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

I would like to dispute the following listed hard inquiries ; I have not applied for anything since XX/XX/XXXX. Back when I applied for my auto loan. I have attempted to reach out to the companies. I am not aware of the following listed accounts. Unfortunately I have not been able to get a resolution. Please investigate an remove inaccurate information. I have been a victim of identity theft before. I have notify each credit bureau in the past. 
Ive also taken safety measures to reduce my risk. Which these companies have failed to do. I should have received a phone call to verify my identity. Before any company can have access to my credit files. 

I have attached my id & proof of new address. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7800.00} XX/XX/XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX XXXX  XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( CONN APPLIANCES INC - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( CONN APPLIANCES INC - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX 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

Last night I attempted to access my Transunion account in an effort to keep it active and up to date, only to be required to enter a 6 digit passcode sent to the email address associated with the account which took long enough to arrive that it had expired by the time I entered it, causing my account to be locked. I promptly initiated an unlock request through the procedure made available through the merchant 's website, only to be subjected to a repeat of the episode this afternoon, as another passcode was sent that took over 25 minutes to arrive ( although the email timestamp falsely indicates that it was sent immediately, it took over 25 minutes to appear in any of my email applications in use at the time on a variety of different devices ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My daughter did not had a bank account and wanted to apply for a cash loan I provide her lender my information to deposit funds to my account to transfer to her. Apparently was a scammer who pretended to be me and use my information to file a claim and stated that the ATM was faulty and that I deposit XXXX which it was not correct. The Bank without question issued a credit to my account but my account stayed the same fund amount without any change. The XXXX was deposit from XXXX XXXX and I proceeded to transfer to my daughter XXXX XXXX  to help her. I received a letter of a claim from bank a America I never claimed I called Bank of America on XX/XX/XXXX to state that it may be a scam since I never authorize a claim. I trusted they closed the account but instead the proceeded to investigate without closing it. No paper work or background information was provided to me showing I was the one making deposit of XXXX in the ATM nothing no explanation but they decided to deduct out of my account XXXX without explanations.I want full refund of that transaction and stop further deductions to my account. What they did is illegal and I demand proof it was me who did this transaction. A scammer pretended to be me and now Bank of America want to penalize me for it.
Product: Checking or savings account

XXXX XXXX XXXX was opened without my knowledge or consent XXXX XXXX XXXX was open without my knowledge or consent
Product: Mortgage

The mortgagor ( my dad ) passed away, was the only one on the loan and didn't leave a will. My mom appears on some documents as third party. Unfortunately the home is on foreclosure and the mortgage company only gave 30 days to come up with the money of the full debt and/or to speak to them regarding the mortgage. However the current mortgage company won't provide any information as to what are my mom 's options as to paying for the mortgage. I'm the older daughter and I'm trying to get pre-approved to get a mortgage and have begun the process however I need time to be able to complete this process and payoff my mother 's loan. We called the mortgage company to try to get information as to what are our options to transfer the loan to my mom 's name and one rep advised to send a copy of my dad 's death certificate which was sent to them numerous times to for it to be updated to the account so that we may be able to get account info but every time we call we get different answers from reps and most of the time they won't talk to us. They said that they will need a will, executive of estate or order by judge but we can't apply for any of these because this process will take way to long and by that time we may lose the property. My mom lives on a fixed income and can't afford to pay expensive legal fees. We are desperate and don't know what to do. We want to speak to the mortgage or their representatives to let them know that we want to save the property and we are working on getting a pre-approval to payoff the loan with them but they won't speak to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I am trying to dispute an account that lists a single month as late on my TransUnion report. I now have a document from the original creditor PROVING the inaccuracy. The creditor has tried multiple times to get TransUnion to fix this, as have I. They will not even let me submit a dispute and attach the document at this point. The whole situation is absurd and I need this to be resolved ASAP. This is a violation of the FCRA and is not acceptable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 or other personal consumer reports

Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and XXXX has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the XXXX and Equifax has.my date of birth is XX/XX/1981 XXXX has it XX/XX/1981 its wrong. 
XXXX has my employer direct deposit and Equifax has XXXX and that is wrong need to be updated. 
XXXX XXXX XXXX  original balance is wrong has {$10000.00} for Equifax and {$5300.00} for XXXX the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX XXXX XXXXXXXX open dates are wrong on tranunion and XXXX and needs to be removed. 
XXXX XXXX XXXX XXXXXXXX original balance is wrong on XXXX {$800.00} and Equifax is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on XXXX and XXXX shown two different dates and need to be removed of my report.also the past due is showing two different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing 2 different dates XXXX and Equifax and report dates are both off and needs to be removed off my report. 
XXXX  # XXXX loan terms are showing two different years on XXXX and Equifax. Reporting dates are both wrong on XXXX and Equifax and needs to be removed off my report. 
Bankruptcy XXXX  XXXX need to be removed courts does not send any data to credit agencies and need to be remove due to privacy
Product: Credit card or prepaid card

This is the second time Ive been locked from my Chase Business card account. Last time this happened, resolution required 12+ hours of active effort and two visits to a branch. Four calls and hours on the phone today later and I cant even make contact with a representative. The system employed to return calls or avoid hours on a droning wait line does not work. Chase makes it impossible to contact the relevant team, and can not escalate issues to any representative capable of resolving the issue. Chase wants you to spend hours driving to a branch and can not make investments in supporting costumers during a pandemic. This is a massive abuse of costumer faith, and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding two late payments reported byXXXX XXXXon my credit account. 
As an authorized user of this account ( Credit Card under my wife 's name XXXX XXXX, ac # XXXX ). I have maintained a consistent history of timely payments for several years. However, XXXX XXXX reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including email, text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. If the reported information can not be verified, it must be corrected or removed. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. XXXX XXXX failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If XXXX XXXX can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law.

Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

1 ] I got 2 credit cards from XXXX XXXX in XXXX. XXXX [ XXXX ] in XX/XX/XXXX and XXXX [ XXXX XXXX ] in XX/XX/XXXX. They both had {$500.00} credit limits minus the subscription deposit fees required for each card. 

2 ] In XXXX of XXXX both cards were fraudulently charged, XXXX over {$600.00}, XXXX over {$700.00}, even though they had less than {$300.00} of available credit. 

3 ] I called and told Continental Finance that both cards had unauthorized charges. Each time I would call and speak with a rep, they would say something different. One rep would say they would remove it, but then a different rep would say they couldnt do anything. 

4 ] XXXX XXXX sent various letters for both the XXXX and the XXXX cards, going back and forth. One letter said they would credit {$500.00} on the XXXX account, another letter said they hadnt heard from me, one letter said that they were closing the claim, one letter claimed they did not know about the problem and that it was too late to fix it. One letter said that there was a fraudulent charge amount of {$610.00} in dispute on XXXX but that they couldnt fix it. [ XXXX XXXX XXXX letters ] 5 ] They continued to charge interest and other fees on these fraud charges and reported it to credit bureaus. 

6 ] I tried numerous times to report this to XXXX with no luck. 

7 ] By spring of XXXX, when I tried to log in to XXXX and XXXX and see my accounts, Continental Finance had made both accounts inaccessible online, so I couldnt see what they were doing to the accounts, other than what they reported to credit bureaus. Even after theyd made the accounts inaccessible online, I tried to send a few payments to get them to stop the negative reporting. 

8 ] Continental Finance closed the XXXX account and reported on credit as a charge off of {$1100.00}. They reported the account as {$0.00} balance. Then reported it as a charge off for 7 more months. [ XXXX XXXX XXXX Bank XX/XX/XXXX page 1-3 ] 9 ] For the XXXX account, Continental Finance, closed the account and reported it as a charge-off, written off {$1500.00}, but turned around and kept it as though theres a balance of {$1500.00} owed. They continued to report it as a charge off every month from XX/XX/XXXX through XX/XX/XXXX totaling 30 months of charge-offs that apparently arent charge-off because they are still maintaining there is a balance. [ XXXX XXXX XXXX XX/XX/XXXX pg 1-3 ] 10 ] Then they proceeded to continue to report the XXXX account as a charge-off every month for numerous years, sometimes also reporting the account as no payment, totaling over months of charge-offs 11 ] I would try to get XXXX to look at what Continental Finance was doing, but since I had tried in the past, they wouldnt accept any new dispute. 

12 ] Then in XXXX of XXXX, out the blue, Continental Finance started calling me, harassing me about the XXXX account. 

13 ] I tried again to file a dispute to XXXX, but since I had tried to report discrepancies in these cards before, which Continental Finance had responded to and debunked, XXXX wouldnt allow me to appeal any of the false information they reported.
Product: Credit card

XX/XX/year> I bought one wifi router online ( XXXX ) and XXXX took 2 of them. I contacted them immediately to cancel the purchase, but they said the item had already been shipped and I couldn't cancel. They said they would refund my credit card if I returned the item after receiving it, so I asked for an address to return it to, but the address is in XXXX. It's a fraud company where you have to pay expensive shipping costs and who will return it? 

Since a refund was not possible, I called my credit card company and explained everything and requested a refund, but they said they would investigate for 60 days, so I waited, but nothing was resolved and I was only scammed. This is what I have so far. I am sending the credit card company and bank information as follows. 

Venmo / XXXX XXXX XXXX XXXX XXXX bank : synchrony bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request refund the money : {$130.00}
Product: Mortgage

I have been receiving emails from QuickenLoans almost daily saying that rates have gone down every time I tried to see what the rates were and the closing costs they would call me I finally spoke to XXXX XXXX and told her I was interested in refinancing my current Quicken Loan mortgage but first wanted to know exact closing costs interest rate and payment but I didnt want a hard hit on my credit I did tell her on the second or third call that my credit was in the mid 700s she replied my exact number I asked her how she got that without me giving her my social security number she told me she had it and my financials because I have my mortgage with Quicken she then quoted me a payment, rate and {$5000.00} closing costs we did become quite friendly in our conversations taking about matters other than the loan then at the end of our long conversation she told me I would have to pay {$6000.00} in closing costs if I wasnt living there I told her I shad rented it on a month to month to a young man that is a son to me. I then received paperwork with closing costs of $ {$8500.00} and saying estimate cash to close from me would be {$740.00} which really upset me when I contacted her about this I had already made up my mind that even if I were going to refinance with Quicken I would never use her as my agent I told her that and that she ran my credit without my approval her reply email said I stated on a recorded line that I allowed her to pull my credit ( not true ) and as far as the paperwork she wrote to be legally in compliance have to mail documents to each client and the computer software chooses the paperwork that is sent and often wrong. That totally perplexed me as its paperwork they wanted me to sign.