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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ). 

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 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 Violation : Discrepancy in verification compared to other bureaus, indicating potential inaccuracy, a violation of FCRA 1681i ( a ).

These inaccuracies on my credit report have significantly affected my life in a myriad of ways. To illustrate the emotional toll, I would like to share a personal story : In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ). 

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ). 

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I received a phone call on the store phone number demanding i pay {$140.00} for a company I have never heard of and a bill was due to pay for a outstanding contract. He threatened to take me to court and sue me for this amount. I asked for a copy of the contract and he said he will not send me any contract and kept demanding payment. 

Today XX/XX/XXXX, i received a letter for a debt for my business and i called the phone number on the paper, the lady who answers asks for the case number and they immediately transferred to a XXXX. XXXX immediately demands how do you want to pay? He wanted me to pay a different person and a different address from the letter and the company. I asked for the contract again and he refuses to send anything and threatens to sue me. I told him if you cant send me contract you will not get paid. I hung up because he was very rude and all he wanted was money. 

I do not do any business with XXXX XXXX XXXX, nor ever heard of them. Cross checking on the internet shows a merchant services processor. I do not use this company at all and do not owe them anything. 

I have done my research and have found this " lawyer '' is a fraud and the address is to a XXXX XXXX, it is not even an office! 
Please XXXX the following, you will find it has other people have same experience since XXXX! 

The Leviton Law Firm LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Telephone ( XXXX ) XXXX Fax ( XXXX ) XXXX Toll- Free ( XXXX ) XXXX XXXX XXXX XXXX Supervising Attorney This is a new fraud attempting to scam a retail business.
Product: Credit reporting or other personal consumer reports

I am submitting to request your assistance in removing this charge off account from my credit file. This account has been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off account remains on my credit reports. I have attached a copy of my personal documents to this complaint for your reference. XXXX XXXX Date opened : XX/XX/2020 XXXX Balance : {$4500.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off account from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Credit acceptance for an auto loan that Im behind on payments. Credit acceptance is reporting this account twice to XXXX XXXX it appears I owe twice as much as I actually do. I have disputed this matter with XXXX several times and the results have always come back as accurate. I have contacted Credit acceptance to dispute this matter but there agent was more concerned about me making a payment. The XXXX agent I spoke with confirmed that this account is reporting the exact same information on both accounts
Product: Checking or savings account

I am the owner of a personal checking account that I funded with some money to keep my Heloc loan, yearly fee free. I was told that I could do that and I would be fine. I am also joint owner of my XXXX  son 's checking account, that he uses to deposit his payroll check from my company. He is an employee of my company, he only uses the account to direct deposit his check and has probably zelled me a hand full of times. On Friday XX/XX/XXXX, his pay roll check dis not go through, due to US Bank closing his account and putting a freeze on it. I called to find out the reason, I was told that they didn't have to give me one. Bankers at the branch could not help, due to my account being turned over to a special department. They said someone sits in the internal office and makes these decisions based on what they find. Not sure what exactly they can find ... .direct deposits are from XXXX and nothing more. I was also told that the Bankers could call the XXXX department and they would get them the approval needed to lift the hold, when I relayed that info back to the tellers they said they had tried, and the request was denied. Not one piece of information given to me, matched the other employees explanation. I was also told that sometimes, US Bank does not give funds back, which that would be considered stealing or fraud, due to the fact that that is our money!!!! Based on other customers, this seems to be common practice for US Bank. I think it's time for a class action law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXXXXXX XXXX closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXXXXXX XXXX updated by Consumer reporting agencies ( XXXX, Experian, XXXX ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXX XXXX stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX is destroying my PERFECT payment history in my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, My account with the service " Mezu '' was locked for some kind of fraud suspicion. Since that time I have had no access to my account, which precludes me from sending or receiving money, and more importantly reviewing the account statements and also getting any owed refunds from cancelled transaction and stored balances. 

At the time of my account being locked, I had multiple pending transactions totaling under {$500.00}, and a small amount of money physically in my Mezu account, less than {$1.00}. 

I have attempted to correspond with the company via email and telephone to get an explanation as to what exactly happened, and more importantly an account statement so I know whether or not they owe me a refund. Via telephone I have left messages and had no response. Via email, I have re
ceived mostly form letters, and have been provided with no real answers. 

While the concept of a payment app like this, that does not sell your personal data and is focused on privacy is great, unfortunately the customer service is horrible and in the end, makes the experience very unpalatable. I will be left, at least for the time being, to use apps like XXXX, XXXX XXXX, and possibly XXXX. 

Fortunately it seems that Mezu is associated with a FDIC insured bank, so I hope that this CFPB complaint will be able to help me. As per the mezu.com website, " The Mezu program is sponsored by XXXX XXXX XXXX XXXX, member FDIC, to which Mezu ( NA ), Inc. ( NMLS ID No. XXXX ) is a service provider. ''
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX   / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Checking or savings account

On Monday, XX/XX/2021, at about XXXX XXXX. I could not find a nearby branch that was open so I was forced to deposit through an ATM machine. Which I am extremely uncomfortable doing. 
( now I know why ) I went to the only branch in XXXX, NC. 
Address : XXXX XXXX XXXX, XXXX, NC XXXX. 
I inserted checks in groups of 10 as directed by the machine. on the 3rd round of depositing checks, the machine froze. It would not do anything. I could not get a receipt or my card back. I tried calling the number on the ATM machine but was put on hold for 30 minutes. I had to begin teaching so I was forced to hang up on the call. On Tuesday I call the XXXX branch in which we have done business for over thirty years and was told the deposit would probably deposit by XXXX that night but if not to come in and they would help me. ( No mention I would need an appointment to get help with over {$5000.00} of missing money ). On Wednesday, XX/XX/XXXX, ten days after making the deposit still no credit - so I went to the XXXX branch and was told they did not have time to help me! They were booked solid and I could leave the information concerning the missing deposit and they would get back to me the next day. ( why did they not book an appointment with me when they told me to. come into the branch? ) While in the branch, I left detail of every missing check and the amounts. The branch manager ( XXXX ) assured me she would resolve this issue. The next day she left me a message the next day to call her back, I have called her back every day for over two weeks but no one answers the phone. I have called XXXX XXXX direct line as well as the branch line NO ONE ever answers. 

With no help at the branch in which I have done business for over 30 years, I went online and made an appointment with the small business banker. We talked on Monday, XX/XX/2021, he assured me he would help me and would call me back on Monday. He did not call. I called him Tuesday, Wednesday, and Thursday leaving messages each time - no return phone call. I scheduled another appointment with the small business banking manager for Friday, XX/XX/2021 He didn't even bother to call! I called and left a message still no return call. 
I finally found another phone number to call and a lovely girl XXXX helped me file a claim - but it took more of my time. I had to tell her every check and every amount which was the information had had to go back and gather that I gave to the branch manager. This lost deposit has cost me over 10 hours in phone calls, emails, and going into the branch. 
It is XX/XX/2021, and I still do not have the money in my account. Twenty four days and the deposit is still lost!
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, XXXX, and Experian. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on Experian, and I have XXXX inquiries on XXXX and XXXX as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, XXXX, experian ) XXXX CREDIT CARDS*********** **Transunion, XXXX, XXXX XXXX XXXX XXXX  Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX FIRST XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **Transunion, XXXX, Experian** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Credit card or prepaid card

I purchased a Vanilla Visa card at XXXX for {$130.00} to make an online purchase. XXXX has customers wait 1 hour before using it. After the wait I proceed to try and make a purchase and my card was denied. I called the number on the back of the card and had a balance of {$0.00}. I called and was told I had a pending charge. I told them I hadnt done nothing except call their number and try and make a purchase. They refused to stop the tranaction and said I would need to wait 90days. After doing the dispute I saw where there are 100 's of complaints regarding other people having the same thing happen to them.
Product: Mortgage

Also attached, please find mortgage invoices. Please note the alleged difference in interest rates, yet the monthly obligation remains unchanged as of this date. However, according to bank representatives, the rate was supposed to have been lowered several months ago after I completed the entire mortgage process and was awaiting closing, I was told that I did not qualify for a XXXX loan because my loan was a home equity, and not home mortgage. ( Please see attached email ) As you will note, nothing on my mortgage documents state that it is a home equity ( as I 've been told many times by mortgage representatives and stated on invoices ), but it clearly states home mortgage. Written notification of denial was not received until approximately 3 months after loan application was completed and complaint was filed with CFPD ( credit score in XXXX )
Product: Debt collection

I 'm not sure what debt he was calling about, but someone named XXXX calling from XXXX called the secretary 's office at my work, tried to get my personal phone number, and left a message saying he was a creditor and that he needed me to call him back immediately. He also left an account number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX XXXXXXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XX/XX/XXXX and XX/XX/XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late payments has persisted despite my two prior disputes. 
Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices. 
TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX XXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both XXXX and Experian incorrectly reported 30-day late payments in XXXX and XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. 

XXXX also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

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

Equifax XX/XX/XXXX, XXXX XXXX SOL : :XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Promotional Inquiry Soft XX/XX/XXXX XXXX XXXX Account Review Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-21 Promotional Inquiry Soft These inquires were NOT MADE by MY Permission. ( what's promotional inquiry? / SOFT inquiry ) Who gave them permission?? Why did Equifax not alert me??? WHO allowed them to TOUCH MY CREDIT REPORT????

XXXX XXXX DID NOT take my authorization to secure my credit report for an application for Credit increase.

THEY HAVE DAMAGED MY CREDIT SCORE for the WORSE.

I GOT DENIED for a mortgage due to open / too many credit inquiries.
Product: Mortgage

Wells Fargo reported wrong information on my credit report and it now effects my score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.