23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The transaction that I disputed at XXXX XXXX for {$2800.00} made on XX/XX/XXXX was a fraudulent charge, not made by me. I was a victim of credit card skimming1 at XXXX XXXX XXXX in XXXX XXXX, New York. I have cooperated with police who have heard of many cases of skimming at the same location I was at. Credit card skimming is done while the card holder is still in possession of their card, so having my card of me while the theft happened can not be a reason to deny my claim. I was also made aware by a Bank of America representative that another reason my claim was denied was because I didnt call quick enough to report the fraud. To respond to this reasoning, the fraudulent charge was made on Saturday, XX/XX/XXXX and from speaking with a representative, I was made aware that charges cant be disputed until they are posted. Being that the following Monday, XX/XX/XXXX, was a federal holiday ( XXXX XXXX ), I was told the charge would post either Tuesday, the XXXX, or Wednesday, the XXXX. 
I initiated the dispute on Thursday, XX/XX/XXXX, a mere one day after I was informed the charge could post. Therefore, a reasoning of me waiting too long to call about the charge can not be valid. 

I have filed a police report and my bank denied me twice for something I did not do and because of it, I am extremely financial hardship that has resulted in me being evicted from my apartment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

Paid off Mortgage Fay Servicing Mortgage XXXX XX/XX/2021 and they have not returned my escrow. Tried calling with no results.
Product: Credit card or prepaid card

This account was closed with a XXXX balance. The credit card company just keeps charging late fee 's and missed payment fee 's to create this balance! I went into the branch and talked to the same person who opened the account, he said it's nothing that can be done at his level.
Product: Checking or savings account

i was written a check by a customer who has pnc bank, the check was for XXXX i tried opening and account earlier that day they said i have to do it online or make an appointment for next week. i had to pay bills so i had to cash the check and they charged me {$27.00} to cash a {$1300.00} dollar check. This does not seem right to me
Product: Debt collection

I had no knowledge of this debt until I tried to get a copy of my transcript. It was not on my credit report, and it was months before they could even locate my information to tell me a balance. I called the finance office at XXXX and all they could tell me was I had a balance but had no knowledge of an amount in their system. They told me to contact the listed collection agency, and when I called the collection agency repeatedly they also had no knowledge of this debt nor my information in their system. No one could tell me anything. Weeks later the collection agency called and just gave me a balance with no explanation and a week after that it appeared on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : ( XXXX XXXX ), Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS : XXXX XXXX XXXX Account number XXXX, REMOVE INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GREENSKY INSTALLMENT, XXXX XXXX, XXXX XXXX XXXX PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/year> from Experian, I saw I had some hard inquiries that did not have permissible purpose. According to the FCRA, credit reporting agencies and entities requesting /credit reports must have a permissible purpose to access or report on your credit file. Specifically, 15 USC 1681 ( b ) outlines the permissible purposes for obtaining a consumer report.

Key Points of the FCRA Regarding Inquiries : 1. Permissible Purpose : A hard inquiry can only be made if there is a legitimate reason, such as : Credit transactions initiated by you if the credit account is not open or approved, the inquiry should not remain if it does not result in a valid transaction or permissible purpose ( e.g., applying for a loan or credit card ).

Employment purposes ( with your written consent ). Court orders or subpoenas. Other lawful business needs initiated by you.

2. Unauthorized Inquiries : If a hard inquiry appears on your credit report without your consent or without a permissible purpose, it may be a violation of the FCRA. You have the right to dispute such inquiries and request their removal.

3. Reporting to the CFPB : When reporting to the Consumer Financial Protection Bureau ( CFPB ), include : A detailed explanation of the unauthorized inquiries.

Copies of your credit report showing the disputed inquiries. 
Any correspondence you have had with the entities responsible for the inquiries. 
I have attached the inquires and the dates below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these inquires due to the violation of 15 USC 1681b
Product: Student loan

I am a co-signer on my daughters student loan. I realized after she made payments for 10 years that she is barely paying any principal. I feel that this company has taken advantage of my daughter by allowing her to pay mostly interest. She has paid approximately {$22000.00} over the last 10 years on a {$25000.00} loan and still owes {$17000.00}. 
I called Navient on XX/XX/2018 and offered to pay them {$12000.00} to pay off my daughters loan. They refused to negotiate any payoff amount other than the total outstanding balance. I believe that this company is engaged in predatory lending practices that take advantage of young adults who dont know they are being ripped off. 
I dont want to advise my daughter to stop making the payments to make the company more agreeable to negotiations but refuse to let her continue to pay off this loan under these terms. 
We want to pay our bill but believe that they have made enough profit from my daughters good payment history and should be willing to negotiate a payoff.
Product: Credit card

Throughout, I've ensured timely payments on this account, avoiding any overdue amounts. I'm puzzled by reports of late payment remarks on my accounts and would like clarity. As per XXXX5 USC 1666b - Billing Error, corrections should be made.
Product: Credit card

I used my TJ Maxx store card once in XX/XX/year>. The charge was {$190.00}. 
I closed my account but forgot to pay the balance, which is now {$460.00} - {$260.00} more than my initial charge in XXXX, just 6 months ago. 
Synchrony Bank, the lender, has charged me interest plus an extra {$210.00} in late fees in 6 months - more than my initial {$190.00} charge. 
I would like to pay the charges with interest but not the late fees. The lender has badly hurt my credit score and will not reconsider the late fees. 
How should I proceed?
Product: Debt collection

This is a XXXX Phone account I had YEARS ago. Yet they are reporting as if I just defaulted the account XX/XX/XXXX which is against the law. The account was set to drop off 7 years from when they started reporting it to my credit history which was XXXX. I dont know what its still doing showing up on my credit history but it needs to be removed instantly.
Product: Debt collection

XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database XXXX Please delete this collection from my credit report.
Product: Credit reporting or other personal consumer reports

I have been trying to establish a credit freeze with Equifax. The web site will not allow me to log in and forces me to call Equafax which leads to a maze of call options that was non functional. As in it asked me questions then would not accept the answers continuing in a loop. Eventually demanding more information. This call concluded with unnessary demands for even more information just for a simpal credit freeze. 
This is bold face non compliance with the law. By setting up a maze of unnessary annoying and time consuming requirments they prevent XXXX  of people from protecting themselves and it needs to be addressed. XX/XX/year>
Product: Debt collection

Portfolio Recovery Associates is reporting 2 account on my credit reports one has a amount of {$400.00} and another amount of {$1000.00}. I have disputed this with all 3 credit reporting agency XXXX, XXXX and XXXX. Also I have sent Portfolio Recovery Associates debt validation several times with no response. This 2 accounts bt Portfolio Recovery Associates are still showing on my credit reports.
Product: Credit card or prepaid card

Chase advertises 0 % liability for fraudulent transactions made on credit cards yet when I reported fraud charges they are holding me liable for the purchases
Product: Payday loan, title loan, personal loan, or advance loan

Mosaic Home Solar Loan sent contract agreement # XXXX via XXXX in XX/XX/XXXX for the installation of solar panels on my home. I was told by the salesman that the fixed rate of {$250.00} per month would be included in my service agreement. Upon review of the contract, it reads 16 payments of {$340.00} beginning XX/XX/XXXX. Payment will exculate to XXXX payments at {$470.00} beginning XX/XX/XXXX and with XXXX final payment of {$470.00} ending XX/XX/XXXX with the XXXX of the contract is 9.50 %. The total amount of payments and finance charges totaled {$140000.00}. 

The salesman informed me that the total value was approximately {$51000.00} minus the {$15000.00} income tax credit with the remaining of balance approximately {$36000.00}. The panels were mounted on the house XXXX XXXX, XXXX ; however, the XXXX box was not completed and as of today XX/XX/XXXX, it is not producing electric/power. 

I contacted the salesman on XX/XX/XXXX @ XXXX am via text on his phone and he replied at XXXX XXXX  expressing that the XXXX XXXX would be resolved and the company would contact me to the same to day to schedule a time to resolve the MPU issue. I have not heard from the salesman nor the company as of XX/XX/XXXX. My first payment is not until XX/XX/XXXX ; however, due to the lack of communication and the misrepresentation of the terms of the contract I want all equipment removed from my residence, roof repaired and contract voided.
Product: Credit reporting or other personal consumer reports

This is concerning XXXX XXXX credit card. I requested through my XXXX for them to do a Goodwill deletion of this and they refuse to the account is closed charged off and shows a balance well over what I was even allowed to have. They refuse to remove it so I can try to build my credit up a little bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordiance with the Fair Credit Reporting act. The list of accounts below has violated my federally proected rights to privacy and confidentially under 16 USC 1681. 

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

15 U.S.C section 602 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 advertised item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

Accounts XXXX XXXXXXXX : Inquiry Date XX/XX/2022 XXXX Inquiry Date : Inquiry Date XX/XX/2022 XXXX XXXX : Inquiry Date XX/XX/2022 XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My car was repossessed by LoanMart on XX/XX/year>. I was never given written notice of intent to repossess as required by Wisconsin law. 

When I called to discuss the concern with LoanMart, I was informed my callwas being recorded. I told the agent that his company never provided written notice, to which he responded " Of course we didn't. We don't let people know ''.

After discussing the situation with a lawyer, he directed me to file a complaint with the CFPB. His belief was that if I personally requested a copy of this recording, the company was likely to delete the recording in order to prevent successful legal recourse on my part. He suggested that by filing a formal complaint with the CFPB, LoanMart would be more likely to provide the recording without obscuration.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Card : # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Global Lending Services XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I recently received a copy of my XXXX, Equifax, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : *XXXX XXXXXXXX Account # XXXXXXXXXXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, XXXX and Transunion Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX, ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, and XXXX XXXX I attempted to make online payments for my account, in the amount of XXXX. I kept getting a system error. At that time I called and scheduled for the payment of {$82.00} to be processed on XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a payment that was then 30 days past due, as care credit did not process the payment that they were authorized to do on the XXXX. I was able to get on and make the payment at that time. On XX/XX/XXXX I called 3 different numbers, and was transferred to 6 different departments regarding this issue. No one in any of these 6 departments seemed to understand how to correct the error, and bounced me around for 2 hours claiming that it was another department that could correct the error. On the final call, the representative stated that they could open a complaint, and they saw where the error had occurred, but they didn't know who could fix it at this time. The numbers that I was given were XXXX, XXXX, XXXX ( not even the correct company ), and XXXX. The representative I spoke with last tried telling me to call yet another number, but I explained that would not be happening and to check my account before disconnecting me again.