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

Please take action to block and remove the unauthorized accounts from my credit report as quickly as possible. I did not open or approve these accounts, and I am unaware of where they came from. Under XXXX XXXX, I am formally requesting their removal within XXXX  days. The necessary documents are provided for your consideration.
Product: Mortgage

After several months of waiting, Loandepot.com sent us closing documents, which we largely e-signed the first time on XXXX XXXX, with a notary to show up that day for some original signatures. They never showed up. The next day, I was contacted by a notary, and set a time to sign, but was later contacted to postpone because the notary did not receive the closing documents. This continued to happen until we signed on XXXX XXXX. The loan was to fund by XXXX XXXX and I received a confirmation from Loandepot.com that it would. I write daily and the loan remains unfunded as of close of business today, XXXX XXXX. I now have a mortgage payment past due to my original lender, and apparently we have one to Loandepot.com.
Product: Debt collection

I received this letter XX/XX/XXXX informing me of the debt and that I had until XX/XX/XXXX to respond. Today, XX/XX/XXXX, this debt has shown up on my credit reports before I could submit a dispute. This debt was just assigned to this agency in XXXX and I wasnt notified til weeks later. They moved too quickly in the process putting it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX SENT ME AND EMAIL STATED THAT THEY NEEEDED MORE INFORMATION INTO FIXING THE PROBLEM ON MY EQUIFAX CREDIT REPORT . SECOND FOR THE LAST 3 MONTHS IM NOT ABLE TO PURCHASE EQUIFAX PRODUCT PLAN TO CHECK MY CREDIT REPORT OR SCORE ON A DAILY BASIC . EVERYTIME I USE MY CREDIT CARD TO PURCHASE THE PRODUCT IT GET DENIED OR I GET SOMETHING THAT SAYS A TECHINAL PROBLRM OR  BLINK . I AM NOT ABLE TO GET ON TO SEE MY CREDIT REPORT ON  MY EQUIFAX .  THE ONLY THING  IT SAYS THAT I DONT HAVE ANY ACCOUNTS THAT IS OPEN THAT INCLUDES REVOLING ACCOUNTS AND INSTALLMENT ACCOUNTS  WHICH I HAVE 10 OPEN REVOLING ACCOUNTS AND I HAVE INSATLLMENT ACCOUNTS OPEN ON MY CREDIT REPORT . I DONT HAVE NY ISSUES LOGGING IN ON MY ACCOUNT THE ISSUE IM HAVING IS I CANT PURCHASED ANY PRODUCT BY USING MY CREDIT CARDS WHICH IS ON FILE WITH MY OPEN ACCOUNTS . I CALLED IN SEVERAL TIMES TO EXPLAIN THE ISSUE AND I GET THE RUN AROUND . EQUIFAX STATES THAT THEY NEED DOCUMENTAION TO SHOW PROVE OF MY IDENITY SO I HAVE INCLOSED MY VIRGINIA DRIVER LICENSES FRONT AND BACK AND MY SOCIAL SECURITY CARD FRONT AND BACK AND I ALSO INCLOSED MY ADDRESS MY MAILING ADDRESS AND MY THE ADDRESS WHERE I LIVE. CAN THEY UPDATED THAT CORRECTLY ON MY CREDIT REPORT NOT SURE IF MY CREDITOR UPDATED THIS WITH EQUIFAX . MY MAILING ADDRESS WIWTH ALL MY MAIL GOES TO XXXX XXXX XXXX XXXX XXXX XXXX  THEY DONT HAVE MY RESIDENT ADDRESS ON MY EQUIFAX CREDIT REPORT CAN THEY ADD THAT WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX . I HAVE  ENCLOSED PROOF OF MY ADDRESS ONE IS FROM VIRGINIA CREDIT UNION MY  BANK STATEMENT WHICH IS MY MAILING ADDESS FOR ALL OF MY CREDIT CARDS ON FILE SO CAN THEY UPDATE THAT CORRECTLY . SECOND I HAVE ENCLOSED A LETTER FROM THE POST OFFICE THAT SHOWS MY RESIDENT ADDRESS WHICH THE ADDRESS IS NOT ON MY CREDIT REPORT . CAN THAY ADD THAT TO MY FILE I ASK ABOUT THAT SEVERAL TIMES AND NOTHING BEEN DONE.    ALSO MY XXXX XXXX  CARDS  HAS NOT BEEN UPDATED CORRECTLY AS OF XXXX XXXX XXXX  . ON MY OTHER CREDIT FILES IT BEEN UPDATED ON XXXX  AMD XXXX XXXX CORRECTLY , CITI CARD ONE SUPPOSED TO BE UPDATED ON XXXX XXXX AND THE OTHER SUPPOSED TO BE UPDATED ON XXXX XXXX . NEITHER OEN BEEN UPDATED AND I PAYED BOTH ACCOUNTS OFF WITH A ZERO BALANCE ON BOTH CAN YOU GET WITH THE CREDITOR ABOUT THIS .
Product: Checking or savings account

I had previously opened a complaint against PNC Bank regarding incorrect reporting. They said they would look into the matter, but I haven't heard anything back from them in a year. I have repeatedly called and emailed with no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FFCRA these companies are in serious violations and should not be on my consumer reports. 

1 ) Charge Off = 1099 C ( I have never received one ) 2 ) XXXX XXXX in the State of Ohio = I dont see any 3 ) Account has been permanently deleted from XXXX 4 )

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFP
Product: Debt collection

XXXX XXXX placed a collection on my and my sons credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports.
Product: Debt collection

Quality Asset Recovery ... # XXXX hasn't sent any correspondence in regards to this debt or responded to letters i've sent. Quality Asset Recovery isn't bonded to collect debt in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an Unauthorized Hard Inquiry Dispute Letter in writing via priority mail, tracking number XXXX, to The TransUnion Credit Bureau. I Requested that ( 1 ) Hard Inquiry Be Removed as it was ( Not Authorized ) by me. I contacted TransUnion Customer Service Dept today XX/XX/XXXX and was informed that the Inquiry will remain on the report unless I submit my fraud complaint to the Federal Trade Commission therefore, I am making this formal complaint as requested because I did not authorize this Credit Inquiry and as a result, I am being denied credit opportunities that I have worked Hard to achieve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute inquiries with XXXX Equifax, and XXXX over the phone they all 3 told me it can not be done over the phone, which I have always done in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the XXXX  is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA XXXX Section 605C is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human XXXX ( Regulation V )
Product: Consumer Loan

I purchase  XXXX   XXXX   XXXX  from  XXXX  on  XX/XX/XXXX . I agreed to pay {$540.00} for 72 months. which is 6 years which should be paid in full  XX/XX/XXXX . My balance with  Santander Consumer USA  is  XXXX . This Company has taken every payment that i have made and applied the total payment to Interest only and the loan is continue to accrue interest this has to be illegal a violation of the truth in lending act. They have report false information to credit reporting agencies. My credit report show that i have made a total o f 52  payment {$23000.00} and i still have a balance of  XXXX . My loan balance should be {$2800.00}. Please see attached documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Credit report and notice I have fraudulent accounts on my report. Please remove these fraudulent account off my report they are hurting my ability to obtain credit.
Product: Credit reporting

I had a 1995 bankruptcy process in case of chapter XXXX and recently asked for a car loan and I refused it because that chapter appears on my credit report and all debts. Trans Union call and tell me that is not in the report. but request in XXXX different places and all XXXX appeared they told me that Chapter XXXX
Product: Credit card or prepaid card

Hi, I applied for a Discover it card in XXXX last year. The card arrived on XXXX XXXX but I went on a vacation on XXXX XXXX so I missed the mail. 20 days later when I got back, I couldn't activate my card. I contacted the customer service, and they said that my account was closed, and I can only apply for a new card in the future. 

Recently when I applied for a new card at Discover, I was declined and the reason was 'insufficient credit score '. I have no other credit cards and only have applied at Discover, so I assume that the inactivated card affects my credit score.

On the Discover website, it says that Your card issuer may contact you if you havent activated your card after a certain amount of time ( typically 45 to 60 days ). That's far longer than 20 days, and I was never contacted by any means. My account is directly closed without warning, which severely affects my credit scores. I can't get a credit card now.
Product: Credit reporting or other personal consumer reports

Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : XXXX XXXX Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balance on this account is incorrect. The accurate balance is {$880.00}. I respectfully request you to verify and validate all data associated with this account. 

These inaccuracies not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also misrepresent my credit history, financial responsibility, and current account statuses. To rectify this situation and ensure the accuracy and fairness of my credit report, I am formally requesting the immediate removal of these erroneous items from my credit report. 
I am drawing your attention to the XXXXXXXX XXXX XXXXXXXX case, which exemplifies how incorrect reporting can negatively impact consumers ' rights and financial well-being. In the XXXX case, XXXX failed to remove inaccurately reported items despite discrepancies, highlighting the critical nature of accurate reporting and adherence to FCRA guidelines. 

Under my rights granted by the FCRA, I demand the swift removal of the aforementioned inaccuracies to restore the accuracy and fairness of my credit report. I kindly request written confirmation upon the completion of your investigation and the correction of these inaccuracies. 
I sincerely appreciate your prompt attention to this matter. 

Your assistance in resolving this dispute and upholding the accuracy of my credit information is invaluable. Should you require any further information or supporting documentation, please feel free to contact me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for XXXX XXXX.

Attachments included for your review. 
Multiple Violations of the FCRA

15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account. FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XX/XX/2025 if no payment history is available or known. Per the most recent reports, it shows all Xs.

XXXX XXXX refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND OCC that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. 

The inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX XXXX I have looked over my records and let you know that I did not authorize these inquiries. According to** Section 1681b of the FCRA**, an investigation can only be made on my credit report when I give consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report. 

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 

I looked at my Experian credit report on XX/XX/year> and 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 card

I have excellent credit and usually pay credit cards in full. It has been my experience in my 35 years as a consumer, that when you pay your balance in full, no additional interest is charged. That changed today when I called Chase and asked why interest was being charged after I had paid my balance in full. I accused them of using, suddenly, two different ways of calculating interest on my XXXX year old credit card with them. The representative confirmed they are using two different methods of calculation. I do not understand how they can make this material change to how they calculate interest on a credit card. Or, how there can be two different ways of calculating interest on XXXX card. I will not use credit cards that I consider to be usurious, but I think they are doing this to a lot of people without people 's knowledge. If this is illegal, I hope they can be stopped.