payment was late for XXXX XXXX and one was late for Chase. Both banks claim they do not have my information, etc. I would like to ask them to remove those two late payments. My payment history is almost perfect, and I had a problem with my payment not being submitted correctly in both of these banks. 

Basically, I just want these two banks to give me a courtesy and remove those late payments from my credit history. The rest of my credit payment history will prove that I make my payments on time. 

But, neither bank will talk to me - they claim they have no record of me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate item from my credit report. The disputed item was not properly investigated in accordance with the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a fair and thorough investigation of any disputed information. 
Upon reviewing my credit report, I noticed that this item remains despite my previous dispute. However, I have reason to believe that the investigation process was not conducted properly as required under Section 611 of the FCRA. The law mandates that credit reporting agencies verify disputed information with the data furnisher and ensure its accuracy. If the information can not be properly verified, it must be deleted. 

Since this item was not sufficiently verified, I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report.

Reporting on XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on Experian XXXX XXXX XXXX with account number XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax, XXXX, and XXXX are reporting bankruptcies on my client 's credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX is falsely reporting this information on my client 's credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : BANK OF AMERICA Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Checking or savings account

My direct deposit from my job was deposited into my capital one bank account and I still do not have access to my money. This is now creating a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To whom may concern, My name is XXXX XXXX # XXXX is being violated in zip codes XXXX and XXXX I am currently working this this business and a older woman send me mail to settle disputes with my debt, these people are mail tampering. Mail tampering is A XXXX fine! they been doing it for over a Year. They opened my mail so that when I work with the business I receive a hard time. these people come with all kinds XXXX ( excuse my curse I am tired of it ) They are retaliating against me and my religion. they are violating the constitution, the Civil rights act of 1964 and the first amendment. I do believe in XXXX " Amen-dment '' and I am trusting the process but now I am done with these people. I am XXXX XXXX XXXX overcoming a struggle and upcoming. I am being more aware of what people are doing and trying to have control over my life. these people are trying to stop me from having a good life. I am targeted in my community. the hate is real discrimination is ongoing. My bank account has a history of fraud. I am not perfect but I realized what these people were doing and there trying to make me pay for false debt by giving me fraud checks and not putting my correct address and ID theft. I gave them 2 ids to ID me and they refuse to help me. Every time I walk in they are violating the Civil Rights Laws of 1964. This city is doing bad and this is no disrespect to TD bank itself, its just the ones in XXXX. It is a struggle city and I am battling these people the RIGHT WAY while these people promote fraud! 

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

i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke XXXX to show the same information as the other three as all should be the same.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Validate of Debt / Verification of debt Mail out USPS First class mailed : XX/XX/XXXX Received USPS First Class mail : XX/XX/XXXX Credit bureaus are non-compliance with my request as per law. I requested information via mail. No response. I also mailed out reinvestigation and it hasn't been accepted nor acknowledged. 
This information isn't correct. It's considered an error and is fraud. 
I attached multiple verification of identity to these letters and I also called with no action done or response. 

Please help.
Product: Vehicle loan or lease

On XXXX XXXX I applied for a pre qualification for a XXXX XXXX XXXX XXXX XXXX. Listed sale price on XXXX XXXX XXXX for {$12000.00}. I got approved through there in house financing only online through Westlake Financial for XXXX with a Down payment of {$3800.00}, for 36 months, with a APR 24.98 %, and monthly payments of {$370.00} a month. When I signed off on the deal, XX/XX/XXXX at dealership, it was supposed to been payments at XXXX and he took XXXX off the Down payment which is why my payments went from {$370.00} a month to XXXX. And I supposed to been only financing for {$9100.00}. That night of XX/XX/XXXX same day I brought car at XXXX I called explaining that the key didnt work. He said it just needed a battery which ended up being a lie. On Wed XXXX XXXX at XXXX, I texted the same number of the Agent who sold me the car. I asked him Hello how are you doing what's going on with the bank? And the numbers have changed and I was not notified. Explain to me please. Also what do Check hybrid Energy battery. Which was still under the 30day warranty.. I received no response. I started calling the dealer and also westlake. They told me I signed off on the contract and it was nothing I could do about it. I continuously kept asking how did I get approved for a car listed at XXXX with a down payment of XXXX to paying {$23000.00} for a XXXX used car. I still recieved no response so I didnt make the first 2 month payments. It started messing up my credit. So I started back making payments and cant drive the car. On XXXX XXXX I asked him about the hybrid battery energy and what that mean in dashboard. He told me I need to take it to a shop. I asked him why cant I bring it there, I make payments and I just bought the car. No response. I had to come out of pocket about XXXX plus more for a hybrid energy battery. As of XXXX XXXX I still am not able to drive my car due to false advertisement, falsely and unknowingly changed my contract, raised price.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$10000.00}.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I noticed Experian was reporting a delinquent account with XXXX. I disputed this account directly with XXXX as well as Experian advising this account was opened fraudulently as a result of ID Theft. I submitted a local police report, a FTC id theft report as well as all they required documents they requested. Experian came back advising this account will remain due to the information the data furnisher provided them they have deemed this account to be valid. It is not a valid account, it is a fraudulent account. I have requested Experian provide me with the evidence they received so that I may have an opportunity to review and dispute any inaccuracies or insufficient information and they have failed to provide me of that. The XXXX accounts were opened in XXXXXXXX XXXX XXXXXXXX but did not report to my credit report until XXXX XXXX XXXX I did not authorize these accounts and have provided more than enough evidence to support these are fraudulent. Experian as well as XXXX are refusing to provide me with evidence that supports their claims of these accounts being valid. I have requested proof of a signed contract with my actual wet signature, not a generic electronic signature that anyone can forge to a document. I have asked for them to verify that signature if provided with the signature on my drivers license, but they have failed to do so. The only response I receive from Experian is the data furnisher provided evidence that proofs validity, but will not provide me with those findings.
Product: Checking or savings account

Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX  while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion claims to not have a file on me as a result of disputes I made. ( See letter below ) The first file number I received is # XXXX. 

I believe this is yet another stall or delay tactic. It is of great concern that they could lose my file. How accurate could the records be? Please remove the following items from my report : ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Mortgage

Greetree ( changed name to Ditech servicing ) calls me all hours of the night. A representative name XXXX calls me. I told them that the only number the are allowed to contact me on is XXXX. My mother has said they also call on their number which is a separate line from my own line. Even after telling them this for months and years they still abuse this. As I have said before that the only line that I can be reach is on XXXX. I work from home and that is the only number that they can contact me regarding any information about the mortgage. I do n't know how clear I can be on discussing this with them regarding XXXX constant harassment. I am also considering legal action.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a incorrect bankruptcy on my credit report. The bankruptcy does not belong to me. I have disputed this bankruptcy multiple times and Experian keeps telling me the bankruptcy is accurate. They have not provided any information to me to show me that this bankruptcy belongs to me. They are violating my rights as a consumer. They should be reporting accurate information and are not.
Product: Debt collection

I submitted a dispute via certified mail to XXXX in regards to the collector Rent Recovery Solutions and it was filed on XXXX including court documents for removal. XXXX removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX XXXX  XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint XXXX
Product: Credit reporting or other personal consumer reports

Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. XXXX, to date, has only updated XXXX and XXXX with accurate information while Transunion continues to erroneously report the account as open with a current balance. 

XXXX stated they provided updated account information of a XXXX balance, in response to CFPB complaint, to Transunion as of XX/XX/year>2024.

However, Transunion credit report still reflects an open account with a balance as of the date of submission of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/2020 EQUIFAX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I called my credit card company, XXXX XXXX XXXX XXXX MasterCard to pay the balance of my bill that was late. The balance due was {$43.00}. 
I offered to pay the bill in full but XXXX ( XXXX ) from Barclays insisted that I pay the late fee that was {$39.00}. 
According to the regulations : Why did my credit card issuer increase my late payment fee? 
The first time you are late, the credit card company can charge you a fee of up to {$28.00}. 
If you are late a second time within the next six billing cycles ( typically a billing cycle is a month ), the card company generally can charge you up to {$39.00}. However, the late fee can never be more than the minimum amount due. 

The late fee is 90 % of the balance due? 

The minimum due was {$27.00}. 
They are overcharging me for a late fee.
Product: Bank account or service

Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Bank of America told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me!
Product: Checking or savings account

I opened a checking account online with XXXX XXXX XXXX on XX/XX/XXXX. Per the terms and conditions of the promotional offer that I received, a bonus of {$300.00} was supposed to be paid after enrolling in online statements and using the debit card for five purchases by XX/XX/XXXX. The bonus was supposed to be paid by XX/XX/XXXX after all criteria were met. I completed these tasks 0n XX/XX/XXXX, but after the bonus did not post, I called the company today, XX/XX/XXXX. After speaking with XXXX XXXX in the 'phone loan ' department at XXXX XXXX, XXXX XXXX AND XXXX XXXX, he informed me that the company would not honor the bonus, despite me fulfilling all of the criteria for the promotional offer to be paid. Additionally, even though the terms of the promotional offer CLEARLY state that the limit is " Limit of one new consumer checking-account-related bonus per household per calendar year. ", and admitting that I had not received any form of bonus yet in the calendar XX/XX/XXXX year, he said that the bonus is supposed to be on a rolling year basis. Per XXXX dictionary, one calendar year is 'the period of 365 days ( or 366 days in leap years ) starting from XX/XX/XXXX, used for reckoning time in ordinary affairs. ' This is absolutely unacceptable. This is false advertising and intentionally deceptive on the part of the bank, and the bank is going back on promises and not paying promotional offers that customers are rightly due, because they believe that customers will simply forget. This is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.