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

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
Its essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit card

I have contacted Discover numerous times over the past several years with no results. I last contacted them in XXXX of this year to inquire what they are charging me for since I have not made a payment in over 10 years which they agreed no charges were placed. I requested a statement of charges which they stated they could not provide since it is more than 10 years ago. I have in good faith paid the monthly bill often more than the minimum payment along with several large lump sum payments over the years. However, Discover continues to bill me without explanation. I have spoken to several department managers, they're pre-scriptive answer is good luck, they can not do anything more for me. I have been a XXXX XXXX for more than 30 years and I have NEVER encountered such poor customer service before. I have called them when I moved, XXXX in the past 10 years, to update their records, which in itself was an issue and took constant calling to finally get corrected. In so much Discover has also reported late payments a number of times which has been reflected in my credit history and has presented many problems with other creditors. These practices by Discover are FRAUDLENT, MIS-LEADING and DECEPTIVE to the consumer. I only ask to provide me with proof of past charges. Acct # : XXXX
Product: Debt collection

We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX
Product: Mortgage

I am making this complaint because the bank said my mortgage insurance was removed effectiveXX/XX/XXXX. However, the bank still made me pay for mortgage insurance in XXXX because they said it takes 30 days to process the removal. I've never heard of that before, nor was that ever disclosed to me. Why am I still paying for mortgage insurance in XXXX if it isn't there?
Product: Credit card or prepaid card

1. In XXXX, XXXX  's charged me {$50.00} penalties on a XXXX balance credit card. I paid, then asked them to delete the account. I shredded the card and have made no purchases. 
2. In XXXX, XXXX  's mistakenly credited my account {$100.00}. My wife & I spend an hour on the phone to resolve. They eventually debit the {$100.00}, after about 30 min on the phone. 
3. In XXXX, XXXX  's then erroneously debit an additional {$100.00} from my account, without my permission. 
4. XXXX 's credit refuses to credit my account to fix their mistake. ( After keeping me on the phone for an hour. )
Product: Credit reporting 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 confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX  Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Capital One and have made the monthly minimum payment required according to the mobile application on my phone. XX/XX/XXXX I made a payment of {$70.00}, which the app reflected a minimum of roughly {$60.00} due. My credit was reported as 30 days late for the month of XX/XX/XXXX immediately after payment was processed on XX/XX/XXXX. I spoke with customer service on XX/XX/XXXX and was told it was 3 days late, not 30. They filed a dispute for me then. 

I spoke with Capital One again today and they told me I was {$3.00} behind for XXXX 's payment, not XXXX. I was told what their system saw vs what I can see on my mobile app ( I do not use paper billing ) differs and that 's where the problems lies. If I was {$3.00} behind for XXXX, then the app should have told me minimum payment due then was {$28.00}, not {$25.00}. Also the next month 's minimum payment amount should have included an additional {$3.00}. 

Where I 'm confused at is if the mobile app tells me that minimum due then ( XX/XX/XXXX ) was roughly {$60.00} then my {$70.00} payment should have covered it all. Also why report XX/XX/XXXXlate if the {$3.00} past due was owed for XXXX? 

I only made during the month of XXXX what the minimum payment posted in my mobile app told me. I have never had a late payment with this company and I hold XXXX separate credit cards with them. Some months I 've even made payments twice. 

I took a 70+ point decrease with this mistake. Capital One has told me 3 different things by 3 different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im File a complaint against XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. I sent it a letters on XX/XX/2022 stating theres some items on my credit report that were incorrect about a missed payment. I have not received any information back from them. It been 33 days and no respond
Product: Credit card or prepaid card

Dear Sir or Madam : I believe that the Citibank made a mistake on my reward points in XXXX. When I submitted a complaint to you ( case ID # XXXX ). They provided an answer with wrong information. I then tried to collect the evidences which are my credit card statements. However, they deleted all the on-line files without my consent. I asked them to provide my statements to me. They provided the linkage for me to download these requested statements. After viewing the statements, I found that they did make a mistake. Furthermore, I believe that they fabricated my credit card statements, which is a Federal felony. 

First, I show the mistake that the Citibank made : I made a purchase between XXXX XXXX and XX/XX/XXXX, which produced {$34.00} rewards shown on Page 2 of XX/XX/XXXX statement. However, the Citibank took the {$34.00} away on XX/XX/XXXX because the Citibank claimed that the account was not active for 12 months. They were lying because you can see that there was a {$0.00} reward left in the same page 2 of XX/XX/XXXX statement. This {$0.00} rewards was also shown in the page 2 of XX/XX/XXXX statement. If my credit card were not active for 12 months, this {$0.00} should have been taken away together with the {$34.00} reward by the Citibank on XX/XX/XXXX. The Citibank made a mistake. 

Secondly, I believe that the Citibank fabricated my credit card statements in order to cover their mistake by showing that there was no activity in my account between XX/XX/XXXX and XX/XX/XXXX. They closed my account and deleted all my statements without my consent before XX/XX/XXXX. After requesting the statements, I found that the page 2 of XX/XX/XXXX statement showed that the {$0.00} reward was from previous balance. No matter how the Citibank fabricated my credit card statements, the {$0.00} reward indicated the conflicting point. If the {$0.00} existed before XX/XX/XXXX as the Citibank claimed, it should have been taken away from my account together with the {$34.00} reward on XX/XX/XXXX. In fact, the {$0.00} reward stayed in my account until XX/XX/XXXX, which suggests that the {$0.00} was obtained after XX/XX/XXXX if the Citibank has a correct tracking system. Frankly, I remember I saw the {$0.00} from sometime late XXXX or early XXXX when I made some operation for another credit card. 

This {$0.00} reward is the key evidence to show that the Citibank made a mistake and then the Citibank fabricated the statements to cover their mistake. It shows how the Citibank intended to take money form its customer and break the Federal law. 

I ask you, our government for justice. Please find attached my credit card statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I cited in the complaint. 

Thank you very much XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover from other sources. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts
Product: Credit reporting or other personal consumer reports

The accuracy of the information has been questioned after a number of errors in the credit report were found while reviewing the specifics. 

This letter serves as a good faith request for your team 's diligent attention and scrutiny of these errors despite concerns about the system 's dependability. 

We would greatly appreciate your quick attention to these inconsistencies. These errors are seen as a flaw in a credit history that has otherwise been meticulously and carefully maintained. 

Moreover, take into account any potential repercussions from such mistakes. If errors have been found in this credit report, it's conceivable that other customers may be dealing with the same issues. The integrity of the entire system might be in doubt ; it's not just about one person. 

I bring this to your attention because it is crucial to correct these errors. These errors carry a sizable reputational risk, so it is important to take urgent action. 

We sincerely appreciate your patience and quick response.
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX HAS CONTACTED Experian and all listed creditors below multiple times and requested to remove all statements that are being furnished on my consumer report as it violates my consumer right to privacy.Also creditors and Experian failed to notify me of any negative remarks as to fairness to argue inaccurate reporting. All creditors and Experian failed to process my request. Experian and creditors violated 15 u.s code 1681 a ( 4 ) which it stated there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Experian and creditors listed below need to remove all negative remarks! 

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
Product: Credit reporting or other personal consumer reports

My loans were forgiven under XXXX  in XX/XX/year>. XXXX still reports the full amount on my credit report though they report {$0.00} balance due, and XXXX also shows a {$0.00} balance. I tried disputing it through the credit bureaus but they have continued to report the full balance as outstanding.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX my mortgage loan was released by XXXX but a company names XXXX started sending letters i was making voluntary payments to XXXX my payments had gotten lost during bankruptcy so this XXXX talked me into a modification said if i didnt they could foreclose, since i have faught with different companies sending my letter from my court documents on release of property lien i still have the proof now this loan has went to nationstar to rushmore to mr cooper an back to rushmore now rushmore has been sent the release papers from my bankruptcy but continues with threats of forecloser an this forced hazard insurance that goes against the original contract that was released in the bankruptcy i have my letter like i said for proof also if it was sold out to a 3rd party a collection place i want to know how and why mr cooper sent a letter to my local tax collector not rushmore i have proof of that also this situation has stressed me out to point of XXXX XXXX I am in process of finding help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
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 XXXX XXXX XXXX XXXXXXXX 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 consent.
Product: Bank account or service

I had a checking account with Bank of America that I opened around XX/XX/XXXX. I never really used the account and my balance was usually less than {$50.00} since I did n't use it. 
I just looked at my statement and noticed I had - {$2.00} in it. Bank of America has been fraudulently stealing {$5.00} per month from that account since mid XX/XX/XXXX and never informed me that I needed to maintain a balance or it would charge a fee. Bank of America regularly emails me and has my phone number, and NEVER informed me. Now they will not reverse the fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve, this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 

Sincerely, XXXX XXXX
Product: Mortgage

I am asking that my debt of {$47000.00} be deleted completely. I paid over {$8000.00} That was behind in XXXX or XXXX. This was all that was owed at that time. I then attempted to make my regular monthly payment but it was not accepted. I called Wells Fargo and spoke to them about why they would not accept my payments. I was informed that I was in foreclosure. I told them that I never received any information about that. He reviewed my payments and said that I had paid everything that was owed and that he will remove it out of foreclosure. This was not done. So when I filed for bankruptcy ( XXXX ) owed {$24000.00} because they never stopped the foreclosure process. While I was in bankruptcy Wells Fargo doubled the amount owed to {$44000.00} for no reason. My bankruptcy was finished in XX/XX/XXXX. I then was told by Specialized Loan Servicing Company that I am still in foreclosure. Since XXXX. And no more payments will be accepted from this point forward. I am asking for all documents pertaining to my account be sent to me. I am asking for a forensic audit of my account from a 3rd party. I am requesting that every verbal communication be transcribed and sent to me. I am asking for the deletion of the {$44000.00} be removed from my account. Im asking that the mortgage rate be analyzed from the beginning of my mortgage inception. I had a 3.25 % rate that I locked in in XXXX. The was changed to 7.5 % for many years. As I have lived in my home for over 30 years. I should have my deed in my hand. I am asking that I receive it marked paid in full.