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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX BalanceOwed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I applied for a loan through Veritas lending in  XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for  XXXX   XXXX  construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and  XXXX   XXXX  should have explained the discounts up front.
Product: Credit card or prepaid card

I received a notification today that Chase was increasing my interest rate from 11.24 % to 16.24 % simply because as stated on the letter, because the existing APRs are below the lowest APRs we currently offer. On the front and back of the letter, for everyone to see was the following statement : Important Information Enclosed Changes to Your Account. First, I am not happy that they have just decided after 13 years, that they need to gouge me with an interest rate of 16.24 % which is absolutely unconscionable in todays market. If they routinely charge their best customers that type of interest rate, I would hate to have missed a payment in those 13 years. I can only imagine how high the rate could go in that situation. Anyway, back to the letter. As I understand the privacy rules, Chase should be protecting my information, not publishing the fact that I have an account with their bank on the front of a mailing for the world to see. This was not even in an envelope, it was a Tri-Folded paper barely glued on the ends. Inside was the last 4 digits of my account. Anyone who knows anything about credit cards could quickly determine 12 of the 16 digits of my account simply by using one of Chases BIN and  the last four digits they provided in this very insecure mailing. That leaves only 4 digits to figure out. How long would it take for a computer to crack the code on that one? This was a very important notice. This is a notice that Chase should have to prove that the customer received. The fact that they just mailed it does not prove that a consumer recieved it. To be honest, I almost threw it away because it looked like junk mail. This is a change in the contract, not an adjustment based on the terms of the contract, but a change in the basic contract itself. Finally, I understand that Chase has itself covered from a legal standpoint on the interest rate adjustment, but I find it a very unfair practice to only adjust rates in one direction, that being up. Would it not be more fair to all the other consumers who have paid their accounts on time to recieve an interest rate reduction since obviously prime plus 5.99 % is more than a fair rate? I have closed the account with Chase because that was the only way not to have the rate increased, but this is not a fair way to treat consumers. Note that the attachment shows the condition of the notice as it was recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX  - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Bankruptcy flings Entry on Credit Report Dear Sir/Madam , I am writing to dispute a duplicate bankruptcy entry that appears on my credit report. Upon reviewing my credit report, I noticed that there are two instances of the same bankruptcy filing listed, which is inaccurate and misleading. I respectfully request that you investigate this matter and remove the duplicate entry from my credit report. 

Below are the details of the duplicate bankruptcy entry : Creditor Name : us bk ctXXXX XXXX XXXX Account Number : XXXX and XXXXXXXX XXXX  Date of Bankruptcy Filing : XXXX and XXXX Court Name : us bk ctXXXX XXXX XXXX I believe this duplication is an error, as there should only be one bankruptcy filing associated with my credit history. I have attached supporting documentation, including a copy of the official bankruptcy discharge papers, to verify that the bankruptcy was filed only once and has been properly removed. 

I kindly request that you promptly investigate this matter and remove both duplicate entry from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Product: Debt collection

All the collections accounts are on my credit I dont have any idea how that happens. I dont even received formal notice that I have to pay for something that I dont have any idea about. In accordance with the fair credit reporting act convergent Accounts Has violated my rights. 

15 USC1681 section 602 states I have rights to privacy.

15 USC1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain XXXX 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.
Product: Debt collection

XXXX XXXX XXXX XXXX  Account was paid in full on XXXX. Equifax has updated the comment on my account. It states customer disputes account paid in full. I want these dispute comments removed requested NUMEROUS times. I also request that the account be removed from my credit report since the account was paid off and settled
Product: Mortgage

I opened an account with Veteran 's United Home Loans around XXXX. I did not follow through with opening a loan that that time. About a month ago I contacted Veterans United to proceed with applying for a home loan. I was attempting to login into my account and kept receiving an error message stating " Incorrect Email Address or Password ''. I spoke with the technical support team and was informed that the email " XXXX '' was the email attached to my account. I informed them that this email was not mine and I had no relation to anyone named XXXX XXXX. The technical support team reset the email on my account. I then logged in with my email " XXXX '' and my password. I successfully logged in to my account. The account required verification of my last 4 of my social security number. I entered my last 4 of my SSN and received an error message stating that the last 4 of my SSN were incorrect. I again called the technical support team and was told my account had to be reset. They reset the account. This issue was re-occurring for weeks, until yesterday afternoon, XX/XX/XXXX. I successfully logged in to my account yesterday afternoon and went to upload my required documents to move forward with preapproval for a home loan. Upon opening the documents tab, I found XXXX XXXX 's documentation. Her driver 's license was in my account, her VA document with proof of disability rating and VA entitlements was uploaded with her address and last 4 of her SSN was in my account, and her LES- Military Earnings Statement, with her full name, DOB , last 4 of her SSN, and all of her military information was also in my account. This is a violation of the Gramm-Leach-Bliley Act, Health Insurance Portability and Accountability Act ( HIPAA ) and Health XXXXnformation Technology for Economic and Clinical Health Act ( HITECH ), he Family Educational Rights and Privacy Act ( FERPA ), The Privacy Act of XXXX, The Servicemembers Civil Relief Act ( SCRA ), and many other laws protecting personally identifiable information, military records, credit and financial information/ documentation, medical documentation, and disabilities. I am greatly concerned with the negligence Veterans United has shown in protecting the information and privacy of XXXX XXXX information, as well as my own.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.Sent Experian a certified letter via USPS tracking number XXXX XXXX XXXX XXXX XXXX recieved by Experian on XX/XX/XXXX at XXXX XXXX.I included 15 Unauthorized Inquiries I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that Experian DELETE these Unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 Experian Responded with a letter explaining hard and soft inquiries etc. ( report # XXXX for XX/XX/XXXX ) NO EVIDENCE of any authorization, nor any permissible purpose was given to me .Strangely enough Report Number XXXX Date generated XX/XX/XXXX Unauthorized inquiries were deleted!
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I sent an invoice from our company to a client. In early XX/XX/XXXX one of our vice presidents e-mail account was hacked and unbeknownst to him was used to send collection letters and a request to be paid with an ACH transfer. The hacker, using the e-mail account, completed an ACH request form and asked our client to send payment for the invoice which was in excess of {$30000.00} to a JPMorgan Chase account. Our company does not have an account with JPMorgan so this was clearly an attempted fraud. The form gives the JPMorgan account number, routing number, name on the account and the same of the authorized signer on the account which was a version of the name of our XXXX XXXX. Our company name and contact information was also on the form. Our client happens to have a policy to call when ACH information changes so the attempted fraud was stopped this time. 

I called JP Morgan Chase to report this attempted fraud in hopes that they investigate the account so that they can find out if the owner is really the person on the account. If they can find the owner, we would like to take action for this attempted fraud so that it does n't happen to someone else. JP Morgan would not discuss this with us because we are not a customer. Hopefully, there is some kind of way to encourage companies to participate in fraud prevention using information provided from anyone that has it. It was so disturbing that they would n't even look at the problem that I believe that if you are trying to use a bank to commit fraud, JPMorgan Chase is the bank for you.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX XXXX - XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to get New Truck I ask them not to run my credit before anything and they would run my credit once they ran my credit few to many times, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this already, out of court, back inXX/XX/2019. The apartment agreed to take XXXX rent and let me out of the lease. It appeared on my credit a couple years later and I disputed it off. Now, its back again.
Product: Checking or savings account

At XXXX on XX/XX/XXXX Capital One Bank NA became aware of an issue with a 3rd party vendor that led to deposits not being made into consumer accounts as scheduled. My paycheck is usually deposited early and was expected on XX/XX/XXXX. I did not receive any notification throughout the day about my deposit or withdrawals from my account. At XXXX, I received an email stating that an ACH payment was unable to be processed due to insufficient funds. When I checked my balance via the mobile app, I saw that my check had still not been deposited. At XXXX, I received an email from Capital One Bank NA communicating the issue regarding the XXXX party vendor. 
I get paid biweekly and funds to cover the transaction were in my XXXX  so if I had been notified they could have been transferred ( potentially causing me to lose money I would have earned from accrued interest ). But I was not notified and as of this morning XX/XX/XXXX, I still do not have my paycheck in my account. I have not received any additional communication from capital one and I have been on hold for XXXX minutes. I have several bills on autopay ( Because I go to work regularly and get paid regularly ) that will be drawn and returned as unpaid. 

I am not sure why Capital One Bank NA would not just hold payments while they are working to resolve this issue or credit accounts with regular direct deposits so that the accounts would not be overdrawn.
Product: Vehicle loan or lease

I was contacted by XXXX at Larry H Miller XXXX in XXXX AZ on XXXX/XXXX/XXXX stating that they may be able to get me into a new vehicle or better financing on my vehicle. I set an appointment for the weekend and selected a XXXX XXXX. I had negative equity in my XXXX XXXX. I was presented with terms for the new XXXX and was not comfortable with the payment. Upon a 2nd review by their financing department, the all of the sudden realized I still had equity in the warranty they sold me on the vehicle I was trading in. They were able to use this equity along with increasing how much they would give me for a trade to get me to a payment I agreed with. I was told by the salesman, XXXX, this would be my financing. It was explained to me that the way XXXX does their financing is they take your score and put it into brackets, whatever that bracket you fall into is what your rate and financing is. I signed financial documents including a truth in lending statement, power of attorney for the vehicle I was trading in and documents with my rate, terms, finance company name, payment and payment due date. These documents also include a breakdown of all fees, payoff of previous vehicle and services being financed. I signed these documents with XXXX and asked so if you guys cant do better, this is it and were done? No one is going to call and need more money? He assured me this was it but he didnt handle my type of loans so another person whos really good with old bankruptcies will see if he can do better. If they were able to get better financing I was going to go back XXXX  morning and resign new documents with the new financing. I did not hear back from XXXX, XXXX. I left a message with the receptionist, XXXX on XXXX afternoon and did not hear back. I called XXXX and reached, XXXX in the financing department. Expecting to hear they were unable to do better then XXXX XXXX, XXXX instead told me that I need either a co-signer or {$4500.00}. XXXX apologized and said its only about 1 out of 100 customers this happens too. That sounds like a lot of people they have been doing this to when you consider theyre one of the largest dealerships in the state. I provided a co-signer. I received a call today, XXXX  XXXX/XXXX/XXXX saying the co-signer is not enough and I would need the {$4500.00}. I am not being told I need to return the vehicle and take mine back. I was also told I will not be charged anything for the vehicle I have to return. I have not been told what happens to the {$500.00} doc fee I had to leave with them for electronic withdrawal. I am also contacting the FTC and our local media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX Digital Escalations Team