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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On the dates listed above XXXX the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XXXX XXXX XXXX but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under XXXX XXXX Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the persistent issue of inaccurate fraudulent items on my credit report. Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX XXXX XXXX Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance? 
2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. XXXX  shows a high credit limit of {$0.00} and Equifax shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX  and XXXX  both show {$2000.00} and Equifax shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!
Product: Mortgage

I refinanced a loan with Quicken that I originally had also with Quicken. During that change my autopay stopped and I didnt realize it until I received a delinquency notice in the mail. 

I immediately set up autopay again but they had already reported it and destroyed my credit.
Product: Checking or savings account

The entire ordeal started with 18 charges to a fraudulent website starting last XXXX. It took multiple calls to customer service to try to dispute the charges and get adjustments. In the end there was only 14 of the 18 adjusted. Of the 14 adjusted all of the charges reapplied.

After multiple calls to customer service I was told it was because you needed additional information, and electronically sent a letter requesting it.

However, I have no access to such letters, and agin multiple calls to customer service couldn't explain why I didn't have access to the documents. Finally I was told computer error, but the charges couldn't be readjusted because I didn't respond ( to paperwork I never got ).

At this point, all I wanted to do was close the accounts, but wasn't allowed to do that either. So I decided to withdraw the funds. Nope, account locked, and again, multiple calls to customer serve ( which is a joke in itself ) resulted in nothing. 

So... 

XXXX. There's $ XXXX dollars in reward money that was supposed to be credited to the account which has just disappeared. 

XXXX. There are {$830.00} worth of charges to a fraudulent website, which neither you nor I can get in touch with that you wont adjust and wont re-dispute. 

XXXX. There's a checking and saving account with funds that you wont release.
Product: Checking or savings account

Hello, I work with a company overseas. They use XXXX  transactions to send money. 
My bank is Ally Bank. Ally apparently does not have their own XXXX code, they use a code through XXXX XXXX. This seems to be the heart of the issue. 

I worked very carefully to get all of the information to give the company from Ally. I gave it to them as directed. But my transactions never came through. 

The sending bank XXXX XXXX in XXXX XXXX made two separate transfers. 

1st payment : XXXX XX/XX/XXXX for XXXX Euros 2nd payment : XXXX XX/XX/XXXX for XXXX Euros As far as what the told me, the money did not come back to them. 

I called Ally on many many occasions. 
I called on XX/XX/XXXX I called on XX/XX/XXXX I called on XX/XX/XXXX. This time they told me they needed the 'tracing number ' of the original payments. I called back a week later with the tracing information. 
I called again on XX/XX/XXXX I called again on XX/XX/XXXX I called again on XX/XX/XXXX Ally escalated it to an executive resolutions team. The executive resolutions team did an investigations and told me that they will not be able to do anything. 
XXXX said that they would only begin an investigation if the receiving bank requested it. Ally refuses to look into this matter any further. 

Right now, I have over 400 Euros sitting in an account somewhere and Ally ( my bank ) refuses to send an e-mail to XXXX asking where it is.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXXXXXX XXXX ), ( XXXX XXXX ) ( XXXX XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
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. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Three times in the past year someone has stolen my identity and opened a chase credit card. I have put a hold on my account under all the major credit bureau 's, and called chase everytime to close the account. I asked them to put a permanent hold on my social security to not open an account when someone tries to use it, and they said that is not possible. This is negiglance by the company, and it is a simple software that can put holds that it is irresponsible that they do not have.
Product: Debt collection

this was a old loan which was taking off my credit score two months ago, Paramount Capital as of this past Friday XX/XX/XXXX done a hard hit credit pull on my credit which is against the law, I did n't give permission and had no knowledge of this till I checked my credit.Paramount stated they would do what ever it took to get it back on XXXX which is also against the Federal law.once it 's removed from credit scoring it CANT be put back on, so Paramount done this to damage my credit.I want this removed completely or I will seek legal actions. for I have NOT applied for credit with this company since XX/XX/XXXX.Paramount has over stepped on a old debt.
Product: Credit reporting

I have a loan out on a Car and also a Credit Card that I pay on time every month. I called the credit company and they said I have XXXX accounts and no credit history. Last year when I chacked my credit Score was at XXXX. XXXX are XXXX of the accounts I speak of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my XXXX Credit report and my Experian Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.
Product: Debt collection

On XX/XX/2022 I asked in writing for validation of debt & rights to collect on debt in Georgia, Ive also advise company I didnt give them permission to report any information or my consumer report. I requested dispute information, company has failed to validate debt within the allot amount of time. Collection company has ran my credit illegally, updates debt in an erroneous manner. Do so wish to file a formal complaint on debt collect company. Ive ask company to cease & desist on fraudulent information.
Product: Checking or savings account

I'm filing a complaint today as a result of getting a PNC letter denying my disputes totaling {$1000.00}. I've attached the BBB complaint showing the nature of the episode plus documentation I showed PNC employees and the BBB itself. I waited to file a BBB complaint because I figured my bank would correct this for me, but they did not. It is evident these denied dispute decisions are the result of having a poor credit rating. Additionally, it seems that the bank folks are submitting these complaints incorrectly as their website no longer offers the prompts available to do it autonomously. As a result, I am getting denied dispute letters with explanations that do not accurately apply to the dispute itself.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX XXXX : Navy Federal Credit Union, Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent item persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I XXXX be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove this fraud item in my credit file : XXXX XXXX  XXXX Balance : {$1500.00}.
Product: Credit reporting or other personal consumer reports

Filed an Federal Trade Commission Report ( FTC Report # XXXX ) and send it to Equifax and XXXX. 

The report states to please remove the following hard inquiries as they are fraudulent. 

Equifax 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Past Due Amount {$3600.00} XXXX 1 ) XXXX XXXX  XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX Please Remove the following account because it was fraudently applied for XXXX High balance {$3000.00} Opened XXXX XXXX XXXX  XXXX High Balance {$1700.00} Opened XX/XX/ XXXX
Product: Debt collection

Loan was a home I purchased in XXXX XXXX NV. Lost home in foreclosure. This loan should have No Money Past Due or an outstanding balance and no lates. Bank of America got their security back in the foreclosure. Should show zero due. and no current past due payments. Only being reported by XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and concern regarding the ongoing issues with my credit report. Despite these attempts to correct these errors, old accounts continue to appear as delayed payments, and late closed and charge-off accounts remain inaccurately listed on my report. The persistent inaccuracies on my credit report are causing significant damage to my financial reputation and are hindering my ability to access credit and secure favorable financial terms. Despite providing comprehensive documentation and evidence to support the correction of these errors, they continue to negatively impact my credit history. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Please help me correct the late open accounts and remove the late closed and charge off in my credit file immediately : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a letter to One Main Financial via certified letter. The amount in question was an account showing {$12000.00} After reviewing my consumer report I notice my transactions and experiences are being reported. Transactions and experiences between the consumer and the person making the report should be excluded from my consumer file. This information reporting has violated my rights. My information should be confidential according to 15 usc1681a sub title exclusions. 
Exclusions.The term consumer report does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This was an act done fraudulently. 

It is my belief that One Main Financial company has information in their database reporting without my consent. A financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless I was given the opportunity, before the time that such information not be disclosed. After reviewing the contract set in place with me the consumer I have not seen any signed disclosure forms with me agreeing that such information be disclosed to any third party meaning transunion, XXXX or XXXX.