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

Creditor : XXXX XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so! 

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

Sent to CFPB [ XXXX XXXX XXXX ] [ XXXX, Ny, XXXX ] XXXX [ XXXX ] ** [ XX/XX/year> ] ** XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ** Dispute of Inaccurate Information and unauthorized credit reporting XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information reported on my credit file under the above-referenced accounts : XXXX Account # XXXX and XXXX Account # XXXX. My refusal to pay based upon not initiating such accounts. I have refused to pay the amounts claimed. Therefore, I am requesting an immediate investigation into the accuracy of this information. XXXX must provide authorize signature representing consent for such actions under Under the Fair Credit Reporting Act.

I demand that you initiate a prompt investigation into this matter, as required by law. I am also requesting date with signature confirming my authorization. I am entitled to a correction or removal of any inaccurate, incomplete, or unverifiable information from my credit report. In accordance with the FCRA and [ State-Specific Consumer Law ], you have 15 days from the receipt of this letter to complete your investigation and notify me of the results.

Please provide proof of my signature authorizing the opening of these accounts. If no such proof exists, I expect these accounts to be removed from my credit file and all related negative information corrected.

Please send confirmation of your actions to the address listed above and respond appropriately to CFPB case report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I agreed to terms with sales people at XXXX XXXX XXXX, and NMAC, and the terms were changed after purchase. A 90-day deferment is not being honored. Please see attached documents. 

A copy of the financing agreement was not provided to me upon signing the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXXXXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX  ; XXXX  XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 Equifax received dispute letters in regards to inquiries. Their response on XXXX XXXX from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Product: Debt collection

Date is shown XX/XX/year>, balance XXXX, trying to collect on this account that I don't have a contract or original agreement with NATIONAL CREDIT SYSTEMS
Product: Checking or savings account

I opened the account through a promotion in XX/XX/2023 that promised to award XXXX dollars signup bonus and XXXX more for deposits. I satisfied all requirements within 2 months, and haven't received the bonus. The one deposit checking account pages stipulates no minimum balance requirement so I assumed I do not need to keep any specific balance. The bank agent said the bonus will be awarded before XX/XX/2023 yet I never received it and my account was closed recently without any notification or warning while I am still using it to receive money. I was put on hold for more than 1 hour by multiple phone agents without any resolution and my bonus now can not be awarded due to a closed account. One agent said this might be caused by my balance being XXXX for a while before he put me on hold indefinitely again. All requirements were satisfied before the bank closed my account and the bank advertised no minimum balance requirement right under the open account button on their checking account home page XXXX XXXX XXXX. This seems like a scam to stretch signup bonus payment to more than 4 months and close the customer 's account right before the customer gets the signup bonus.
Product: Credit reporting

I submitted an original complaint through the CFPB on XXXX 2017 in regards to Experian reporting a public record ref : XXXX. Experian concluded the investigation stating that there was no public record on file and I would receive correspondence in the mail. I have not received results in investigation in the mail or seen a reflection of change of information being reported on my credit report. " According to our records, the disputed public record does not appear on your Experian personal credit report. We have mailed a copy of your current Experian credit report to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system. ''
Product: Checking or savings account

Opened a XXXX XXXX account on XX/XX/. The account was opened and an outside account was linked. But unable to transfer money. I contacted them via email and phone many times. They just asked me to wait and can not solve it and never reach back. After all this, I asked them to close my account and delete all my information. They replied to me with an email saying yes. But I could still be logged in and see my outside account linked there. The customer service is bad and never helpful.
Product: Credit card or prepaid card

My credit application was denied in violation of XXXX XXXX XXXX.
Product: Debt collection

I have no debt with this company no knowledge whatsoever of this account it keeps coming back as valid but it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

I was wrongfully evicted, I assumed the responsibility when my wages were garnished. For a little over a year I was garnished, the garnishment was paid in full. I have documents from my employer stating this. I called the National Credit System ( XXXX ) XXXX to inquire about the {$380.00} that is still on my credit. They could not tell me why I still have a balance even after my garnishment was paid in full. I have disputed this with XXXX, I submitted my documents of proof to them and they refuse to remove it from my credit. Please help me with this matter so I can move my children into a house.
Product: Debt collection

This complaint is for Ally bank. They have been harassing me and my mother for months. Seemingly by the same lady. She called my mother approximately a week ago from XX/XX/2020 and screamed at her through the phone, threatened her with legal action, yelled at her that she will be sued, and her account, credit and her will be ruined. The same woman called me today ( XX/XX/2020 ), was extremely rude and lied to me telling me that the truck was mine now and that my mother had told her I had the truck, and I was authorized on her account. She threatened me with legal action, threatened my mother again with legal action and said that the company will sue her and that things are going to get worse for her. I do NOT have any legal bind to said vehicle and they DO NOT have any authorization to call me. I've told them time and time again to remove my number and they refuse. My mother has been trying to work with the company since day one, and they refuse, they simply call to yell at her ( and me now ), threaten her and they do not provide any sort of help in the matter/ resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 15 USC 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 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a complaint through CFPB against the company Spring EQ. The complaint was in reference to an unauthorized hard inquiry on my credit report. On XX/XX/year>, Spring EQ responded to my complaint through CFPB, stating the following... 

" to resolve this matter satisfactorily, Spring EQ has initiated a credit inquiry removal with its credit provider. We hope this addresses your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX Spring EQ , LLC ''. 

As of today 's date, XX/XX/year>, this matter still hasn't been rectified. In fact, I received additional correspondence, via mail, which contradicted the above response from Spring EQ.

This company and experience have been completely unprofessional. 

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

I   XXXX   XXXX   am writing this request due to incorrect reporting on my credit file.     I went into   XXXX   XXXX    (    XXXX   XXXX   XXXX   ). On   XXXX   XXXX   because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to   XXXX   XXXX  . I then spoke with Owner   XXXX   XXXX   and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all three credit bureaus and still no response. I have also attracted a letter signed and dated by   XXXX   XXXX   that the credit pull on  XX/XX/XXXX  and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XXXX  . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because   XXXX   XXXX   me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that   XXXX   XXXX    Inq  uiry be  removed  My my cr edit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  7 othe r company 's without authorization or consent.     Including :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , MN  XXXX  The inquiry was submitted on    XXXX   XXXX    and on   XXXX   XXXX   XXXX     without authorization or consent.     2.   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , PA  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   and again on   XXXX   XXXX   XXXX  . Both without authorization or consent.     3.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   and again on   XXXX   XXXX   XXXX  . Both without authorization or consent.     4.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , TX,  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   Without authorization or consent.     5.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX  . Both without authorization or consent.
Product: Mortgage

XXXX XXXX XXXX Flagstar Mortgage Loan # XXXX Property- XXXX XXXX XXXX XXXX CO XXXX I did a mortgage modification XXXX XXXX with Flagstar after a Covid forbearance and I have been making the mortgage payments according to the modified loan that Flagstar sent me a copy of the Fully signed, notarized, and " fully executed '' Agreement dated XX/XX/XXXX ... I have made Seven months worth of payments but they refuse to apply it to the modified loan ... they will not update my online statements and they call me saying I owe a debt and to call back and when I do they tell me to call back in a couple weeks... and I have for seven months and now they do not respond to me at all ... I know my contract is legal but they just refuse to start applying my payments to it... Please help... XXXX XXXX XXXXXXXX Veteran XXXX XXXX
Product: Mortgage

XXXX XXXX WAMU Loan HolderFDIC Employee Quits and Goes Public With Complaint Against Chase, WAMU, XXXX and XXXX law firms.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financal loss, and I seek appropriate redress for violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/22 I sent TD Bank a document with original instrument stating accept for value return for settlement on the remittence slip that was sent to me by TD banks. I have not gotten a response yet nor any update on the remittence slip. I also contacted the CFO stating in the letter to validate this alleged debt with bookkeeping entries stating that they had the funds to disburse or have balance set to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX capital one, XX/XX/XXXX XXXX XXXX XX/XX/XXXX capital one XX/XX/XXXX unknow creditor inquiry XX/XX/XXXX capital one XXXX XX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX I just recently filed an Identify Theft my information came from XXXX XXXX this fraudulent account was not on XXXX XXXX I didn't realize it until I checked my Experian account I thought I had a freeze with all 3 credit bureaus so I am baffled how these fraudulent accounts are getting through
Product: Debt collection

I have submitted several disputes to Equifax in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the XXXX XXXX XXXX XXXX, an amount of {$370.00} was paid to XXXX XXXX XXXX HOSPITAL in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX HOSPITAL was renamed to XXXX XXXX. 

I have attached supporting documents.
Product: Prepaid card

Hi, I got a call from someone named as XXXX calling from XXXX Loyalty Department and said there is a promotion going on n based on that your bill will be reduced to 50 % monthly but you need to make the advance payment for 1 year which would be {$420.00} ( {$35.00} per month x 12 months ) and you need to buy a ReloadIT prepaid card using cash. It will be a scratch card and once you buy scratch and give me the number and I will load money into your account. Few of my friends have already did so, I did the same and money started reflecting in my XXXX account as + {$420.00}. But when my new bill got generated it was for same {$70.00} with {$20.00} return payment charges. When I try to investigate n chat with XXXX they said we have refunded the payment to your bank account but I said I never provided any bank account details so, provide me the details to which bank you have refunded they said they did n't have that detail. When I called ReloadIT company n asked to provide me my prepaid card transaction history they said your money did n't went to comcast, it went somewhere else but we can not provide these details to you, we can only give it to concerned authority person like police officer or a lawyer. So, now I do n't have any track to my money where its gone. I am trying to reach to that number but call to not going through. Its looking like a somone internally involved from XXXX who did this scam that he has access to my account to do the transaction. I do have a mail from him but I ca n't reply to that email ID as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a rhetorical question however why do I have inquiries in my report which are not mine? Recently, I viewed my report and I got shocked that I have somebody else info in my credit record. Is it legal in general? Why Bureaus failing to maintain procedures regarding the law mainly to check the information and update correctly? Could you imagine how these fake and wrong inquiries damaged my life recently when I was rejected because of them? Please can you investigate and remove these items from my credit report, come on its not a joke and because of these items I am in troubles. Thank you