23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing regarding the denial of my car loan application referenced above. I The denial letter stated that " additional or different terms are necessary for us to extend credit, '' without providing specific reasons for the denial. Furthermore, your decision relied on a third-party credit report, which raises concerns about the accuracy and legality of your evaluation process.

I believe this credit denial may violate several consumer protection laws for the following reasons : Lack of Specific Reasons : The Equal Credit Opportunity Act ( ECOA ) under 15 U.S. Code 1691 ( d ) ( 2 ) requires creditors to provide specific reasons for adverse actions. The vague statement in your letter does not satisfy this requirement and denies me the ability to address 
or correct any potential issues.

Inappropriate Use of Credit Factors : Your denial appears to rely on non-decisive factors unrelated to my ability to repay the debt, contrary to the requirements under the Truth in Lending Act ( TILA ) and related statutes. Denying credit based on such factors may constitute a violation of 15 U.S. Code 1611.

Adverse Action Based on Third-Party Reports : If your decision was influenced by information in my credit report, the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 requires that I am provided with specific details about the report and an opportunity to dispute any inaccuracies. Your failure to provide these details hinders my ability to ensure the accuracy of the information used against me. 

I respectfully request the following actions be taken within 5 days of receiving this letter : Option 1 : A written explanation of the specific reasons for my credit denial, in compliance with 15 U.S. Code 1691 ( d ), or Option 2 : -A reconsideration of my {$60000.00} car loan application, excluding any factors that are not directly related to my ability to repay the debt, and -Provide me with a manual review and approval of my car loan application.

Should you fail to address these concerns or comply with applicable laws, I may pursue remedies available under 15 U.S. Code 1691e for violations of the ECOA and other applicable statutes.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and no help I call the bankruptcy court and they informed me that XXXX has not reached out to them and its against the law to speak with them. The Fair credit act repair requires them to verify this information and they havent done so. Please have them remove this incorrect information from my report this is gendering me from purchasing a home and inquire a security clearance for my job
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX # XXXX. this account should be deleted ASAP it is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ALSO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA is INCORRECT and needs to be removed. My CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX and XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Regarding my son XXXX XXXX born XXXX XXXX, XX/XX/XXXX.I received a bill in the amount of {$530.00} from XXXX XXXX XXXX XXXX but to my sons XXXX he was rushed to the Hospital. I contacted the number on the bill, I gave the rep my Insurance info with XXXX. Not sure what exactly happened but somehow they billed Medicaid instead, therefore making this billing error their mistake. since they could n't collect from medicaid since i do not have medicaid they sent my account to a collection agency called Bay Area Credit and they are now charging me {$540.00} as they are adding interest to my original bill. I then called XXXX XXXX again spoke to the rep to let her know that they are billing the wrong Dept as I do not have medicaid, she said it was the same thing but it is n't plus i know my insurance was n't billed cause when i log into XXXX I dont even see the bill at all as denied or paid so it was n't out through to my proper Insurance, the customer service rep for XXXX even gave me an claim id XXXX, she told me that she would resubmit the bill and that she is putting a 30 day hold by sending collections an email until they collect payment from XXXX that was on XXXX XXXX, XXXX. Now its XXXX XXXX, XXXX, I receive another letter from Bay Area Credit Service in my sons name trying to collect a debt, saying that they will effect his credit report, how can they collect from a minor, as my son is XXXX and why charge a late fee for a bill that was n't paid because of XXXX XXXX XXXX 's billing mistakes. There billing department is constantly billing to medicaid even though i inform them it is incorrect, therefore if my Insurance was n't even billed why was my sons account sent to collection? So resin his credit a minor or mine as his guardian and charge a late fee even though this was 100 % their mistake? This is wrong! Please help me with this matter!
Product: Payday loan, title loan, or personal loan

Security Finance called mother who is listed a reference. They asked her if I was with her and my mom said no. My mom asked why, the representative told her I was past due 2 payments on my loan and have not made a payment and I need to make a payment on my account. The representative had no business telling my mom that I was past due or need to make a payment she violated FDCPA by releasing information about my loan without authorization.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX  XXXX  repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite resolving a recent dispute and removing an inaccurate account from my credit report, XXXX XXXX has a long history of inaccurately reporting this same account, which has caused significant financial and emotional harm. Evidence from my XXXX FTC identity theft report and a police report proves that this account was flagged as inaccurate years ago. Yet, XXXX XXXX has continued to report this information to consumer reporting agencies ( CRAs ), violating their obligations under the FCRA. 

Details of the Complaint : Nature of the Issue : XXXX XXXX inaccurately reported an account under my name to the consumer reporting agencies. I am not responsible for this account, as documented in my XXXX FTC identity theft report and police report. 
Despite previous disputes and resolutions in XXXX, XXXX XXXX resumed reporting this inaccurate account. 
Most recently, XXXX XXXX removed the account again after a dispute I filed in XXXX, which confirms their error. However, the harm caused by years of negligent reporting remains unresolved. 
Violations of Law : FCRA 623 ( a ) : XXXX XXXX repeatedly failed to ensure the accuracy of the information they provided to consumer reporting agencies, despite being on notice as far back as XXXX. 
FCRA 623 ( b ) : XXXX XXXX failed to adequately investigate disputes and take corrective action to prevent future errors. 
Case Law Supporting Violations : Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) : Reinforces the duty of furnishers to ensure accuracy and take responsibility for harm caused by inaccuracies. 
Cousin vXXXX XXXX XXXX XXXX, 246 F.3d 359 ( 5th Cir. 2001 ) : Establishes liability for repeated inaccuracies and harm caused, even if resolved later.

Harm and Damages : Credit Score Impact : The repeated inaccurate reporting of this account negatively affected my credit score over the years, limiting my financial opportunities. 
Emotional Distress : The ongoing stress of disputing this account repeatedly, along with the financial impact, has caused significant emotional harm. 
Financial Harm : Due to the damage to my creditworthiness, I have been denied credit and subjected to higher interest rates. 
Consumer Reporting Agencies ( CRAs ) : CRAs ( Experian, XXXX, XXXX, XXXX ) also bear responsibility for failing to flag and suppress this inaccurate information despite documentation from my XXXX FTC identity theft report and police report. 
Under FCRA 611 ( a ) and 607 ( b ), CRAs have a duty to investigate disputes and ensure the maximum possible accuracy of consumer reports. Their failure contributed to the harm I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining through the Bureau because XXXX XXXX has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified XXXX and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can XXXX show me any error they have found, in writing. I request that. 

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them. 

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. XXXX has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 XXXX wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.
Product: Credit card

I spent over an hour speaking with different representatives from Barclays Bank I was then finally connected to someone in the fraud department who stated that this account was created with someone walking into a bank and using my information which to my knowledge no one has my information I then told them that this was not me I have never been to any bank called Barclays Bank or anywhere out of my state recently they then told me that they would contact credit bills let them know that this was fraud and it will be removed I waited months on end and it is still on my credit report I just recently contacted the Barclays Bank and they stated that this account was no longer in their system and they had no proof or information of it at all but it is still on my credit report as a hard inquiry I contacted all the credit bureaus they told me that Barclays Bank should be reaching out to them but they have not heard anything from them at all
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting or other personal consumer reports

This is my several request that I am a victim of identity theft and I write to dispute certain item in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$770.00}
Product: Bank account or service

XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.
Product: Mortgage

BANK OF AMERICA IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A DEED THAT FROM NATIONSBANC MORTGAGE CORP ON IT THERE IS NO ASSIGNMENT OR TRANSFERS TO BANK OF AMERICA NA. I HAVE MAILED 2 DIFFERENT QWR AND BOA HAS YET TO RESPOND TO EITHER. I HAVE ASKED FOR THE GAP ACCOUNTING AND SUBMITTED.A DEBT VALIDATION LETTER.BUT HAVE RECEIVED ANYTHING. 
BANK OF AMERICA WAS IN THE PROCESS OF WORKING ON A MODIFICATION WITH ME BUT THE WERE STILL MOVING FORWARD WITH FORECLOSURE PROCEEDINGS SIMULTANEOUSLY THIS IS CLEARLY DUAL TRACKING. 


COPY OF THE 2ND QWR IS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I abhor this! I have already spent a significant amount of time emailing disputes and filing complaints, but I have yet to see any outcomes from my disputes. This is causing me significant pain and stress.
Product: Money transfer, virtual currency, or money service

I made a deposit to my Key checking account in the amount of {$19000.00}. On the same day Key Bank took the entire amount from my account and transferred the entire amount to an unused credit card account from a different bank. 
Their customer service was nonexistent and XXXX. They said all they could was file a fraud claim. This is ridiculous because this was obviously a bank error and they probably don't know what they did and now refuse to return the money until after the fraud examination which takes a long time. 

This is the third time I have been forced to go through the fraud exam started by Key Bank because of their incompetence and lack of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my TransUnion credit report true identity account my personal information is incorrect everything on there not valid cause my personal information to be incorrect I requested everything should be removed off my credit report an middle name need to be removed as it provides on state issue identity card provide by government law everything must match I requested everything should be removed off my credit report my address is XXXX XXXX XXXX XXXX XXXX XXXX that incorrect information on this report this should be my credit score due incorrect information was provided I never use any credit
Product: Debt collection

I recd texts saying my monthly amount was owed. I called the storage place because we moved out and informed them we moved. I told the gentleman that I keep receiving texts and he said the system was having issues. I called the next month as well he said it was an error not to worry about it. Then in XXXX I recd a collections notice for $ XXXX. My mo rent was only {$100.00}!. I called collections left a message. No call back. Called collections again and left another message. No call back. Called collections a 3rd time. I asked the guy for a detail of how the amount owed was over $ XXXX. He said to read my contract ( which states nothing ) I asked for a detail of the amount and did not get that. I told him I was disputing the amount owed which stated on the form I needed to do by XXXX -which I did. I have not heard back from anyone but its now on my credit and effected my credit score drastically
Product: Mortgage

My payments for 12 years were paid by military allotment. XXXX we got a call Bank of America had not received our XXXX payment. We sent proof military allotment paid electronically as always. Investigation will take up to 30 days. Bank of America also had a system change and it effected a lot of payments. We stilled received late notices while we waited. XXXX come again military allotment payment sent but they cant find it. We send proof. 30 days not up yet. We received certified mail ( which I refused ) stating we are 2 payments behind now. I filed a complaint, that was crossing the line in this situation. Today I call I was informed the payments were sent back to military allotments and they will no longer accept MILITARY ALLOTMENT payments. That is so wrong in all areas. I felt like they do not want to deal with the military almost disrespectful. Paying by military allotment gives the military member a peace of mind his/her family is taken care of as they are XXXX and The family doesnt have to worry about making the payment. I called military allotments told them, they having none of that information. I received the payments tracking # s and called Bank of America. They said it will take 5 days. I asked about no Military Allotments no longer accepted she said that was correct. I had to do all the research to prove the payments which at this point I have to wait and see if they find with tracking # s and to deal with the feeling my husband and many military members give there lives ( some loosing their lives ) so we all can have this freedom some take for granted.