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

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : [ XXXX XXXX & XXXX XXXX ] Date Listed : [ XXXX. XXXXXXXX XXXX XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 
Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX SSN, DOB : 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, TransUnion XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  XXXX  account with a credit limit of XXXX opened XX/XX/XXXX, a XXXX  XXXX account with XXXX $ opened on XX/XX/XXXX, A XXXX  account credit limit XXXX $ opened XXXX Inquiries from Banks and XXXX & XXXX, inquiry from XXXX  XXXX inquiry from XXXX XXXX XXXX  XXXX  XXXX XX/XX/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. They have cause great disdain in my personal life. 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 card

Hi! PayPal Credit is engaging in misleading and predatory practices. In paying for an ebay purchase, I inadvertently and somehow signed up for PayPal Credit on a " Promotional Financing '' offer. Rather than using my checking acct. via debit card, which is what I had checked, PayPal used credit on the first " sign up '', and on several subsequent occasions, despite me checking " PayPal '', not " PayPal Credit ''. PayPal checks, then unchecks my choice of payment, and puts the purchase on credit. I have emailed PayPal with my complaint, and received no response. PayPal 's " Promotional Financing Offer '' is no payment/interest free for 6 mos., then they start charging 19.99 % from date of posting, a few days after purchase, if you do n't pay off the entire balance. This reminds me of the medical " XXXX XXXX '' scam, but at lease medical expenses can be paid. No consumer needs a sneaky credit scam to buy stuff on ebay! Please investigate -- this is just wrong. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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
Product: Checking or savings account

On XX/XX/XXXX Bank of America was contacted after my account access was blocked. Bank of America informed that my account and its balance of {$1100.00} would be closed as of this date, and cashier 's check on remaining account balance would be issued on XX/XX/XXXX. Electronic Deposit of {$1100.00} on XX/XX/XXXX was made bringing total balance {$2200.00} and Bank of America denied me its access and reminded me that the account was closed and any balance would be issued on XX/XX/XXXX ( 40 days after I was advised of account closure ). XXXX XXXX XXXX or Reverse of Previous Credits ' amounts on account that were settled from XX/XX/XXXX through XX/XX/XXXX is {$1000.00}. Leaving a remaining balance of my account of {$1200.00} to be expected XX/XX/XXXX ; Bank of America illegally authorized {$2000.00} and paid transactions that occured after the account had been closed and On XX/XX/XXXX Bank of America advised that account balance was a negative $ XXXX As of XX/XX/XXXX, Bank of America still stands behind their claim and are denying my claim to my money and refuse to see beyond the Notes on Account and refuses to assist in obtaining the balance on my account.
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX 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. I presume that no such debt exists. Additionally, I have not received any proof validating this debt. 
as required by law.
Product: Debt collection

Identity was fully stolen, multiple accounts opened under my name without consent or acknowledgement. Requesting to have these debts cleared and removed fully from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

portfolio recovery ass. llc continues to report old debt in violation of the fair reporting act and is effecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report, show an account, it's not my, is Bank Of America, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

my check # XXXX for {$500.00} sent in by mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX was stolen from is mail box and forged for {$14000.00} my chase bank paid this money Although there was not enough money there And the bank left me {$2500.00} in debt As soon as I found out, I contacted the bank on the phone and informed them. I also sent a fax and registered mail and by regular mail a signed statement ( which is a document requested from the bank ) that this was a theft and a forgery. Unfortunately, to this day I have not received my money back into my account I get in a lot of trouble because of this this is all my money i have and i have not able to do any payment and pay my bill It's been more than two weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : A home equity loan was taken out on our home of XXXX XXXX XXXX XXXX XXXX XXXX. This was a Debt / CNSOLATION Loan. We made payments of {$100.00} per month until XX/XX/XXXX. 

XX/XX/XXXX : The house went into Foreclosure with Sheriff sale. We had moved off property on XX/XX/XXXX. 

XX/XX/XXXX : Five years later. On our current credit report Bank of America is still billing us late fees on the home equity loan even though it has been 5 yrs since foreclosure. 

Our credit rating is low due to this late payment billing. Bank of America has not sent any billing statements and did not turn us in to collections for this home equity loan. 

We were told that the home equity loan goes into foreclosure along with the property. 

I have the Uniform Residential Application and a copy of the Truth in Lending Disclosure statement. 

Bank of America in XXXX XXXX Mi does not return our calls, and no staff follows through when we call the Bank. They hire new employees every week and we start the complaint process all over again. No one takes respondsabilty. 

Is there a state law that can help? How long will we get late fee payments on this XXXX home equity loan on this property? It all ready has been 5 years. 

Bank of America cancelled 3 short sales on the property and we lost this house.
Product: Credit card or prepaid card

I got a XXXX XXXX credit card issued through Chase Bank. Every time I made an order on XXXX they would use this card even though I would switch it to my private debit card. I did not realize this was being done. I am trying to pay it but each month they just keep adding more interest. I am retired on Social Security and on a set income. I need some help in getting this resolved.
Product: Debt collection

XXXX FUNDING IS REPORTING A CREDIT CARD ON MY CREDIT THAT I KNOW NOTHING ABOUT. 
ACCOUNT # XXXX XXXX
Product: Credit card or prepaid card

I have had a Master card with XXXX XXXX for years and I attempted to log in to my XXXX account approximately XX/XX/2018. The screen stated that the account was invalid, and I noticed that under the log in block was a customer service number. I called the number that was listed and it was for the customer service department for a credit card company that I have never heard of, XXXX XXXX. The customer service rep informed me that XXXX had taken over the accounts from XXXX. I explained that I was never notified of the conversion to a new company or the terms of the new credit card and NEVER received a credit card. She stated that a new credit card would be sent out soon. On XX/XX/2018 I received a statement from XXXX and I noticed that the minimum payment had gone up considerably. I again called XXXX customer service and explained my dilemma, the representative said I missed the opt out period and said that there is nothing that can be done at this point I understand when a credit card company does a conversion a customer is supposed to be given an opt out option and be informed of the terms, I was not sent any information about this conversion and I was never notified of the increase in the APR, if I was properly notified I would have chosen not to go with this company. To date I still have not received a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
Product: Bank account or service

On XXXX XXXX I went to my local bank and deposited a {$350.00} check into the ATM and it gave me a receipt. The following day my card continued to decline transactions. I phone the bank several times about the missing deposit. I was told that I attempted to make a deposit, but nothing cleared. I was angry because no one from the bank called or emailed to say the was a error in my account and that it was not reconciled by end of day. I started a investigation and was told around XXXX that the teller was watching my account and she saw what looked like a pending {$350.00} transaction, so I went home. This morning XXXX XXXX, the funds were still missing. I need my money now. They said they have to investigate in case there is fraud, meaning me I assume. The fact is, the ATM ate my check at my bank and I am sure I am on camera making this transaction. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2020 I had a positive balance in my account of over {$650.00} and pending items on my account that did not post. I had a check come out that was for {$650.00} now TD bank is charging me an overdraft fee on three items that were pending even though the items did not post. These transactions were small amounts each one under {$100.00} and now I am being hit with {$35.00} for each one. I tried to get the fees waived but was told that they already waived a couple of overdraft fees for me in XXXX. In my experience no other bank treats customers this way, they are out to make customers pay as much over draft fees as possible. Its really predatory. I just want my money retuned I cant afford to pay these fees now that I'm not working.
Product: Credit reporting or other personal consumer reports

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



XXXX XXXX XXXX Acount # XXXX, XXXX XXXX  Acount # XXXX, XXXX XXXX XXXX. Acount # XXXX XXXX XXXX Acount # XXXX, XXXX XXXX Acount # XXXX, XXXX XXXX  Acount # XXXX, XXXX XXXX XXXX Acount # 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

I have asked to have several different names addresses and phone numbers removed from my account I have asked to have accounts more than 7 years old for original date removed but they keep updated the date to lengthen the time the report remains on my report I have asked for wrong info to be taken off report I have reported that I was never notified of certain collections nor did I give permission for third parties to take up said collections on me because nothing was ever verified through me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Please remove these accounts from my report
Product: Credit card or prepaid card

Made an XXXX purchase with the card. The item was counterfeit and I returned it to the seller. Seller did not issue a refund so I disputed the charge with Citi Visa. Their response was that the merchant had no record of my return although I have the USPS receipt for the return but they never asked for proof. The seller wants to issue a refund but XXXX won't allow it and Citi Visa won't reconsider their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my XXXX credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to XXXX on XXXX XXXX. However this account was never on my XXXX credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to XXXX at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with XXXX about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
Product: Debt collection

I originally made an appointment at a place called XXXX XXXX XXXX at the end of XX/XX/XXXX. When I went to arrive to the appointment there was no such place in existence, and when I called they had claimed they have moved. This was my FIRST appointment, and I have NEVER SEEN ANYONE AT THE PRACTICE- so NOBODY TOLD ME THEY HAD MOVED. I told them I'm not paying for an appointment when you guys moved and never told me. They claim I owe them {$100.00}, but NO ONE MISSED APPOINTMENT HAS EVER BEEN {$100.00}. 

IT says I owe XXXX XXXX but I never attended one appointment and cancelled that appointment immediately. The secretary told me in XX/XX/XXXX she would handle it and it would be all set,
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from Discover to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Product: Student loan

Early on in my setting up my auto-pay of my student loan with Navient, I set an additional payment beyond the minimum amount. Navient had only applied that amount for a few payments and then stopped applying that additional amount. 
Additionally, my interest is very high ( 6.7 % ) and they will not lower it or refinance it at a lower rate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following date ( XXXX XX/XX/year> ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand this payment be updated to to paid on time immediately. Thank you