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

I am contesting inaccuracies in my credit report, specifically related to personal information and unauthorized credit inquiries. Here 's what happened : Incorrect Personal Information : The credit report contains several inaccuracies, including incorrect names, addresses, and date of birth. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumer reporting agencies correct any inaccurate or incomplete information upon notification of a dispute. 
I am disputing various entries, such as the incorrect name ( XXXX XXXX instead of XXXX XXXX XXXX ), the incorrect date of birth ( listed as XXXX, instead of my actual date of birth, XX/XX/XXXX ), and several incorrect addresses, including a previous address in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These details do not match my current or accurate personal information. Under 15 U.S.C. 1681c, only accurate and verifiable personal data should be reported.

Unauthorized Credit Inquiries : There are unauthorized credit inquiries on my report, specifically from XXXX XXXX on XX/XX/XXXX, which I did not authorize. According to 15 U.S.C. 1681b, credit inquiries can only be made for permissible purposes, and I do not recall authorizing these inquiries. 
As these inquiries lack proper authorization, I am requesting that they be removed from my credit report unless the entities involved can provide documented proof of my consent. This proof would need to include evidence of a signed application or any documentation showing that I authorized the inquiries. 
Request for Compliance and Documentation : I am exercising my rights under the FCRA and the Metro 2 reporting standards, which require that all credit data be accurate, complete, and verifiable. I am formally requesting that the credit reporting agency provide physical documentation of the evidence that supports the presence of the disputed accounts or inquiries.

If such documentation can not be provided within the 30-day period mandated by the FCRA ( 15 U.S.C. 1681i ), I am entitled to have these items removed from my credit report. Furthermore, I am requesting an updated credit report reflecting these corrections. 
Legal Obligations and Non-Compliance : The credit reporting agency is legally obligated to handle my dispute in compliance with the FCRA. If they fail to rectify these inaccuracies, I will consider taking legal action for non-compliance. As stated in 15 U.S. Code 1681i ( a ), the agency has a 30-day window to resolve disputes and provide a written response.

In summary, my credit report contains incorrect personal information and unauthorized inquiries that should not be reported. I have requested that these inaccuracies be corrected and that any unverified or unauthorized entries be removed. If these issues are not addressed promptly, I will pursue legal action to ensure my consumer rights are upheld under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the XXXX XXXX XXXX. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a XXXX loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Credit card

This complaint is for our small business XXXX XXXX XXXX XXXX ) company card .We have been communicating with Bank of America for two years trying to resolve this matter. We are consistently told it will be resolved, but to date it has not. 
We had two incidents of fraud : 1. The first is reflected on our XXXXXXXX XXXX statement in the amount of {$2600.00} 2. The second is reflected on our XXXXXXXX XXXX statement in the amount of {$10000.00} It took almost a year to get Bank of America XXXX XXXX the fraud charges, which they finally did. However, they only partially credited us for the fees and interest charged on these fraudulent transactions. In the time it took B of A to resolve the fraud, interest and fees accumulated, and continue to do so. This has been going on over two years, which means interest has continued to accrue. 

We have contacted B of A four times as follows ( see attached XXXX ) : XXXX spoke with XXXX representatives. The second person indicated they were able to " see '' the issue and calculated we were owed a credit of {$210000.00}. They indicated a credit would be forth coming. It did not. 
XXXX called again and referenced the above-mentioned conversation. Issued a ticket number. We waited another billing cycle. 
XXXX a repeat of the above. 
XXXX spoke with four representatives.

To date no letter, no resolution and the interest is continuing to accrue. Again, see attached for detailed conversation notes, names, etc.

NOTE : The card number has changed twice since the initial fraud due to the second incident of fraud, if relevant. Therefore, I am providing the account number here in case this is helpful : XXXX The credit card number that we are providing on the next page is one of our current card numbers since the cards that are the subject of this claim have been closed long ago and new cards issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2022 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( Which I would like removed Please ) : XXXX. XXXX XXXX XXXX XXXX XXXX Tx, XXXX ID : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Tx, XXXX ID : XXXX XXXX. XXXX XXXX XXXX XXXX Tx, XXXX ID : XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX, Tx XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spelling I see listed : 1. XXXX XXXX ID : XXXX Please remove Inquiries as well as listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses and Inquiries from my credit report, please send me a copy of my updated report. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inquiries on my credit report, which I believe are inaccurate and should be investigated. I have reviewed my credit report and compared it to the information on file with XXXX. I am perplexed as to why XXXX has been able to delete the same inquiries that I am disputing with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Account at Penfed Credit Union.Unauthorized transfers to external accounts that do not exist in my accounts, .5 transfers of {$2500.00}, Total $ XXXX XX/XX/2022 I noticed a transfer of {$2500.00} to " XXXX ''. I immediately called Penfed to inform them this was not done by me, and no such bank is linked to the external accounts that I have provided them with.I provided them with the name of one bank, including routing number, and account number, that I authorize and link to my account.After being informed this was not authorized and does not exist in my list of external accounts, they allowed 4 additional {$2500.00} external transfer 's to XXXX XXXX  Bank. Occurring XXXX XXXX, and 5.Total {$10000.00}. All this after being informed of unauthorized transaction in my checking account. In addition, a loan for {$19000.00} was applied for in my name, it was listed in my saving 's account, and it looks like it was actually approved.Since I have not been asked to pay, nor do I have any paper work on this loan I assume Penfed put a stop to the loan application.Since all this happened, after a month Penfed has only restored {$2500.00} to my account.My account is still short XXXX XXXX.This is entirely their fault, I feel it is totally unfair that after this much time, The missing fund 's have not been restored. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation # XXXX Equifax, I disagree with your investigation results ; they do not abide by the FCRA therefore this investigation is incorrect. Equifax, you cant keep verifying that the item has been reported correctly. Equifax has been updating the same accounts as verified as accurate for several months now. 
*Attached is a copy of the USPS log of letters sent to Equifax about these accounts. 

According to sec. 314 of FCRA Equifax can not verify these accounts without providing the consumer with all the verifying documents. 
Account statements legally do NOT count as verification. 

Equifax has surpassed the 4560-day investigation window for these accounts. 
Equifax has verified the same accounts over and over again for 6 months and they are not 100 % accurate. Is this against the law? Yes. 
These accounts have accumulated interest since the initial dispute process began which is against XXXX. This is against the law. You are committing a crime. 

Has the lender claiming this account belongs to me sent you the signed contract between us? No, there is no contract these accounts do NOT belong to me. Equifax must delete these accounts, stop verifying fraudulent accounts. Did Equifax hire a third party to conduct an outside investigation abiding by the FCRA? No. 

How long are we going to go back and forth about the same accounts. Equifax have failed to follow the FCRA, you update inaccurate accounts, disregard my disputes, and fail to provide any legal document to tie me to these accounts. 

Who is verifying these accounts? Does my name XXXX XXXX XXXX XXXX XXXX along with my signature appear on a contract with these institutions? 
Does my employment information and phone number and address match? 

Equifax enough with your games you have damaged my creditworthiness which has resulted in denied credit. Equifax must delete these accounts ; this is my last attempt before I seek legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I have three loans with lendingclub.com. I had been making regular on-time payments until XX/XX/2022 when due to XXXX I hit a snag. I called Lendingclub.com and was able to cancel my autopay set up with them and set up a deferred interest only payment plan on 1 account. On XX/XX/XXXX, lendingclub.com automatically took out a loan payment. The same day I called them to again revoke my authorization for them to auto debit my account. Since then, they have attempted to debit my account twice ( once successfully ) without my authorization. They are stealing my money and are breaching their own contract and provisions with auto debit authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  collections is reporting violations to my credit report, and when I send them a certified letter, they refused to sign for it. Please see below the violations that are being reported. 

Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX ) Account Number XXXX XXXX Violation Reported : account type listed as a collection. 
Violation Reported : account status listed as derogatory.

Violation Reported : illegally re-aged of accounts.

Violation Reported : date opened reported as of XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : date of the last active is XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : accounts numbers are the same and reporting different balance amounts. 
Violation Reported : original creditor refused to sign a certified letter ( copy enclosed ) These accounts are reporting inaccurate information, which makes these accounts in violation of FCRA requirements. Please see the evidence enclosed as proof of violations. Please see enclosed proof of mail, stating refusal to sign for the mail that was sent.
Product: Vehicle loan or lease

I attempted to get a loan for a car on XX/XX/22. They ran my credit when I went XXXX XXXX in XXXX MD to go purchase the vehicle, I was told that, in addition to my finance charges, I would be required to put a down payment. That is illegal per 12 USC 1605 b which prohibits additional fees outside of finance charges.
Product: Consumer Loan

Santander  consumer is still reporting on my credit report as late payment and reposseion, my car was totaled out and the insurance company aid it off it was never reported
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted American Express through their chat help window to inquire if I was eligible to receive the bonus on their new XXXX XXXX Credit Card. The chat agent assured me that the only reason that I would not receive their bonus is if I had applied for the same card previously, and encouraged me to apply under the pretense that I would be receiving the bonus because he confirmed that I had never applied or held the XXXX Credit Card. 

I received the card and completed their {$5000.00} minimum spend to receive the bonus on XX/XX/XXXX, and made a payment in full on XX/XX/XXXX. 

I then contacted their chat agent on XX/XX/XXXX to inquire about when I would receive my bonus points and at this time I was told that I was not eligible and that their chat agent had given me incorrect information.
Product: Credit card

I had a Synchrony bank load for some air conditioning/heading done on my house. The agreement was XXXX equal payments at no interest. When I first saw that my payment didn't go through I called in and spoke to a foriegn language person and they told me everything was ok. I ended up calling in multiple times, I could't log into my account online to try and fix it. XXXX time they even billed tried to file for {$19000.00}. Finally on XX/XX/XXXX I paid my payment with my debit card, because I didn't want a late fee. Today, XX/XX/XXXX I received a letter stating that my account is closed. I called in only to have them tell me that they can't do anything. I don't even have a way to pay off my balance. I can't call in and talk to anyone and I can't get sign in online.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain unauthorized inquiries listed on my credit report. I am a victim of a data breach, and the inquiries detailed below were made without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was repossessed illegally by westlake portfolio in XXXX of XXXX  my car title was under U.S. auto finance.
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 XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXDate Opened:XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

This debt was paid to the hospital by my insurance years ago. I 've tried several times to get this corrected but my attempts have been ignored. I sent verification in 2012 and was told it would be removed. Now 4 years later I still ca n't believe they wo n't remove this from the credit bureaus. How long can they continue to destroy my credit score? I 'm totally frustrated and will continue to contact my Congressman until laws are changed to prevent this abuse, both financially and mentally.
Product: Credit card

I have submitted a lifetime opt-out request about a year ago. I have since received numerous solicitations from citi ( XXXX XXXX, XXXX XXXX, SD, XXXX ). I have contacted them each time they send a solicitation informing them I have signed up for the " opt-out '' program and asking to be removed from all future contacts. They keep saying they will submit my information and remove me but obviously, they do not. Please tell me there is legal action I can take against them to hit them " where it hurts '' and get them to finally stop harassing me with these unwanted " offers. ''
Product: Money transfer, virtual currency, or money service

I opened the business account on the TD bank. I ran 2 XXXX  payroll through TD on XX/XX/XXXX. On XX/XX/XXXX, the employee told me that he filled out the wrong bank account. I immediately reached out the Td bank customer service. One of representatives told me I can use the stop payment to stop the payroll. And I paid XXXX dollars for stop payments for my 2 transactions. It might take a week to return my money back. 
On XX/XX/XXXX, only 1 transaction {$770.00} dollar was recalled. I called TD again. The rep said the other payment {$650.00} went through and told me that I should do the ACH dispute. I Definity will get the money back since I pay the stop payment. and the dispute might take a few months. 
On XX/XX/XXXX, I reached out TD again. The rep told me my claim was decline because I did not file the claim within 24 hours and the rep has very bad attitude on me and kept stating I loss money because I filled out the wrong bank account. I asked the TD XXXX for help. The TD manager said she will call back. 
On XX/XX/XXXX, I got a call back from TD. The guy over the phone told me " stop payment won't be work for the payroll, and they apologized for my loss. But they only can refund me XXXX dollar for stop payment fee. Since the event passed for a few months, they can not do the ACH reversed for me. The reason why I was able to recall {$770.00} because XXXX returned the money back to me. 
Overall, the TD customer representatives provided very bad experience. I could get my money back if they provide the right instruction. Right now, I lost {$650.00}
Product: Checking or savings account

On or about XXXX of XXXX, Fifth Third Bank closed my account and retained my more than {$30000.00} balance and has refused to returned the money. I called, called and called requesting the bank to provide to me the reasons for the closure and to refund me my money. The bank has refused to do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Consumer Financial has changed the reporting status of an account included in my Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on   XXXX   was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my  Chapter   XXXX  discharge.
Product: Credit reporting or other personal consumer reports

My ssn was exposed during the national public data breach I demand all negative items to be removed all inaccuracies immediately. According to FCRA my personal information is suppose to be protected and it was not.

15 USC Credi Law ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.