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

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My XXXX XXXX Number 's is XXXX Re : Consumer Financial Protection Bureau Complaint Case # XXXX ( responce ) To Whom it may concern.. 

Law XXXX XXXX XXXX XXXX ( XXXX ) - XXXX in case of disputed accuracy. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete 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. 

XXXX XXXX XXXX  again claims that the disputed information on these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to XXXX XXXX XXXX, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that XXXX XXXX XXXX ( YES ) has errors in their reports and the information is not accurate or precise XXXX XXXX XXXX has violated XXXX U.S.C. Sec. XXXX ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau. 

XXXX XXXX XXXX not report the day of closing of the account, that information is incomplete and not verified. present proof of that XXXX XXXX XXXX reports account opening dates incorrectly, that information is incomplete and not verified, present proof of that. 

Under the law XXXX XXXX Code XXXX ( XXXX ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX XXXX XXXX multiple times about the accuracy of these accounts and XXXX XXXX XXXX has not been able to correct the errors,,, the law XXXX XXXX Code XXXX ( XXXX ) stipulates that after reinvestigating an account disputed by the consumer ( XXXX ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that XXXX  XXXX XXXX  delete the account at XXXX XXXX and XXXX, and enforce the law XXXX XXXX Code XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in reguards to XXXX XXXX still being on my credit report. Experian stated there is no such info on my credit report. Now I have XXXX and it monitors my credit report and it still shows it. I have enclosed copies to show you that it still is under derogatory items which has cause my credit to drop 36 points. I enclosed what my credit report is showing and the court paperwork stating it has been dismissed. Once again I am asking for it to be completely removed
Product: Credit reporting or other personal consumer reports

This is the mistake,, XXXX  is reporting a wrong account in my credit report, they can not bring me enough information about this account.. i dont recognize this account as mine ....
Product: Checking or savings account

I have tried to close my checking account with BBVA several times. This is the third letter I have received from BBVA saying that I have a balance duewhich is impossible because my account was frozen, closed now, and the balance is XXXX. I brought in a similar letter to the one that I have received today to a BBVA banker, and they even reassured me the letter was wrong. This letter im receiving now is threatening to send my supposed balance of {$140.00} to debt collections, which could interfere with my credit as I am in the middle of closing on a house. I am extremely livid, and I assure you numerous negative reviews will be given about the banks service.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint against a predatory online lender that is charging me an APR of 600 %, which is illegal under Tennessee state law. The lender claims to operate under tribal law and sovereign immunity to avoid state and federal lending regulations, but I believe they are violating consumer protection laws.

Loan Details : Loan Amount : {$1200.00} APR : 600 % Lenders Name : [ Insert Lenders Name ] Lenders Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Loan Agreement Language : The agreement states that only tribal and federal law apply, explicitly stating that Tennessee law does not apply. 
1. Illegal Interest Rate : The lender is charging an APR of 600 %, which far exceeds Tennessees legal limits on short-term loans.

2. Evading State Laws : They claim that only tribal law applies, even though I am not a tribal member and reside in Tennessee, where state lending laws should apply. 
XXXX. XXXX XXXX XXXX : The lender states that they can not be sued in any court, effectively blocking any legal recourse. 
4. Forced Arbitration Clause : The agreement restricts my ability to challenge the loan in court, leaving me without fair legal protections. 
I request that the CFPB investigate this lender for violating Tennessee lending laws and using sovereign immunity to avoid legal consequences.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX unauthorised Hard enquiries on my account which are XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Vehicle loan or lease

On XX/XX/XXXX my daughter, who was legally insured and authorized to drive the vehicle, had an accident. XXXX XXXX did not respond to my calls until XX/XX/XXXX when they instructed me to take the car to a shop and said that they would send an adjuster asap. The insurer also provided me a rented vehicle as covered by my policy. Later that day, the car was taken to XXXX XXXX XXXX where the car remained until XX/XX/XXXX when Chase repossesed it. 
In XXXX, the adjuster evaluated the car and said that it would be fixed.allegedly paid {$5600.00} to XXXX XXXX and then sent a second check that bounced. Then, I personally visited the XXXX XXXX  office only to find out they had closed due to bankrupcy. 
From XXXX through XXXX, I was in close communication with XXXX trying to solve this matter. When XXXX closed, I was assigned to XXXX  XXXX XXXX XXXX XXXX and they assigned a new adjuster to my case : Mr. XXXX XXXX ( XXXX ) XXXX Ext XXXX whom did nothing nor he responded my calls, messages etc. 
Nobody paid the sop to fix the car nor for the time the car stayed there. Chase repossesed it on XX/XX/XXXX without notifying me, Chase ancelled my GAP at the dealer insurance without my authorization and I ended with a {$14000.00} car debt, {$170.00} XXXX bill and no car. On XX/XX/XXXX, chase sent a letter saying they will sell the car as I " had broken promises on our agreement '' despite an extension ( see attached letter dated XX/XX/XXXX ) not requiring payments from XX/XX/XXXX trough XX/XX/XXXX. 
Nor Chase nor the Insurance had assumed any responsibility nor provide any suitable solution for my loss.
Product: Credit reporting or other personal consumer reports

Within the next 15 days, I am obligated to update my credit reports. I am forwarding this complaint to you for the purpose of inquiring about the status of my previously submitted complaint dated XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to expeditiously remove any items in the consumer 's file that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt. They are also required to eliminate any items listed on an identity theft report with the reference number # XXXX. Kindly review the items detailed in this complaint and the preceding one : -- -- -- -- -- -- -XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : XXXX From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections XXXX Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit via XXXX  XXXX and it says that I have a hard inquiry from Amazon, and now my credit went down four points. I contacted the bank associated with the crediting of the financials through Amazon. " Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX '' This credit inquiry was taken out on XX/XX/2019 and I never applied for credit.
Product: Credit reporting

Trans union broke the law when their computer system had a glitch and all inquiries were deleted as a result of their faulty system. However according to the Fair Credit Reporting Act you can not reinsert something that was deleted due to your faulty equipment or mishandling and that is exactly what trans union did reinserted those inquiries which is illegal. I am asking that those inquiries be removed permanently from from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and found several errors I contact credit reporting company to have item corrected however there was no response after 45 days the items in dispute are below and on attachment Confirmation # XXXX 1 ) Please remove all non account holding inquiries over 30 days 2 ) please verify and update the balance, payment history and current status on all accounts below as the information on file is incorrect ...

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 both accounts need balance and history update Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX XXXXXXXX opened XX/XX/year> Amount : XXXX Ive reached out to the company and havent received any type of feedback
Product: Checking or savings account

On XX/XX/2020 I attempted a withdrawal from a Columbia bank ATM in XXXX XXXX Washington. It shows up as a transaction from Columbia bankXXXX XXXX XXXX. The attempted withdrawal amount was {$400.00}. The total amount that was taken from my account was {$400.00} which includes the ATM fee. I did not receive any funds from the ATM that day. 

The physical address for the bank is : Columbia Bank XXXX XXXX XXXX XXXX XXXX, WA XXXX I immediately disputed the charge with my bank ( XXXX ). The money was returned to me but later that decision was overturned and the money was taken back out of my account again. I escalated the dispute and it was denied again. I called XXXX dispute department 4 times trying to resolve the issue to no avail. The representative that I kept getting wasnt actually in the dispute department and told me that department can not be reached by phone or email. At that point I filed a complaint on this website. 

A person from the actual dispute department finally called me and basically said Colombia bank sent them information that proves the money was taken from the ATM. I called Columbia bank asking for the video surveillance of the ATM but was denied. XXXX said there was nothing else they could do for me and Columbia bank was blaming XXXX. 

This error was not my fault and the money was not dispensed to me which the video surveillance will prove. At this point I dont  know what else to do about the theft from my account. Please help.
Product: Credit card or prepaid card

A line of credit was opened with Bank of America by some that used my social security number. I do not know where they came across this information. They went on to charge nearly {$20000.00} dollars over 4 purchases. I have never had a Bank of America Card, nor did I apply for one. I did contact Bank of American and they opened up a fraud case to dispute the opening of the card and the credit. Bank of America states that the card was opened on XX/XX/2022 and subsequent purchases were made shortly after that. I only became aware of the line of credit when I checked my credit score through XXXX and saw that my credit score had gone down, and that the Credit card was opened.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$9300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX  for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX 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 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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KINUM ( 09 XXXX XXXX XXXX ) account is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

I requested provisional credit after filing a billing dispute about 2.5-3 weeks ago. The bank ( Found ) has been conducting their investigation and they repeatedly ask for more information even though Regulation E requires they provide me a provisional credit if the investigation will take longer than 10 days. This investigation has taken 15 days minimum so far. All I asked for was a provisional credit for {$120.00} after the company receiving the funds told me to talk to the bank to get them back. This is the worst banking experience Ive ever had.
Product: Credit card or prepaid card

I have both a BoA cash and XXXX XXXXredit card. In the summer going into the fall of 2018, I was reported 30 days late on a XXXX XXXX XXXX XXXX During that time I had two immediate family members pass away within weeks of each other. Because this was unexpected and they were relatively young, there wasnt an insurance policy for burial. The burial expenses fell directly on me and my sister. Shortly after the second funeral, I became sick, spent three weeks in the hospital and was unable to work. All of this during a short time period caused me to fall pretty far. Between both of credit cards with BoA, I was only reported 30 days late once in the 5 years Ive had the account. There were so many things out of my control during that time that caused me to go past due. I attached what is showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX inquiry and lol other fraud items I dont reCognize. I am a victim of a vehicle and information robbery
Product: Credit card or prepaid card

On XX/XX/2023, I got a notification from my Apple card account that a purchase transaction took place on XXXX at around XXXX XXXX. I immediately contacted Apple they filed an investigation in which my physical card was canceled ; today, it has been ten days since the incident I have not received or been notified that a new card has been shipped. Also, bear in mind this entire conversation is by text message, not phone with a live person. I contacted customer support over the phone ; They explained that they do not automatically order new replacement cards. The support team told me you had not paid my bill for the month ; my response was no ; I reported for fraud and have not gotten a replacement card. I am not 30 days delinquent on this. I am concerned about making a payment with a new card being ordered and shipping for replacement prior to payment.