23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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

My XXXX account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX  refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to experian on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern:
I received a copy of my credit report and found the following item(s) to be in error:
1. The wrong amount is being reported
XXXX
Account Number: XXXX
This is not mine.
2. This an incorrect account number XXXX XXXX XXXX
Account Number: XXXX
Please remove this inaccurate information from my credit report.
3. This an incorrect account number
XXXX XXXX  Account Number: XXXX  Please remove this inaccurate information from my credit report.
4. This an incorrect account number XXXX XXXX  Account Number: XXXX
Please investigate and delete from my credit report.
5. This an incorrect account number
XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX
Please ensure that all information is accurate
6. This is a duplicate account
XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
7. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
8. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
9. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
10. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX
Please remove it from my credit report.
11. This is an incorrect account number
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Had a wells fargo account XXXX  they kept charging me for everything. At first iwas just irresponsible and did not know how to budget very well. but they charged me XXXX dollars anytime i went over draft. This was around XXXX. I ended up getting the account closed do to neglegence. Then in XXXX i believe i found out that i had another account there somehow, I went and got my check s the account was already open and i did not do it. 

I would like the damage reversed or to be compensated thank you
Product: Debt collection

On XX/XX/XXXX I enter a lease agreement with XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX. I paid my rent and any late fee as agreement. A new lease wasn't signed in XX/XX/XXXX because I was transitioning back to my family home. I asked and was granted permission to pay month to month. During XXXX of XXXX an inspection was performed in which I noted that the dish washer wasn't working. When I paid my rent for XXXX my payment was return to me along with a notice of eviction. Several days later a ledger from XXXXXXXX XXXX. This ledger had an incorrect monthly rent of {$1700.00}. They used this false information to generate late fees. 
The welcome letter plus copies of cashier 's check and money order receipts are evidence of rent payment.
Product: Mortgage

On XX/XX/XXXX, I address the fraudulent refinance activities that happened on my mortgage refinance closing with United Community Bank, with your closing attorney XXXX XXXX XXXX ID. # XXXX, XXXX United Community Bank said my account with XXXX XXXX was a XXXX and needed to be paid in full at closing, this lady took a settlement offer that only paid XXXX of what I owed on that account on the day of closing, and she also had documents that XXXX XXXX XXXX the XXXX loan originator that had her remove the XXXX Out of my Name. Should have been XXXX XXXX XXXX and not XXXX XXXX, they had just confirmed this information by email with me with XXXX XXXX XXXX by email on XX/XX/XXXX. You sold my loan and paid XXXX XXXX  on The day of my closing XX/XX/XXXX without my authorization, And sent transfer letters out later that was not sent Prior to loan been transferred to XXXX, and continue to cover-up the fact that you sold the loan on the day of closing. You than added my mortgage loan in some system that would allow you to transfer my loan around with the XXXX XXXX, And my mortgage loan was not in collection, but you added it to a XXXX Company, and changed the terms of my mortgage account without me know about the disclosure information until after the fact. Because you did not give me the right disclosure documents at closing, and XXXX XXXX was not at closing. 
This organization is fraudulent cover-up the fact that my Mortgage loan # XXXX did not exist from XX/XX/XXXX thur XX/XX/XXXX. We RXXXX XXXX XXXX XXXX XXXX realize i was try to refinance they created another mortgage account in my name with a XXXX collection XXXX XXXX XXXX. My XXXXl balance payoff was XXXX I made sure not to sign in this account because of the cover-up that was going on with the mortgage account number # XXXX this one loan is attached to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX this organization have changed my original property XXXX XXXX document, and create a different cancellation recorded document in XXXX XXXX in XXXX, and XXXX XXXX XXXX XXXX attorney XXXX ID # XXXX For XXXX XXXX XXXX XXXX XXXX knew this was a fraudulent mortgage account because investors or getting paid from my property. I have never sold my property, and my loan was always a conventional. I many fact about my mortgage loan and the fact you United Community Bank could not refinance my loan because it had already been paid and sold with misleading documents, im going to name everyone and subpoena everyone that had something to do with Mortgage loan # XXXX, XXXX, XXXX, XXXX, and XXXX case # XXXX I was to settlement pay-off of XXXX
Product: Credit reporting or other personal consumer reports

TransUnXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by TransUnion. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they XXXX be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ XXXX XXXX XXXX ] Account XXXX : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.
Product: Checking or savings account

Optum Bank is in nearly total violation of the disclosure requirements of 2 CFR Part 1030 - Truth in Savings ( Regulation DD ). Specifically, Optum Bank is failing to comply with substantially all of the requirements of 1030.4 Account disclosures ; 1030.6 Periodic statement disclosures ; 1030.7 Payment of interest ; 1030.8 Advertising. 

Perhaps most importantly, in violation of Regulation DD, the APR on Optum Bank Healthcare Reimbursement Accounts is not displayed anywhere on the Optum Bank web site or in any written material that is automatically provided to account holders. Furthermore, nowhere is it disclosed whether the monthly interest payment is based on the balance at the end of the month, the average balance during the month or some other value.

I was able to obtain the APR by submitting a prior complaint to the CFPB but account holders should not have to submit a complaint to the CFPB to obtain information that should be readily available under Regulation DD.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - XXXX inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I took out a loan for {$1200.00}. However, Ive encountered multiple issues with how the loan is being managed. None of my payments have been applied to the principal ; instead, all payments are going toward interest, which is highly unusual and concerning. 

Additionally, Ive been unable to update my banking information or pay off the loan through the website or app, leaving me trapped into paying exorbitant amounts. When I contacted customer service, they were unable to assist and informed me that only I could make changesyet I am unable to do so through the provided platforms. 

At one point, I mistakenly changed the payment date, which caused my monthly payment to increase from {$260.00} to {$330.00}. When I called to correct this error, customer service was unable to revert the payment to the original amount. Furthermore, when I attempted to pay off the loan, I was told this could only be done online, but the option to do so does not exist. 

Whats more alarming is that to pay off a {$1200.00} loan, Im being asked to pay {$1700.00}. This situation feels predatory, and I intend to report this as a scam.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX-XXXX
Product: Credit card or prepaid card

I have a " XXXX XXXX '' branded XXXX credit card provided by Comenity bank. I use this card monthly for purchases and pay the balance in full. According the marketing and terms of the card, " points '' should be accumulated when purchases are made. These points can be redeemed for rewards, Sony purchases, etc. On XX/XX/XXXX I received an email from the company stating that " were working hard to fix the rewards issues caused by our recent system update '' - I examined my account and noted that no points were accumulating despite eligible purchases being made on a monthly basis. After several months of waiting, I contacted the company on XX/XX/XXXX via their messaging center and notified them that points were still not accumulating. They requested that I contact the " XXXX XXXX team at XXXX '' and when I did so on XX/XX/XXXX, the representative I spoke with confirmed that my account was in a broken state because " XXXX accounts exist in our system and they aren't linked. '' She confirmed this is not something I caused or could resolve, and that she would escalate my case for resolution in XXXX weeks. Because the issue was not resolved, I called again on XX/XX/XXXX. Again the rep stated the issue needed to be handled by their " XXXX  department '', sent me an email with a case number, and estimated " a couple of weeks '' for resolution. Noting that the problem had still not been resolved, I contacted XXXX again on XX/XX/XXXX. Again I was told " we will send this to our XXXX  department, please wait XXXX weeks '' - I do not believe the company will ever make good on its promise and would like assistance in reaching a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

TransUnion I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Citi Bank, Card Member Services, XXXX, XXXX XXXX, SD XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Citi Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fill out a application for a jcpennys credit card, and the lady at the jcpennys said her credit score was  XXXX  hundred and she got approve for jcpenny card. My score is  XXXX , and they did not approve me and I fill like u got discriminated against.
Product: Credit card

The option to pay doesn't appear for me at all on their site. I was able to pay in the past, but now I've been unable to make payments due to this. I've tried different browsers and devices, but the issue still persists, so it's a problem on their side, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.