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

I am writing to inform you that I have been a victim of a data breach, and as a result, fraudulent inquiries have been made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report. 
The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I lease a XXXX Dodge from XXXX XXXX XXXX in WI XX/XX/XXXX. After the XXXX truck was found to have XXXX more miles than advert sed I have no idea why this is cutting off/ going XXXX. 
I was not provided with and account number or mailing address nor exact payment amount. I contacted Ally Bank on or about XX/XX/XXXX. I sent a payment per verbal instructions. Then I sent a double payment in late XXXX I noticed a partial payment due. I contacted Ally and was informed it was a late charge from XX/XX/XXXX. To which I informed them it was their error in not providing a payment amount, due date, account number and mailing address. 
The person was not authorize to correct so the put in a request. A few weeks later ( XX/XX/XXXX ) at approximately noon I received a collection call stating I was 31 days past due because of a returned check. I advised them that was not possible as it was a cashier 's check. They said it was in the amount of {$2000.00}. I advised them I had never sent a {$2000.00} check. Collector claimed it did not matter that I wa 31 days past due and needed to make an immediate payment. After a " heated '' exchange I hung up. I contacted both the dealership and ally and got lots of reasons why I was past due from they do n't accept multiple payments to a returned check. I ask multiple times verbally, emailed and wrote letter to get address of their regulatory agency to file a complaint. To which I never received a valid answer. 
When I was told it was corrected ... I never got a copy of my credit report showing that it was removed or corrected. 
They sent me some kind of accounting statement showing I made 6 payments in XXXX XXXX and XXXX payments were reversed in XX/XX/XXXX. Which is not a payment history of my account as requested. Nearly 20 hours of business time was spent correcting this only to find out it was still not corrected. The Ally contact with XXXX XXXX XXXX called and during that conversation it was discovered that Ally had added an additional late fee to my account when they had reversed a double payment twice on XXXX XXXX, XXXX. 
I have a verbal phone call that I made that appears that the current amount due is correct as the next due date. I have no in writing evidence of that as was promised on several occasions. Obviously this is a condensed version of what happened during countless phone calls and at least 20 hours of business hours lost. Not to mention multiple harassing collection calls. When they were directed not to call again unless they had a resolution. It was explained to me at one point that collections and the department investigating the issue have no means of corresponding with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  #XXXX  is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Product: Debt collection

They have sold my personal information to third party debt collectors companies.i need delete collections 15U.S.Code 1692c 15U.S. 1692g 15U.S. 1681e ( b ) 15U.S. 1635 15.U.S.1692g Ive spent nearly {$1000.00} with credit repair.com to fix my credit and nothing was done. I get harassing phone calls and emails from creditors. Im currently on XXXX XXXX as when and no income.
Product: Mortgage

This is in reference to my original complaint from last month. It was only BRIEFLY corrected but now Bank of America is once again reporting a past due payment which is incorrect. This has been goin on since XXXX! I received a message on XXXX, after my original complaint that corrections were made and at that time my account reflected no late payments and now the account has been updated and reflects a {$1500.00} past due amount. This is costing me money as i am unable to refinance due the errors on my account. This has caused great financial & emotional stress in my family and needs to be rectified immediately. Calculations will confirm that a refinance would have saved me almost $ 1000 monthly, since the lenders now request 3 months of statements for heloc accounts showing on time payments i have been unable to proceed with a refinance. I have contact BOA countless times via their online portal and phone. Each time they state that this will be corrected and someone will get back to me, which is not the case. PLEASE HELP as this egregious error is causing mE financial stress and i do not have the time or energy to continue contacting them since they are of no help whatsoever.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent experian a letter asking them to verify the debt that they are claiming to to be reported on my credit. I have waited XXXX  days and they have not responded to my request and have not even let me know they are processing things
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for FCRA Violations Dear CFPB, I am submitting this complaint to address significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Equifax, which have caused substantial harm to my financial and personal life. 

Equifax has failed in its legal obligations by : Not conducting reasonable investigations of disputes I submitted, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failing to ensure maximum possible accuracy of reported information, per 15 U.S.C. 1681e ( b ). 
Reinserting inaccurate information into my credit report without providing proper certifications and notice, as required by

15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Equifaxs negligent practices have been well-documented, including recent fines and penalties imposed by the CFPB for improper inves
tigation of disputes and inaccuracies. These practices have directly impacted me, resulting in : Denial of credit opportunities Increased interest rates Emotional distress and financial hardship Additionally, I was a victim of the Equifax data breach, which further exposed my sensitive information and amplified the harm I have suffered. 

Requested Resolution : Immediate deletion of all previously disputed negative items on my credit report that were not properly investigated, as mandated under FCRA guidelines. 
Confirmation that Equifax will cease reporting inaccurate information in the future. 
Assurance of compliance with all FCRA obligations moving forward. 
These violations have hindered my ability to progress financially and have caused unnecessary stress and hardship. I urge the CFPB to take swift action to address Equifaxs systemic failures and enforce compliance with the FCRA.
Product: Bank account or service

I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service.
Product: Credit card

Hello, I am writing a complaint regarding my bank of america credit card. I was approved for bank of america credit card and last time I called to order a replacement card, but they told me my account was closed. They could explain me the specific reason to close the account. I disagree with their decision and ask you to help me reopen my card and send me a replacement physical card. I don't see any legitimate reason to close my card. I am completely disappointed by the way they treated me. Please help me with this issue. Thank you in advance.
Product: Debt collection

I have received repeated phone calls from this company and have ask them numerous times to stop and they won't
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX which falls under trafficking-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- XXXX ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts Account Name : XXXX XXXX  Account Number : XXXX Amount : {$7800.00}
Product: Payday loan, title loan, or personal loan

Tribal loans were signed up for online using my information. I have since closed my accounts and changed credit card numbers. I have been notified the debts are being collected by Customer Care Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX The company was notified via email on XX/XX/XXXX 
The fraudulent deposits into my account were made by a shady group of online tribal lenders. 

The websites were XXXX XXXX and XXXX XXXX 

I am unaware of how my information was obtained. I have also received threats from other companies in this group of loan affiliated companies alleging loans taken out years ago that never happened.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP MONDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF XXXX PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Money transfer, virtual currency, or money service

Hello, I have been inexplicably been locked out of my XXXX account ( Coinbase.com ), as of XXXX XXXX 2017. 

When I try to log in, it says " Sorry, account temporarily disabled. Please contact support ''. 

I have around XXXX GBP stored in the service across two " cryptocurrencies '', but also in hard cash ( GBP ). I need access to these funds urgently. 

I have not been using my account fraudulently or in anyway that contradicts their 'Ts & Cs ', I am a XXXX resident [ XXXX citizen ], whilst they are a US company so I  have been advised to contact you. 

I have been unable to get hold of their customer services team and it has been 48 hours, I am currently travelling ( in XXXX ) and need access to my funds. 

My customer service 'Case ' ticket number is # XXXX Please advise, Thank you and kind regards,
Product: Credit card or prepaid card

Filed a dispute for XXXX and XXXX. The company Goldman Sachs can not respond with consistent information I get no or different information each contact Representatives only know how to file a dispute whether I approve or not. I have written a letter had to call for them to tell me they responded. Never got a response before calling. One part the XXXX. XXXX was approved but not the XXXX. Nobody knows what is going on. Also Sent payment told by two reps it would be applied to balance only this didnt happen called no explanation other than Im sorry. This is sad. I have never ever endured this with a credit card company. Their customer service is horrible and inconsistent please get my XXXX refund which they have out on a new payment plan The purchase was made in XXXX of XXXX. I have already paid this. How can one start a payment plan in XXXX for a XXXX purchase. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the Fair Credit Reporting act XXXX XXXX, inc # 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 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
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I made my payment online like I normally do each and every month. I was paying off the remaining balance of {$310.00}. Fast forward a month, I receive a notice that my payment never went through and I incurred a 30 day late mark on my credit report. I have asked Nordstroms to fix this reporting as this is their error and not mine. I confirmed with my bank that there was never a payment presented to them. I have not changed my banking information at all in a couple of years and i have never been late on this credit card or any other credit card that I utilize. This late mark is now causing me not to be able to purchase a new home.
Product: Credit reporting or other personal consumer reports

From XXXX all the way to XXXX Wells Fargo allowed its employees to open accounts and Identity theft credit reporting service without authorization from myself. It used a third party company that was also privy to my my personal information that then was most likely used by other company without my consent or authorization. The company didn't inform me until XX/XX/XXXX. The amounts that was taken was a monthly fee that they could not provide. They offer a settlement for the un-authorization use for Identity theft service. But never addressed the opening and closing of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE NISSAN MOTORS ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, XXXX OR NISSAN MOTORS ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU
Product: Credit card or prepaid card

XXXX store credit card. I'm being contacted by XXXX XXXX direct instead of XXXX themselves. They never charged my credit card for my membership so I'm not a member. I applied for a direct XXXX XXXX credit card but was denied. They're threatening to close my card because I don't have a XXXX membership. My minimum keeps changing. As of today I haven't received my bill statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i received alert from XXXX that XXXX added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but XXXX all Credit acceptance to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and XXXX before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that XXXX say they go by policy and procedures but when does it apply when its finacial benfincial to the company and XXXX are for the consumer, XXXX  does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the credit acceptance and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but XXXX   allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons
Product: Credit reporting or other personal consumer reports

Failure to validate or Verfiy things listed on my credit report. USC Fair Credit Reporting Act anything furnished on my Consumer Report must have permissible purpose. 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. According to USC 1681E states a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible possible accuracy of the information concerning the individual about whom the report. These accounts still exist on my credit report which violate the laws that I have previously listed. They accounts are listed with Transunion only. They are XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is being improperly reported negatively effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX TransUnion Credit report shows an increasing number of inquiries. 

Perhaps I have indeed enquired about obtaining a credit card or a service, but any or all cases, I did this inquiry only XXXX time. 

Please find my recent TransUnion Statement shows this : Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Most of these are full-frontal abuses of my having given a request. Why are they allowed to continue to hurt my credit report by contacting TransUnion -- long after they have turned me down. 

What can be done to have these extra and abusive credit checks erased from my TransUnion report? 

Can you help me clean up my report by helping me in contacting each of these abusive post-denial-of-my credit activities to hurt me?
Product: Mortgage

ERROR OF FEES NOTICE AND COMPLAINT OF UNAUTHORIZED FEES, ACCRUAL OF FEES, INTEREST BASED ON THE FEES AND ACCOUNT ADJUSTMENT BASED ON IMPROPER AND ERRONEOUS FEES. 

THIS INFORMATION IS BEING REQUESTED IN WRITING AND A RESPONSE IS REQUIRED. PROVIDE THE REASON FOR THE FEES FOR SERVICE/INSPECTIONS AND OTHER FEES DISBURSED FOR XXXX AND XXXX AS IS INDICATED ON THE ACTIVITY STATEMENTS. 

PROVIDE THE PERTINENT INFORMATION, INCLUDING SIGN IN SHEETS, PHOTOS BEFORE AND AFTER THE INSPECTION/SERVICE, COMPLETE REPORTS FOR SERVICE PROVIDED, FEE SCHEDULES OF SELECT PORTFOLIO AND OTHER INFORMATION.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I received a copy of my consumer report with accounts furnished fraudulently. The consumer reporting agency has failed to investigate my credit report multiple times. I have been a victim of Identity theft like I stated in my prior communication. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. No evidence has been provided to me to validate these accounts in question. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information.he accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts shall be removed.
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 confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX** Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

I track my credit information monthly, and two out of the three companies have my numbers in the 700. One has my numbers in the mid 600. I check my report and they have not updated my payment history in four months. When you go to dispute the information they say the card companies have not sent the updates. How is it the other two companies get the update monthly and this one does not get any for four months. You are directed to contact the credit card companies. I don't think it has anything to do with the card companies, I think it because I am XXXX American and it known that some of us have bad credit but to keep the one down who have fairly good credit is unfair to say the lease.