23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$9500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding violations of the FCRA by Bank of the West, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX XXXX I applied on-line for a checking account at Bank of the West, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and XXXX XXXX. 

This was surprising and unexpected, since my credit history is excellent with XXXX negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and XXXX, and found them both to be spotless with XXXX negative items. 

I had several conversations with agents of Bank of the West XXXX hereafter referred to as the Bank XXXX, including their XXXX office. I presented the complete and detailed consumer reports from XXXX and XXXX, pointed out that they contain XXXX negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX XXXX ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX score of XXXX, a very low score that does not match with my consumer reports. Considering that my XXXX score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with XXXX. I did so, and XXXX claimed it is not them but the banks who generate XXXX scores. 

So it appears that Bank of the West had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX do not know how this works but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL ( XXXX ) XXXX ( XXXX ) XXXX my income was effected buy COVID19 Pandemic shut down and under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). it allows for accommodations XXXX XXXX XXXX # XXXX account is reporting late on XXXX I request for some help and was told to file a dispute and ALL late payments would be updated to current of positive status please delete. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. XXXX XXXX XXXX XXXX need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?
Product: Payday loan, title loan, or personal loan

My complaint arises from the lending practices of online lenders. I have noticed numerous complaints regarding a similar company called XXXX XXXX XXXX. These predatory lenders are charging exorbitant A.P.R.s on small loans and not properly disclosing these A.P.R.s. to the consumer until after the fact. In my case, the rate was greater than 100 percentage points over the maximum A.P.R. allowed by Mississippi State Law 75-17-21, which is punishable by 75-67-119. To be specific, I was charged 280.01 % A.P.R for a {$650.00} loan. Our State Law caps that rate at 36 % per annum. The punishment for such a charge is for the lender to forfeit the principal and all interest received. Balance Credit refuses to comply and does not feel they have done anything wrong.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all XXXX bureaus. Was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I was hit by another driver, and my XXXX  XXXX XXXX was deemed totaled. I made a claim and XXXX paid my claim. 

I am still receiving harassing calls, and e-mails stating that I still owe for the vehicle. Hyundai motor finance states that do not see a claim. But yet they accepted a payout Account XXXX XXXX XXXX Current Amount Due : {$1300.00} Payment Due Date : XXXX I also had GAP insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

These following Companies have accessed my information unfairly/ improperly an Has caused damage to my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

The amounts was {$140.00} claim id # ( Dispute ID : XXXX in the amounts of {$37.00} {$30.00} {$73.00} I was told that a error occurred on the XX/XX/2020 and it was final. My account was debited on XXXX/XXXX/2020. This is them commenting fraud I have a email. They are saying the email was a mistake. Which is not true. Chime is trying to hold on to funds. I spoke with agents on Saturday informing me that the error accrued and me account will be funded back. Now chime is refusing to do so. I will like to Sue.I have a email stating that no error occurred. I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX  XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet : XXXX utilizing your services. 
I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in their institution which is regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of hard inquiries on my credit report I have no knowledge about. I havent made no consent for anything to be on my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I use Zelle to send money to people. Before, Zelle did not have a warning or protection feature that double checks that you are sending money to the correct person. And If you just so happened to send money to the incorrect person, there was no way of reporting it to get your funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to Experian, XXXX and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither Experian, XXXX nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Re : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute a rental debt claim from XXXX XXXX, XXXX XXXX XXXX, XXXX, TX on behalf of XXXX XXXX XXXX XXXX This amount of XXXX being charged to me is not only significantly exaggerated but appears to be both excessive and unjustified. 

I was a tenant at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX, for over XXXX years, during which time I paid my rent on or before the due date. However, due to a challenging divorce and the lack of child support for two children, I encountered temporary financial hardships in the last two months of my lease. My lease was scheduled to renew in XX/XX/year>, but due to the divorce and my efforts to sell the marital home, I made the decision not to renew. 

Accompanied by legal counsel on XX/XX/year>, I appeared in XXXX XXXX XXXX to address matters relating to the lease and eviction ( no representative from the leasing office attended this court hearing ), and a vacated the premises in compliance with all requirements, leaving the unit in pristine and even upgraded condition. The official documents from the leasing office presented to the court stated an outstanding balance of a little of {$4200.00}, which I recognize as the amount in question. However, I have now received a debt collection notice from XXXX XXXX claiming a balance of over {$18000.00}, which inaccurately suggests that I broke a lease contract despite the fact that no renewal or lease extension was in effect at the time of my departure. I strongly believe this debt collection practice is unfair and unlawful, as the amount being demanded does not reflect the legitimate charges, but rather an arbitrary escalation with no contractual basis. As a new single parent with XXXX children in college, I am working to regain financial stability, and this egregious mark on my credit report significantly hinders my ability to secure a stable home for my family. 

Furthermore, I understand that XXXXXXXX XXXX XXXX  has a reputation for engaging in similar practices against other tenants, which I believe constitutes a pattern of unethical behavior. In light of these facts, I respectfully request that FTC to investigate thus matter and take appropriate action to prevent further harm to consumers. 

Thank you for your attention to this matter. I hope that by addressing this issue, I can help myself and protect others from similar unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as equifax inaction violates federal law and my rights as a consumer.