23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against American Express credit card ending in XXXX under the name of XXXX XXXX. 
Some of the charges are unknown and unauthorized and some additional fees have been imposed on them too. I tried to resolve the issue but the call is usually disconnected after long holds and various transfers. Id really appreciate if u could help me resolve this issue. 

Theres a transaction of {$100.00} on XX/XX/XXXX is which is completely unauthorized. I dont know how and why it was posted. 

Another unauthorized transaction of {$440.00} was posted on XX/XX/XXXX under the name of XXXX. 

Since I paid my XXXX tuition fee a number of times, it seems that I was mistakenly charged a {$75.00} on XX/XX/XXXX. 

On top of that, I have been charged a late fee of {$27.00} on XX/XX/XXXX and interest charges of {$2.00} and {$86.00} on XX/XX/XXXX and XX/XX/XXXX respectively. 

Id be extremely grateful if u could help me waive off these above mentioned charges and resolve the issue. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card account with Wells Fargo by going inside the branch and paying my last statement balance with the teller. Several months later I received a late payment on my credit report for that same account, which still showed as open. I called and spoke to multiple representatives, who admitted fault that some mistake must have occurred. I paid the balance they were requesting and again implored that they close the account to which they obliged. 2 years later and this false late payment is still on my credit report and the account was STILL open, now with fraudulent information on the account so there was no way for me to verify it. Wrong address, wrong Mothers maiden name, marked as fraud and refused to close the account since they could not verify me as the owner. After being transferred XXXX times the account was finally closed, but they still refuse to take the false late payment off of my credit history.
Product: Credit card

On XX/XX/year> I made a payment of {$300.00} on my credit card to be paid on the due date which was XX/XX/year>. On XX/XX/year> the credit card company took the entire balance which was {$6400.00} out of my checking account which left it at with a negative balance. I called the credit card company and they said that they would put the {$6400.00} back into my account resulting in a positive balance, which they did on XX/XX/year> and they told me just to pay the {$300.00} once the balance was put back on the credit card. However, on XX/XX/XXXX they once again tried to collect the {$6400.00} from my checking account. I do not have that much money in that account. This has resulted in a negative balance. I pay my other bills from this account and now the bills I have paid are being sent back as insufficient funds. The reason why I got this credit card years ago was because of the very low interest rate for the life of the loan. I have been religiously paying on it for the last few years every single month. First, I am afraid that the bills that I have paid using my checking account will come back as insufficient and I will be charged fees for those, which would probably affect my credit score. Second, Im afraid that I will lose the very low interest rate that I have for the balance of the credit card. Any help you can offer would be greatly appreciated. Thank you for your time.
Product: Mortgage

I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.
Product: Debt collection

The XXXX XXXX XXXX has called me multiple times about a debt that is not mine. The XXXX has also called my place of employment and harassed my employees about verifying if I work here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below need to be corrected : 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Debt collection

15 U.S. Code $ 1681c-2 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 the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer re
porting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I went to try to get an auto loan. My XXXX  was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off XX/XX/23.
Product: Credit reporting or other personal consumer reports

I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 

In addition, I have attached documentation for public records in accordance federal consumers law U.S.1681b.this information is clearly being intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. In addition, the reporting agencies removed all accounts per previous filing and placed them back on my report without any written notice within allot time frame of 5 day.s XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please correct and remove all names that are not associated with my legal identification. All documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am actively in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Product: Debt collection

Account has wrong information. Never opened an account that year. Amount owe {$3200.00}
Product: Credit reporting or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian and XXXX. Dispite sending them the letter. I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Experian Subject : Unauthorized Hard Inquiries on Experian Credit Report FCRA Violation Complainant Information : Full Name : XXXX XXXX XXXX Complaint Summary : I am filing this complaint against Experian for failing to remove unauthorized hard inquiries from my credit report, despite my formal dispute. These inquiries were not authorized by me, and I suspect fraudulent activity or unauthorized access to my credit profile. 

Under FCRA XXXX, credit bureaus must verify all information on a consumers report within XXXX days or remove unverifiable data. Since I did not authorize these inquiries, and Experian has failed to provide proof of my written consent, these inquiries should be deleted immediately. 

Disputed Hard Inquiries : Company Name Inquiry Date ( XXXX ) XXXX ) Cap XXXX NA XX/XX/XXXX XXXX ) XXXX XXXX Services XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Dealer XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries have damaged my credit score and should not be on my file. Experian is legally required to remove inquiries that can not be verified with my written consent. 

This case requires immediate resolution to prevent further harm to my financial standing. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a factual dispute to CRA Experian on XX/XX/scrub>XXXX. On XXXX I received an email alert that my dispute had been resolved. Experian FAILED to process my dispute as required by FCRA. I called and spoke with XXXX on XX/XX/scrub>XXXX to request they supply the method used to verify the details listed in my dispute only to be advised this was not their practice and no request would be accepted. Please process my factual dispute and remove erroneous information from my personal credit profile.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. I WAS A VICTIM FROM THE XXXX XXXX BREACH IN 2017, AND BY SOMEONE WHO USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS. SHE HAD MY INFORMATION BECAUSE SHE USED TO DO MY CREDIT REPAIR. ALTHOUGH I PREVIOUSLY PAID ON THESE ACCOUNTS TO GET THEM REMOVED, I NEED THEM CLOSED AND REMOVED FROM MY CREDIT REPORTS EXPEDITIOUSLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX and Transunion refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to let it be known that i am a victim of identity theft. I have listed the items on a separate attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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

Macy 's credit card did not send statements to me and then Macy 's Credit Card services reported me to XXXX and XXXX for delinquency and my XXXX XXXX suffered. When I asked from Macy 's Credit Card for proof of mailing of credit card statement, Macy 's credit card could not produce one and removed delinquency from my account, however another department of Macy 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''
Product: Credit card or prepaid card

I received a direct deposit from Michigan unemployment my cash app account. I was able to use the card that I had requested from cash app to make three small purchases. After which point they have frozen my account and only access to funds. I have reached out to the company via email and XXXX as they have NO phone number for contacting a human representative. I have not gotten a response as to the issue or a solution. It has been over three days since my initial contact with the company and no response.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention several discrepancies and inaccuracies that I have recently discovered in my credit report. As a diligent consumer, I am fully aware of my rights outlined in the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute these discrepancies.

Specifically, under 15 USC 1692f, it is clear that debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Upon reviewing my credit report, I have identified multiple accounts that appear to be in violation of this statute : 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 Your adherence to the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681 ( a ) ( 2 ) ( b ), seems to be lacking. This statute prohibits certain types of information related to " credit cards '' or similar financial instruments from being reflected in an individual 's consumer report. It's important to note that the term " credit card '' extends beyond traditional bank-issued cards to encompass any mechanism used for deferring payment or borrowing funds, including personal identifiers like Social Security Cards or Driver 's Licenses. Your oversight in this area, and the subsequent failure to rectify such errors, raises serious concerns.

Additionally, I am troubled by the inclusion of detailed records of my interactions with third parties in my consumer report. The Fair Credit Reporting Act, particularly through 15 U.S.C.

1681a ( 2 ) ( i ), mandates that consumer reports should not contain information pertaining to transactions or engagements with other entities. Given the importance of accurate credit reporting, I kindly request that you conduct a thorough investigation into these discrepancies as soon as possible.

I expect your response within 14 days and urge you to remove all non-account holding, unauthorized inquiries, and any other information from my consumer report that is irrelevant, breaches privacy, or violates any other provisions of the law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX Bank of America for no reason closed my account and did not send me any letters or communicated with me on why. 

I have been a client of theirs for over 10 years with multiple bank accounts and Merrill Lynch accounts with proven cash flow exceeding the $ millions. 

Despite that they cancelled my credit card with {$15000.00} in credit line. That is utterly unacceptable and I want this reopened.