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

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are apparently several models for your FICO score. For example : My FICO score through Experian 's FICO Score XXXX model is reporting XXXX while it's XXXX for the FICO score XXXX model. Score XXXX is what lenders use for mortgages. I have never been late on a mortgage, and have even paid them off. This score in my opinion should be higher than the score XXXX, but instead it's 72 points lower. There is no explanation for this disparity and can not get answers from Experian, XXXX or XXXX. My complaint is against the FICO scoring system. They are also showing a low score on my auto, and I have never been late on an Autoloan. I have had 2 auto loans, both of which were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX XXXX in XX/XX/XXXX. I talked to the sales manager at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX XXXXl that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX XXXX my businesses and was turned down with my bank, XXXX XXXX XXXX XXXX XXXX, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and XXXX we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from XXXX and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX XXXX this week and received a letter regarding this account and was advised that I owe {$2600.00}. Again XXXX XXXX XXXX would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXXXXXX XXXXl for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXXXXXX XXXX. At no time was I given the opportunity to explain my side to the credit bureaus.
Product: Credit card or prepaid card

This is about a capital one credit card account opened in my name with remaining balance due of {$460.00} and was opened as of XX/XX/2020, I have not opened any credit card accounts in about 3-4 years.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX DATA BREACH AND SOMEONE WAS SUCCESSFUL IN USING MY SOCIAL SECURITY NUMBER TO OPEN ACCOUNTS THAT WERE UNAUTHORIZED. I DID NOT GIVE MY CONSENT TO OPEN UP THESE ACCOUNTS AND NEED THESE ACCOUNTS REMOVE IMMEDIATELY. THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE AND MY CONSUMER RIGHTS HAVE BEEN INFRINGED UPON
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity, and I need your help to remove the fraudulent items from my credit report. My research indicated that I must file an identity theft report with the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B, credit reporting agencies must remove items listed in an identity theft report, using reference numbers XXXX and XXXX. Attached are documents to assist in removing the erroneous personal information and inquiries from my report. The following items were opened without my permission : 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 Per FCRA Section XXXX ( a ), credit reporting agencies must remove any items identified as resulting from identity theft within XXXX business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing this dispute because my XXXX XXXXXXXX XXXX account is still being reported wrong by Experian as " Current, was past due 30 days, '' even though Ive always paid on time. This is incorrect, and whats worse, other credit bureaus are reporting it correctly as " Paid or Paying as Agreed. '' By reporting this wrong status, Experian is violating the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy under 15 U.S. Code 1681e ( b ). I already disputed this issue, and Experian didnt fix it, which also violates 15 U.S. Code 1681i ( 5 ). That law says if a reinvestigation finds the info is wrong, incomplete, or cant be verified, it must be corrected or deleted, and the source notified. Not fixing this after my dispute also breaks FCRA 611 ( a ), which requires proper reinvestigation of disputes. By still reporting this false info, Experian is violating FCRA 616 and 617, which allows damages of {$1000.00} per violation for willful noncompliance. This incorrect reporting is harming my credit and is inconsistent with how other bureaus are handling this account, as they show the correct status of " Paid or Paying as Agreed. '' I demand Experian update the status of this account to reflect " Paid or Paying as Agreed '' immediately and send me proof of the correction
Product: Credit card

I applied for a hardship program with Capital One. Capital One turned my application down, citing : " My stated hardship reason does not qualify for a financial accommodation. '' I have been a valued customer for over seven years and have a perfect payment history reported on my credit reports. Capital One interest is significantly high, and I am drowning in the absorbent amount of monthly interest charged, with most of my monthly payments going towards interest. Capital One 's financial products appear predatory since their credit card products charge very high interest, coupled with their refusal to administer a hardship program on my account.
Product: Mortgage

" NewRez '' took over my loan from " XXXX XXXX '' effective XX/XX/XXXX with 2 weeks notice. I had already scheduled my XX/XX/XXXX payment. XXXX XXXX transferred my account minus the XXXX payment that doesn't clear my little local bank until the XXXX. They showed that I was a month late. Subsequently, with other correspondence the verified that they received and credited this payment to my XXXX payment due. 

Currently, they are trying to show TWO DIFFERENT DUE DATES : their " CONTRACTURAL '' DUE DATE AND THE STATEMENT DUE DATE. This is not right. 
I am current on all payments even though I went through a XXXX XXXX Bankruptcy. It was discharged in XXXX, 2023 as stated by the letter of XX/XX/XXXX from NewRez. At that time the Trustee stated emphatically that all due amounts ( including those certified as paid by " XXXX XXXX '' ) were current. 

It is my belief that with NewRez trying to show that new ( unwilling ) customers are paying a month behind that in the end of the term homeowners will end up making an extra payment on their loans. 

You can not be current and then suddenly a month behind.
Product: Credit reporting or other personal consumer reports

XXXX is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a bank XXXX  card ending in XXXX which is a XXXX XXXX  that has been paid in full before they updated report, they post to my credit report. XXXX does not contact the creditor they use a data base that is wrong and 30 days behind
Product: Debt collection

I received a letter from Source Receivables Management dtd XX/XX/2023, enclosed with statements with my name, but not my address, with a phone number, but not mine. I asked them to provide me with a contract of the original debt, and they provided me with some statements and typed my name out. I am not aware of this bill and I tried to reach out to them and they refused to take this off my credit. 

This is presenting a hardship for me as I need to have my credit in a position to maintain gainful employment. I need this to be removed asap.
Product: Credit card or prepaid card

I paid my credit balance in full to American Express on XX/XX/XXXX. So at this point the balance is reduced to XXXX. Then on XX/XX/XXXX American Express charges me interest on my balance, but the balance is already XXXX. They charged me interest based on the assumption that I did not pay my balance in full. However the reality is I paid my balance in full two days ago. I tried to explain this to American Express on XX/XX/XXXX but they would not issue a credit for the interest charges. I would like to file a complaint to American Express to get my XXXX interest charge removed.
Product: Credit reporting

This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly.
Product: Debt collection

On XXXX XXXX, 2017 I received an alert from XXXX XXXX XXXX that a collection was added to my XXXX and XXXX credit report. I have never received a dunning letter from this company to validate or dispute, the account was just added to my credit reports.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DECLARATION OF XXXX XXXX. 
I declare under penalty of perjury pursuant to 28 U.S.C. section 1746 as follows : I am over 18 years of age and competent to make this declaration. I have recently obtained my consumer report from XXXX. XXXX is reporting the following unauthorized inquires on my consumer report : I am a victim of fraud : EQUIFAX has my name misspelled 10 times and have 24 different addresses I don't have any knowledge of. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Any other addresses I have nothing to do with. I have no knowledge of the personal phone numbers THAT ARE LISTED ALL UNKNOWN ACCOUNTS : Automobile Acceptance for XX/XX/XXXX @ {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX @ {$500.00XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX SOFT INQUIRIES I HAVE NOTHING TO DO WITH
Product: Checking or savings account

My Email is XXXX or XXXX and My Address : XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX [ Phone Number ] XXXX XX/XX/year> American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Complaint Regarding Account Issues and Unreturned Funds Dear American Express Customer Service , I am writing to formally express my dissatisfaction with the recent handling of my account, [ Account Number : XXXX ]. My experience has been frustrating, and I am compelled to file a complaint due to unresolved issues regarding the return of my funds. 
On several occasions, I have made deposits into my American Express High Yield Savings Account, as detailed in the attached bank statement. Despite following all necessary procedures to link my account and transfer funds, I have encountered unexpected reversals and a lack of communication regarding these transactions. 
It is perplexing that my deposits were allowed repeatedly if there were underlying issues. I am particularly concerned that the funds have not been returned to their original source or credited to my account, leaving me in a difficult financial situation. 
Given the time and effort invested in setting up
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry : XX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report in XX/XX/2022 and XX/XX/2022 and I filed several disputes due to the inaccuracy information that is being reported on my credit report. I requested the credit consumer agencies ( Experian, XXXX, and XXXX ) to investigate and delete the following account : Account Name : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, the information on the consumer report must be 100 % accurate, and Under 15 U S 1681i, 15 U S Code 1681e ( b ), 15 US Code 1692e ( 5 ) False or misleading representations- legal status of any debt ; The false representation or implication that any individual is an attorney or that any communication is from an attorney ; The threat to take any action that can not legally be taken or that is not intended to be taken. As you see in the reports, there's several comments about the account being assigned to an attorney. 

XXXX has, on several occasions, reported me as collections for several months, when I have made payments. As you can see on the attachments, XXXX XXXX XXXX has fraudulent ways and they are trying to cause distress and make it hard for me to obtain credi0, which is why my credit score dropped. Please see this matter and address it immediately. After disputing this account with the three big credit reporting agencies, they have yet to provide me with the documentations of their investigation. I have also included a copy of the letter I sent to the big three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights.

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions.

I didnt give them written instructions.
Product: Checking or savings account

Hello Ive been contacting Bank of America number XXXX since XX/XX/XXXX about my case I have never had any card I have my police report I faxed it 8 times this company keep misleading me with false information to where they never receive my police but yet I keep sending it to where these people telling me each time its a different name or no name on the fax at all. I reached out to the attorney general for help and light on this situation. Today I spoke with XXXXXXXX XXXX XXXX and now XXXX speaking with XXXX XXXX XXXX she telling me I need to step in the branch to verify my identity after ive been speaking with them since XX/XX/XXXX they ask you some questions and send you to what area via phone you need to reach like claims department. So now why are they giving me an issue just to see if they received the police report yet! On XX/XX/XXXX I was on the phone for XXXX hours that call was recorded and monitored since I call off my work phone. Now they transferred me to XXXX from XXXX  telling me I need to go into the branch for what I dont know I feel like these people are targeting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given an hard inquiry on what was described as a pre approval without credit inquiry then given on afterwards.
Product: Checking or savings account

On Thursday, XX/XX/2021, my XXXX credit card payment was due. The amount due was {$29.00} and that '' s the amount that I paid. It was transacted through my checking account. The amount that I noticed yesterday that was cleared was for the amount of {$57.00} but that's NOT the amount I paid for or approved. This is the second time that this company has dobe something fradulent. I filed a complaint back in XXXX or XXXX with cfpb and with FTC. It was in regards to my loan that I had with this compnay. I've pay all kinds of bills with my checking account and debit card. NO company has taken advantage of my finances but Self and I've had enough! The next stop is FTC and my local police department as well as the state attorney general. I will pay off this credit card and seek to talk with someone from XXXX and XXXX so that I that my credit score will not take a hit due to the negligence of this company. I've had enough.
Product: Checking or savings account

I received an email from Chime that i have opened an account. I did not authorize the account being created and it used outdated information. I called the company and they are unable to provide information on how this account was created and mentioned on how to safeguard information, when its hard to because companies don't protect information that well.
Product: Credit card

My company got a Chase XXXX credit card. The person that applied for the card left the company last year and no longer works for the company. The account was paid and had a XXXX balance when we called and closed the account last year. The company kept the account opened and charged the annual fee and continued to charge the late fees for nonpayment. We did not receive any bills for over XXXX months and only last week we received an email saying the account was past due and closed because of non-payment. I called the customer service number and was transferred back and forth for over XXXX hours looking for someone that could reverse the charges. I was finally transferred a supervisor named XXXX XXXX, who said the only person that could close the account was the person that no longer works for the company, which we ca n't get a hold of. We asked that all the unauthorized charges be removed and he said he would not and threatened to keep on accruing interest and late fees on charges that was never authorized and additional late fees.