23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; 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 explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports, and I found the following inaccuracies : Account Holder Name : XXXX XXXX XXXX XX/XX/year> Last XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. Account name XXXX XXXXXXXX, Account XXXX, XXXX {$630.00} XXXX. Account name XXXX Account XXXX, XXXX {$7500.00} XXXX. Account name XXXXXXXX XXXX XXXX XXXXXXXX, Account number XXXX Balance {$750.00} XXXX. Account name XXXX, XXXX, Account XXXX, XXXX {$24000.00} XXXX. Account name XXXX XXXX XXXX, Account number XXXX, Balance {$740.00} XXXX. Account name XXXX XXXX, Account XXXX, XXXX {$410.00} XXXX. Account name XXXX XXXX XXXX, Account XXXX, Balance {$19000.00} XXXX. Account name XXXX XXXX XXXX XXXX, Account XXXX, Balance {$0.00} The above accounts have violated my rights under 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.

Under 15 U.S.C. 1681 section 602 A, it states that I have the right to privacy. These false accounts above, are in violation of this section.

Under 15 U.S.C. 1681 Section 604 A ( 2 ), it states that a consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C. 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The accounts referred to above are in breach of several sections of U.S.C. 1681, as referenced above.

Please remove the accounts above from my credit reports, as they are grossly inaccurate and in violation of 15 U.S.C. 1681. If this accounts are not removed, I will be seeking damages relating to such.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/XXXX, XXXX noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the XXXX XXXX XXXX and identity theft gov. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX Us Dept of Education is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$910.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT BUREAU IS REPORTING THE WRONG ADDRESS ON MY CREDIT REPORT. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts below, 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. 

Collections : Account Number : Ending in XXXX Agency Name : XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : Equifax Negative Accounts : Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX XXXX  Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : Equifax Reported incorrectly as Charge off, this was paid on time and in full. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXXard Date Assigned : XX/XX/XXXX Original Balance XXXX Credit limit : XXXX Reporter : Equifax XXXX XXXX % Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporter : Equifax XXXX XXXX XXXX XXXX incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Inquires : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section XXXX of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section XXXX of the Fair Credit Reporting Act and Transunion should be held accountable. 
Their inaction is making my life unfairly difficult.
Product: Credit reporting or other personal consumer reports

I'm obviously a victim of identity theft. Submitted all documents I was advised to submit. XXXX Fraudulent inquiries showed up on my consumer file in the past 48hrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Experian requesting a free credit report. However, Experian failed to provide the report by mail. 

I have attached proof of letter sent to Experian requesting the report. 
I have attached ID as proof of address and identification
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting Act XXXX  account # 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 : 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 want to follow up you about the request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$5800.00} 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
Product: Credit reporting

I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date XXXX days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
Product: Checking or savings account

I made a deposit on the mobile app with some money orders. The deposit went through and I want online the next day to check my balance, only to find I couldn't log in to my account. This was both on the mobile app and the website. I called in to the 1-800 number and was told they can't give me any information about my account and I  need to go in branch. I was planning on doing most of my banking with the app and the ATM since the bank has limited hours, but I had some time in the middle of the day to go in-branch. 

At the branch I walked into, they said there was fraudulent activity on my account and they locked it for my safety. They said my balance was significantly lower than the amount I expected. I was then told that the branch I walked into wasn't my home branch and I needed to go to another branch ( that I had never been into ). This initial news had me worried. 

At the second branch, located in XXXX, Washington, I was given the runaround, no one could provide me any useful information and finally one employee was able to tell me that the fraudulent activity was the mobile deposits I made to the account. Since when is adding money to an account fraud? Bank of the West advertises all the time about their mobile deposits, adding insult to injury every time I see it.

I asked the bank if the money orders are valid and they said they're not sure. We had to call up XXXX XXXX to find out they are valid ( an idea I had ). Meanwhile, my money was in limbo during the holiday season and I was planning on using this money for some XXXX gifts. I then asked the bank how to deposit the money orders and the clerk was clueless, saying I need to clear the fraud ( which wasn't actually fraud ) on your account. Finally, I suggested depositing them into my XXXX  XXXX XXXX account ( a bank I was looking to switch from ) and she agreed. 

I then planned on closing my account due to my lack of satisfaction in this experience and the fact that nearly a month later I still couldn't access the website. Unfortunately I got a letter from Bank of the West yesterday saying we are closing your account and we don't have to provide you a reason. This is likely because of the complaint I filed on their website and the poor review I gave on their surveys. I don't understand how a bank can retaliate against their customers like this just for depositing a money order on their mobile app. I was looking forward to using their more convenient locations, but unfortunately this business has left me no other choice.
Product: Checking or savings account

On XX/XX/year> Chime illegally closed account that had more than {$1200.00} and are refusing to give money back. They give nothing but generic excuses and lies.
Product: Debt collection

I didn't owe that when I closed my account with XXXX. I was told when I closed my account my balance was clear due to complaints about XXXX. I didn't have the service that was in my contract and I closed my insurance because they never helped me with anything. That is why I closed my account and went to another carrier. They kept calling and I kept telling them, they would tell me I would not get another call but, again over and over I would. Then they sent it to collections which I am very upset regarding that. I have been paying my bills to get my credit in good standings and they lied. I want it off my report now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Sine we purchased this home it seems like they have done everything possible to take it from us ... .From not applying payments properly, forcing us to add in taxes and homeowners and they never pay it on time. 
They state if you have issues you can do this and that but when you try you never get a response then you call and find out you were denied and they didn't tell you because they started the forclosure. 
We were put on a forbearance for a year during covid and how it was explained to us is that it would just be suspened instead they added about XXXX to our loan. if we knew they were going to charge us an extra year we wouldn't have done it. We owed XXXX now they say XXXX. 
This is not right and very dirty company they have changed their name at least 4 times since we have lived here. 
And like everywhere they say you have an account manager but good luck speaking to them when you ask for the name on the letter they say this person don't exist. 
Every time I call you get a different person and not one of them has any idea what you are talking about, even though when I end my call I ask for a confirmation ( that I never get ) and to please note the account. DOES NOT HAPPEN! 
Every time I call all they want is a payment it does not matter the situation and if they didnt do what they said they were going to do they just want you money. 
Also we have tried to make partial payments bi-weekly and they leave it in unapplied funds never apply it and you have to jump thru hoops to get it back. 
If you ask for a supervisor you get disconnected or just left on hold unti lyou hang up and if your past due they don't let you access your account on line and won't let your call go threw till they get a payment. 
And it is a problem when they don't understand english.
Product: Money transfer, virtual currency, or money service

I was on vacation with the family in the greater XXXX area. We wanted to attend a XXXX game, so we searched XXXX for tickets and were brought to a XXXX  ad for someone who had tickets. We contacted this person by cell phone and were told the tickets were still available. I offered to pay through XXXX, which ive done plenty of times before. He said he had recent problems with XXXX and preffered to be paid on the Zelle app. I XXXX  Zelle and saw that it was an app that was created by some of the largest banks in the country. It seemed legit to me, as Zelle advertises as a safe and better way to pay online. I sent the man {$300.00} for tickets and headed into the city. At that point, the seller abruptly stopped communicating and we were stuck in the city with no tickets and a {$300.00} loss. I immediately contacted my bank and Zelle customer service. My bank said we would have to address it with Zelle. At zelle, we spoke to a foreign operator who said there was nothing i can do. What kind of crooked business is this? I provided Zelle with the names and numbers associated with the transaction, but they did nothing.