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

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXXXXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit card

Within the last 3 months Citibank has had to issue me a new card for transaction I have not made. Each time I call the fraud department they assure me that with the new card these transactions should not take place. I receive the new card and they still have my original card linked so it causes new transactions. The customer representatives are very vague, not helpful. You can hear personal background noise when speaking to them. When a supervisor is to return the call, they don't so I must call back the department to clarify information. Seems like their own employees are using the consumer information to do fraud.
Product: Credit reporting or other personal consumer reports

I'm trying to purchase a home and I realized that I have damages on my credit report from all 3 credit bureaus ; XXXX, Equifax, and XXXX. I notice that some incorrect names and addresses are connected to inquiries, credit cards, and charge-off accounts that are currently reporting on my credit report and significantly impacting my score. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRE INFORMATION OM MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND JUST GOT A CONPUTER GENERATED RESPONCE I NEED THIS INVESTIGATED CORRECTLY AND REMOVED FROM MY FILE ASAP XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX ( AZ ) XXXX XXXX ( AZ ), XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated by 15 U.S. Code 1666b.

Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. 

Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ).

Furthermore, I assert that XXXXXXXX XXXX  reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information
Product: Checking or savings account

On XX/XX/year> I noticed that there was pending transaction of {$410.00} that was going to be taken from my checking account with the use of my debit card. I have NEVER stepped foot in a XXXX XXXX XXXX store nor do I have a reason to. I am XXXX and my husband has had a XXXX and has XXXX. We stay home, go no where. Everybody, friends and family can attest to that. I even have XXXX deliver my groceries. Anyway I called XXXX XXXX XXXX XXXX at the ph # that Wells Fargo put on the account and talked to a XXXX but she said she couldnt find anything either under my ph # nor my email. So I filed a dispute on XX/XX/year>. I kept checking everyday on the dispute but nothing showed on my file. I have NEVER had a dispute go this long and even then they would give a provisional credit, not on this one though. I got tired of waiting today so I called their claims department. XXXX told me they made a decision NOT to give the money back! I dont even know what a XXXX XXXX XXXX store sells other than what their name portrays. I am ready to clise my account and go with a credit union now. I couldnt buy my husbands meds last month and having to somehow make up {$410.00} I dont think he will get them this month. We still pay almost $ XXXXmo between mortgage, home insurance and sky high property taxes in Montana because of a greedy XXXX Governor who thinks people shouldnt be allowed to retire. He is for abolishing retirement. He would say that he is a million/billionaire who wasnt born here but more from California are moving here to keep pushing our taxes up and up.. sorry, got on a rant, anyway xant pay for my husbands meds the last couple months. I need my {$410.00} they stole. I have a feeling soneone in that division is stealong money that way and getting away with it.
Product: Credit reporting or other personal consumer reports

Basis for Dispute 1. Fraudulent Contract : I signed one valid contract with XXXX XXXX on XX/XX/2024. However, an additional contract dated XX/XX/2024 was fraudulently created without my knowledge or consent. My signature on this document is forged, and I was not aware of its existence until XXXX XXXX filed a lawsuit against me. 
2. Removed by XXXX XXXX from XXXX : XXXX XXXX has already removed this account from my XXXX credit report, suggesting they no longer hold me responsible for the debt. This inconsistency raises questions about the legitimacy of this account on my XXXX report. 
3. Discrepancy in Down Payment : The original agreement I signed reflected a different down payment than what was later altered by the dealership, XXXX XXXX XXXX XXXX, in an attempt to inflate the financing terms fraudulently. 
4. Unfair Practices and Bad Faith : I repeatedly attempted to resolve the matter with XXXX XXXX, including applying for their hardship program, but they failed to provide assistance. 

- In part Im asking that this account with the XXXX  be removed from my credit report. I have no way to submit this information through their dispute page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an Initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. 
Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following names as my TRUE name can be verified on my supporting Identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Omit the following inaccurate phone numbers : ( XXXX ) XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removing the aforementioned information in a timely fashion. 
Without Prejudice, All Natural Inalienable Rights Reserved Sincerely, XXXX, XXXX
Product: Mortgage

Sent notice of intent and requested appraisal for parent 's home ( reverse mortgage ) to Novad XX/XX/XXXX. Novad appraised property on XX/XX/XXXX. Novad told me after the appraisal was complete they would send me the appraisal, so that I could submit an offer for 95 % of the appraised value. I contacted NOVAD via phone and email, unsuccessfully, numerous times to get the appraisal so that I could move forth. I got no response from NOVAD. I assumed they had shut down due to the mandated COVID 19 government shut down. I continued calling and finally talked with XXXX XXXX - NOVADXXXX in XX/XX/XXXX and he finally sent the appraisal XX/XX/XXXX, He stated that our case fell through the cracks and HUD will not honor XXXX XXXX appraisal. I was denied the opportunity to act on the initial appraisal due to no fault of my own. Had to start over and get a current appraisal which is {$60000.00} more than the original. I have been disenfranchised due to NOVADS 's & HUD 's negligence.
Product: Debt collection

I have not had an account with XXXX XXXX for a few years, but my husband does still have an account. I suddenly received a notice from a debt collection agency, Jefferson Capital Systems, saying that XXXX turned over a debt of {$3900.00}. 
We have never had debt with XXXX or any other company that was unpaid. We still have accounts with XXXX, in good standing. 
I believe this is fraud. XXXX has no record of any debt. I would appreciate assistance in having this company cease and desist, I believe it to be unscrupulous. And harassment.
Product: Credit card or prepaid card

On XX/XX/19 my purse was stolen out of my car at a dog park, the thieves went straight to XXXX XXXX  and charged {$2000.00} worth of gift cards ( {$500.00} Bank of America {$1000.00} XXXX XXXX  and {$500.00} XXXX XXXX  ). A police report was filed within the hour but we could not catch them at the store. All credit card companies were aware these were fraudulent charges within that first hour or so. All have been great with the exception of Bank of America. They initially reversed the charge on XX/XX/XXXX. THEN on XX/XX/19 they charged it backto my account and denied the claim the reason is that I shop at that store ( well yes it's 5 minutes from my house! ). and that made it a valid charge. Are you kidding me? Since then i have reopened the claim on XX/XX/19 ( closed during holiday ). They have all the police information etc. and still have not accepted the claim. I need help with this issue i can not sit on the phone all day trying to check on this claim.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent highlight of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable!! It raises serious concerns about consumer safety.!!
Product: Debt collection

Telephone number XXXX XXXX have been calling numerous times a day for about 3 weeks. This is not my debt
Product: Credit card or prepaid card

Joint credit card with Capital One Credit Card. Payments made by ACH ; XXXX XXXX rejected the ACH payment due to a bank error. ACH payments reversed off credit card, while auto charges applied to credit card continued - forcing the credit card to be over it's credit limit. Credit Card company reported the high credit amount as - " Highest Balance {$18000.00} '' while credit limit is only $ XXXX therefore credit report reflects as if we went over our credit limit. Bank admitted to the error and issued an update to Capital One to correct " Highest Balance '' error. Dispute with Capital One Credit Card results in - correctly reporting the status of the account with the Highest Balance at the {$18000.00} which is affecting credit score and causing harm due to trying to refinance. XXXX XXXX  admitted fault, and issued a letter of correction to Capital One and I issued copy of the same letter with dispute ( as this occurred over 3 months ago ) Capital One is not honoring letter from XXXX or our dispute.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

getting multiple calls. I have already paid the due amount to the concerned party, told them the same and " asked them to stop calling ". The lady on phone said we will continue to call, when i said i will block your number, she said that we will dial you from other numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that XXXX. XXXX XXXX XXXX- Accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX. 
XXXX. XXXX And XXXX - Accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX. 
XXXX. XXXX - Accounts # # # # # # XXXX, # # # # # # XXXX. 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA. 
In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least. 
A Companies Policies and practices DO NOT override Federal Laws. 
I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.
Product: Credit reporting

My report shows XXXX collection account. This account does not belong to me. I have submitted disputes twice, and was advised both times " ... disputed account or inquiry is currently not reporting on your Equifax credit file ... ''. I am currently staring at the report provided by Equifax which shows the account in dispute that they repeatedly claim is n't showing. 
Equifax is currently in denial of reporting erroneous information on my report as I read the disputed information from the report provided by them. Mistakes happen, but too many folks are n't doing their job. I find this situation, at best, lazy and at worst disingenuous.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a duplication of information on my credit report. XXXX XXXX XXXX  is reporting two accounts : XXXX and XXXX. I have only had 1 account with XXXX XXXX XXXX  that was paid timely, paid off, and then closed. The first account number appears in the 'adverse ' portion of my TransUnion credit file while the second account shows in the 'satisfactory " portion of my TransUnion credit file. They are both the same account, with different account numbers, as my credit card was lost and generated a new card number with the replacement card. I have reached out to both TransUnion and XXXX XXXX XXXX  and neither entity has solved the issue.