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

I am writing to formally dispute certain credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made without my authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not provided consent for these inquiries, nor have I applied for credit with these creditors. Under the FCRA, only creditors who have a permissible purpose ( such as an application for credit or a background check for employment ) are authorized to pull my credit report. 

As you are required to maintain accurate information on my credit report, I request that these unauthorized inquiries be removed immediately. 

In addition, I would appreciate a written confirmation that you have investigated this matter and that the inaccurate entries have been corrected or removed. Please provide me with a copy of the updated credit report reflecting the corrections. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to my dispute. If you are unable to verify that the inquiries were authorized, I request that they be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you need any additional information from me to complete your investigation.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  AND XXXX. There were also some inquiries that are not mine as well, XXXX XXXX XXXX XXXXXXXX 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 I am doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. I sent them letters several times but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included here with the report number XXXX. 

I sent them a letter dated XXXX which was received and delivered to them last XX/XX/2023, and I called them last XX/XX/2023, and XX/XX/2023 and according to the agents and supervisor my documents were rejected because of the " invalid FTC report '' I called the FTC according to agent in FTC all the information in the report are correct and invalid and could not see any reason why Equifax consider this one as invalid. I called them again dated XX/XX/XXXX and XXXX, 2023 but still were requested to resend again the documents. 

I have also attached all the documents needed to support this complaint. ( updated/revised FTC report , package letters, Driver 's license, proof of address )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act Capital One Auto Finance, 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 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. 
15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

they lied, and make up false claims about being late. they hurt my credit trying to refinance. shell point screwed my credit up big time. never been late, says my bank, they lied to all the credit companys. they XXXX you up to trap you. I paid my own taxes, paid home owner insurance. also paid my flood insurance. no credit given. they keep adding fees, and ignore consumers. this company needs to be shut down. The XXXX XXXX XXXX also says there not doing buss. right. p, lease help, there are hundred s of people and families suffer from shellpoint. there a very bad company, the government needs to investigate them. i really want to sue them, for lies, and ruining my credit ... .I have all the papers to prove all this ... ..harrassing my family, calling me on sat.s and sun.s
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Checking or savings account

There are information on my XXXX XXXX that is stopping me from opening bank account reported by Dime Community Bank. About writing checks on a closed bank account there was a error with the check books and wrote the check from the wrong check book.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXXXXXX XXXX  ( {$3600.00} ) # XXXX, XXXX ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Complaint for Card Ending XXXX Summary : I am filing a complaint regarding the card ending in XXXX. My dispute for this card was submitted alongside disputes for XXXX other Chase credit cards, including the card ending in XXXX, on the same date in XXXX 2024. While Chase acknowledged all three submissions, only the dispute for card XXXX saw any resolution or movement. The card ending in XXXX has not shown any progress or action since the initial acknowledgment date, which is well beyond the timeframe mandated by the Fair Credit Billing Act ( FCBA ). 

Details : XXXX. Dispute Submission Date : XXXX 2024. 
XXXX. Issue : Despite acknowledgment from Chase, there has been no movement or progress on the dispute for card XXXX, even though similar disputes submitted simultaneously for the card ending in XXXX have been partially addressed. ( XXXX ) XXXX. FCBA Violation : Under the FCBA, Chase is required to acknowledge disputes within 30 days and resolve them within XXXX billing cycles ( or 90 days ). This has not been done for the dispute related to card XXXX. 
XXXX. Additional Context : The disputes relate to breach-of-contract claims, not billing errors. These breaches involve misrepresentations and service failures on the XXXX XXXX XXXX platform, as documented in my submissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. Wells Fargo, XXXX, XXXX  XXXX XXXX. I have even tried the lesser accounts that Wells Fargo offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.
Product: Credit card or prepaid card

I applied for a Chase Freedom credit card from Chase Bank ( ref number XXXX ) in XXXX. I have a fraud block on my account. On XX/XX/XXXX, I received correspondence Chase requesting that I release my credit report and contact the bank. I succesffully did so, resulting in a hard inquiry on my credit. Then, on XX/XX/XXXX, I received further correspondence from the bank indicating that I had 14 days to call them to further confirm my identity. I called the phone number provided ( for Chase Fraud Services @ XXXX XXXX more than 25 times in the ensuing two weeks. Each time, I was met with a recording indicating that the wait time to speak with a representative was " greater than 50 minutes. '' On three of these occasions I waited on the line for more than 70 minutes and never got through. 

Note : I eventually went to a branch to see if they could help. I spoke with Ms. XXXX at the XXXX CT branch. She confirmed my identity and then helped me to get through on an internal ( different ) number. After a 30-minute wait and further validation of my identity, I was informed that I would have to re-apply! My application had expired because I had been unsuccessfull in reaching the bank during a 14-day window after I received the second letter.

It seems patently unfair that Chase should accept my application, check my credit ( negatively impacting it ), and then set conditions that are impossible to meet to complete the application process - namely to contact a group within the bank that is so inadequatly staffed as to make contacting them impossible within the time frame provided. I believe Chase has acted in bad faith in this transaction.
Product: Consumer Loan

I was declined for a student loan consolidation with XXXX XXXX. They informed me today that my loan was declined. Here was my response to them : This is extremely disappointing and troubling. Your adverse action report states that the principal reason for denial of my application was " Delinquent past or present credit obligations with others. '' In disbelief, I ordered a copy of my credit report from XXXX, with whom SOFI made the credit inquiry. AND THERE ARE ABSOLUTELY XXXX NEGATIVE ITEMS ON MY REPORT. No late pays, defaults, etc. 

Your approval process, dragging out over several weeks and requiring multiple uploads of the same information ( paystubs ) that could 've easily been understood by people of average intelligence, was ridiculous. Particularly as your site says that information from the Work Number ( which I also uploaded ) was an accepted form of income verification. I was willing to put up with that at the prospect of getting a fair rate on student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit by XXXX XXXX MC ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from XXXX ! I couldn't get  logged online at XXXX, so I then called XXXX spoke with two repres., a supervisor from the XXXX  , got nowhere, asked for a US supervisor got XXXX in XXXX  ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to Experian, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX who XXXX and nearly XXXX   XXXX, XXXX XXXX. Refused to pay me a dime! Im XXXX XXXX XXXX now, spend XXXX XXXX of my life in bed, in pain, on   XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!! 
Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!
Product: Credit reporting or other personal consumer reports

To Whom it may concern. 
My name is XXXX XXXX, and I am a single father that is simply trying my best to do what I can with my son and me. the improper use of my credit report and the improper and incorrect use of my information has severely damaged my life. 
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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and these inaccuracies are stopping me from the ability to find a decent home for my small family 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 which they have constantly done.

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 and some of these are 10 years old.

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 don't believe it is inaccurate I know it is from the proof I will provide below.

I know whoever is reading this it is not your fault, but I need your help. I am just trying to be better for my son.
Product: Credit reporting or other personal consumer reports

I requested and received an employment data report. I received two reports that were not properly sealed. One was taped over and another envelope did not appear to be sealed at all. Given the sensitive nature of the information, the company so find a more secure way to deliver these reports to ensure the the contents are delivered in full and securely.
Product: Debt collection

My wife and I are getting repeated calls almost on a daily basis. Some are robotic calls ( not a real person ) and some are live people. I have requested the calls stop, but they continue. This feels like harassment. The people from the live phone calls scared my wife with scare tactics to make us pay for unknown debt collection. No company should try and scare you or threatening you like this. The collection company will not give me any information retaining to the collection either. I am seeking seeking further help about harassment with law enforcement or family lawyer.
Product: Debt collection

called at work on the following days. They were informed on XX/XX/XXXX to not call me at work XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

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. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data on my Equifax report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had earlier filed a dispute with Experian as it pertains to an account that I had with XXXX XXXX XXXX XXXX. Experian was reporting that I was delinquent with this account. I filed a dispute with Experian and today I got an email from Experian saying that the account has been updated to ( paid, was past due 30days ) and this is false. I had contacted XXXX XXXX XXXX XXXX about this account been reported as been delinquent and they said that they was going to change that information in there system and have the delinquency/ late payment removed from my account as this was not the case. 
I am enclosing a copy of the letter/ email that the Manager Of XXXX XXXX XXXX XXXX sent to me. This account should have no late payments or delinquencies listed on it.
Product: Checking or savings account

i had a fraud on the business checking acc. it was 4 charges, they paid me back 3 charges, and the fourth one they dont want to pay