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

I sent a letter on XXXX  to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX 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.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable. I will file a lawsuit ASAP!
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that all information on credit reports be accurate, complete, and verifiable. However, the reporting of this account contains multiple errors and inconsistencies, as outlined below : XXXX. Inconsistent Dispute Comments Across Bureaus : TransUnion : Dispute resolved ; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution ; closed or paid account/zero balance. 
These discrepancies create inconsistency in reporting and could mislead creditors. 
2. Late Payment Reporting on a Closed, Paid Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. This may be inaccurate or unverifiable. 
3. Failure to Properly Update or Remove Dispute Comments : Despite the account being resolved, the dispute comments remain, suggesting the account is still under dispute. This is misleading and violates reporting accuracy.

4. Inconsistent Reporting Dates : The Last Reported date is inconsistent : TransUnion : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> 5. Inaccurate Payment History : If the payments were made on time, the 30-day late marks are improperly reported, violating the FCRAs accuracy requirements.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus must follow procedures to ensure accurate reporting. The discrepancies in dispute comments and payment history violate this provision. 
2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes were filed and the information remains inaccurate or incomplete, the credit bureaus failed to investigate and correct the errors.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) has a legal obligation to report accurate information and correct errors once notified. 
4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported for a closed account with a {$0.00} balance may be obsolete or incorrect.
Product: Vehicle loan or lease

I applied for a loan with Consumer Portfolio Services and received a loan approval. I paid the loan in full along with the down payment and the collateral was never provided.
Product: Credit card

Costco is changing their affiliated credit card from XXXX XXXX to XXXX XXXX. While I understand and appreciate that this is intended to generate more benefits for customers, the reality is Costco will ship a Visa credit card without asking permission of the customer, and providing no ability to opt-out. Having the affiliated credit card is not a prerequisite of membership. On a call today ( XXXX/XXXX/16 ), Costco confirmed that the card will be mailed, even if the account were to be cancelled. This despite the card is not valid until XXXX/XXXX/16 ... 10 weeks from now.
Product: Debt collection

Last year I make monthly payment agreement of {$50.00} with the company Credit Solution Corporation for the total of XXXX. My first payment was {$3500.00} and after that I has pay {$850.00}. According my agreement my real balance is {$800.00}. Today a receive a letter from the company " All previous attempts to resolve the account have failed ''. I do not understand why the information of my account is not up to date. The agent that have my case for the agreement is the same agent that send me the letter. I also call previously to report the amount show in the account was wrong and the agent said they can not change the amount until the total agreement amount is pay in full. To my understanding I do not need to call them if I am making my payment on time. I am very frustrated and disappointed. This is not the first time this company has intent to take advantages me. The first time a get in contact I submit a complaint because they tried to imitate and threaten me. The only reason I was able to make an agreement with them was because a report their intimidations and threaten to you. Now that I almost pay off my balance agreement its feel like they are trying to intimidate me again to pay more that the agreement balance had make with them months ago. I feel my consumer right again. Companies like CSC that like to play games to the consumers must be fined for their acts. Because like a said the only reason I was able to resolve my problem was because a report them. But what happen to does customers that they do not have the resources to look for help. I can not wait to finish my payments, I will do not need to deal with this company any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX everything else is FRAUDULENT!!!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Money was hacked out of my account and no one from Truist will help me and Ive been on hold for 7 hours. They keep hanging up and just leaving me on hold in a loop for hours straight. I just want my money back so I can take care of my family.
Product: Credit card or prepaid card

Describe what happened, and well send your comments to the companies involved. 

In XXXX and XXXX, I experienced issues with my Apple Card not registering payments correctly, leading to accrued interest and a warning of a past payment due. In XXXX, I was informed that I needed to pay a certain amount of money to avoid paying interest. I paid the required amount, but at the end of the month, my card still accrued interest. In XXXX, my Apple Card requested that I pay {$16.00} by XX/XX/XXXX to avoid a past payment due. Despite having paid over {$2000.00} to pay down the card and paying the requested {$16.00} multiple times, the warning persists. I am concerned that this issue will lead to a negative mark on my credit report, even though I have made the necessary payments. 

Include dates, amounts, and actions that were taken by you or the company. 

XXXX : Paid the required amount to avoid interest ; interest was still accrued on the card. 
XXXX : Apple Card requested a payment of {$16.00} by XX/XX/XXXX to avoid a past payment due. 
XXXX : Paid over {$2000.00} to pay down the card balance. 
XXXX : Paid the requested {$16.00} multiple times, but the warning remains. 

I have also attached a screenshot as evidence, which clearly shows the warning on my account, despite making multiple payments over the required amount to prevent a past due mark on my credit. This visual documentation should help substantiate my concerns and further demonstrate the issue with my Apple Card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from XXXX XXXX XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 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.
Product: Credit reporting or other personal consumer reports

I recently found errors on my report that are unfairly damaging my scores and preventing me from securing financial opportunities. Its incredibly frustrating to deal with setbacks caused by mistakes that are not mine.
Product: Debt collection

TrueAccord Corp is reaching out to me stating that they are reaching out on behalf of XXXX XXXX XXXX to collect a debt in the amount of {$490.00}. This is not my debt, and I have no knowledge of this account. I have reached out to the creditor directly to request ownership of this account as well as proof of purchase agreement and I was not provided with this information. This information is the result of fraud and I would like to be cleared of this immediately.
Product: Money transfer, virtual currency, or money service

I need to link my Personal Pnc checking account with my XXXX XXXX to put money into my savings and I guess pnc made it to where you cant link your accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed some inaccuracies on my credit report this account is hurting my ability to obtain credit is my understanding that Transunion will investigate this account for me to ensure 100 % accuracy here is the account that Im asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not gon na lie, I'm XXXX off!!! On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care Of. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt or inquiries are as follows : ( 1 ) XXXX XXXX XXXX  XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, ( 3 ) XXXX XXXX MAZ XX/XX/XXXX, ( 4 ) XXXX XXXX XX/XX/XXXX, ( 5 ) XXXX XXXX XX/XX/XXXX, ( 6 ) XXXX XXXXXX/XX/XXXX, ( 7 ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( 9 ) XXXX XXXX XXXXXXXX ( 10 ) XXXX XXXX XXXX XXXX  XXXX ( 11 ) XXXX XXXX XXXX XXXX XXXX XXXX, ( 12 ) XXXX XXXX. I expect the CFPB to make them remedy this situation.
Product: Credit card or prepaid card

On XX/XX/2018 I attempted to access Bank of America 's ( BofA 's ) online banking as usual, but I was presented with a modal dialog about whether I wanted to receive legal notices by mail. The dialog could not be dismissed or cancelled. 

I had previously informed BofA numerous times that I wanted to continue receiving statements and legal notices by mail. 

In large bold text was the button " Save my choices ''. Above it, a checkbox for my " Bank of America Cash Rewards Visa '' card was pre-checked. I had already chosen to receive notices on paper, so I had initially assumed that " Save my choices '' referred to once again confirming and saving my choices. 

After pausing to read more carefully, I learned that BofA was trying to deceive me into clicking through so I could continue with my online banking activities, which would have inadvertently caused me to lose access to paper statements. Those were not my choices at all. Those were BofA 's choices. 

BofA 's behavior here was deceptive and inappropriate. BofA could have named the button non-deceptively, for example : " Stop receiving statements by mail '' or " Accept our suggestions ''. 

Bank of America 's particular choice of language, " Save my choices '', was intended to deceive consumers and cause them to change the manner in which they would receive legal notices.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report ( Identity Theft ) Dear Credit Bureau Dispute Department, I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate. These inquiries were made without my consent and are a direct result of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 604, hard inquiries require my explicit authorization. Since I never gave permission for these inquiries, I am formally requesting their immediate removal from my credit report. 



Unauthorized Hard Inquiries ( To Be Removed ) The following inquiries are fraudulent and should be deleted from my credit file : Creditor Name. Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations & My Rights FCRA 604 A hard inquiry requires my explicit authorization.

FCRA 609 I have the right to request verification of my signed authorization.

FCRA 611 I have the right to dispute and remove inaccurate or unauthorized credit report information.

Since I never applied for credit with these companies, I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit file.

2. Written confirmation that these inquiries have been removed.

3. A copy of the documentation proving that I authorized these inquiries. If no proof is available, the inquiries must be deleted. 

If the credit bureau fails to investigate and remove these unauthorized inquiries, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with FCRA regulations. 


Supporting Documentation Included : 1. FTC Identity Theft Report ( Report Number : XXXX ) 2. Proof of identity ( Drivers License, Social Security Card, and Proof of Address )
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding its failure to investigate inaccuracies reported on my credit report, as is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite my repeated submissions detailing the inaccuracies related to [ specific accounts or information in question ], Equifax has provided me with responses that indicate a lack of thorough investigation. Specifically, I have received notifications stating the accounts are accurate within 24 hours of my dispute submissions, without any accompanying evidence or clarification regarding the investigation process undertaken.

The actions of Equifax not only violate the FCRA 's mandate for a reasonable investigation but also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The recent findings by the CFPB highlight the necessity for consumer reporting agencies to engage in fair practices, including comprehensive investigations into disputes raised by consumers. 

These are the following accounts XXXX XXXX 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

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX Account Docket or Bankruptcy Case # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

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 adverse itemo of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s2 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached : Look at circled items in the enclosed attached fileXXXX XXXX XXXX XXXX XXXX is reporting a bankruptcy on my consumer credit report and they have the data furniture as being XXXX which is false. I have attached a letter from XXXX XXXX showing that that can't be the source of this information. I also have reached out to XXXX and have a letter from them stating they did or do not report to any credit agencies. Finally I have official statements from two California Courts stating that they also do not report or provide information to Experian or any credit report agency. So Experian is falsely reporting that XXXX XXXX has verified this bankruptcy and two Experian is falsely reporting the INCORRECT information about who the true data furniture of information is. Both are violations of my rights. 
They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 
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