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

Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe XXXX balances from XXXX companies for XXXX account? Please explain to me how I owe this debt to XXXX people? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 
Account- XXXX XXXXXXXX XXXX XXXX XXXX DELETE XXXX XXXXXXXX DELETE This is known as double jeopardy it happens ALL THE TIME! Its a FCRA VIOLATION!
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 1XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX USA XXXX
Product: Vehicle loan or lease

Miss leading on the interest rate at the signing of the loan it says 24 % of the amount finance and its not 24 % it around 56 % of the amount and say noting else about other calculations of other finance charges or why the amount of {$4900.00} in a charge interest of $ XXXX the amount in the agreement online it say something about fix compound other loan agreement 's but not on the bill sale or financial agree and XXXX XXXX in XXXX Al at 1st Franklin Finance in XXXX plus its a conflict on monthly interest and principal paydown added monthy and the interest payment calculator to my credit report and history
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Hello, I am unsuccessfully trying to get updated on my accounts being closed. I called the number as recommended once I was locked out of my accounts, and was told they could not tell me why my accounts were closed I just had to wait for a letter and XXXX days to get my savings back! I am rightfully frustrated, and to top all of this off the agent hung up on me the first time I called! I then called the corporate number and could barley hear XXXX as she was giving me basically the same information except this time I received a reference number # XXXX. XXXX then gave me a number, and the name XXXX to speak to about my case, I called the number turns out it was the exact one I called this morning ( XXXX ) XXXX. I don't think it is unreasonable to know why my checking and savings accounts have been closed without notice, or to have my money returned to me without waiting XXXX months! Could someone please rectify this in a timely manner? I was originally locked out of my online account on or before XX/XX/2023 ; I called them XX/XX/XXXX, XXXX and emailed. The response to my email : Citi Reference Number : XXXX Hello XXXX, Thank you for contacting Citi. We received your correspondence. Please be assured that your communication is important to us and will receive a deliberate and thorough review. 

We appreciate your patience while we investigate this matter. If applicable, we anticipate having a response to you within XXXX calendar days. Should you have any questions or wish to provide further information regarding this matter, please feel free to call us at XXXX. * Our business hours are Monday Friday, XXXX XXXX XXXX XXXX., CT, with the exception of holidays. 

I do not want to use this financial institution any longer I just want my savings back. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX is sending text messages every other day. I dont know who they are and what debt they are referring to. Theres no opt out on the text messages and the text doesnt state that they are a debt collector. 15 U.S. Code 1692e - False or misleading representations
Product: Debt collection

I have been a victim of identity theft. This has been going on for months unfortunately until today it has not been resolved. There are two PNC accounts that don't belong to me. I have tried several times to dispute with the bureau and the creditor. I actually tried calling PNC a few times and after waiting and waiting no one ever resolves my issue. I have sent in all the documents proving that I have been a victim of identity theft. The bureau has stated a few times that both these accounts have been verified however what is the source how are they verifying no one can provide any type of proof. I have overnighted and certified several times and until today nothing. I have requested a 623 to verify debt as well and until today nothing no correspondence. Section 623 of the Fair Credit Reporting Act ( FCRA ) requires the federal banking agencies ( Agencies ) and the Federal Trade Commission ( FTC ) to : Issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies. They have violated my rights and at this point I have exhausted all my options. Creditor tells me one thing while CRA tells me another. This is absolutely hurting my credit score.
Product: Prepaid card

I called Rushcard to dispute a charge on my account. The woman said it would take approximately 90 days to handle the dispute. She said it would be faster to get my daughter to give me the {$88.00} back which was the charge amount, because it was from her insurance making the charge to my account. I had previously paid my daughter 's Insurance the month before and apparently the insurance company had went ahead and took out her insurance charge again the next month. Then the woman proceeded to say that she had to cancel my card and that it was standard procedure. I told her that she could not cancel my card, because I had a direct deposit coming through the next day that I needed and that I needed my funds to take care of my bills and my children. I told her not to cancel my card. I told her several times not to cancel my card and that I needed my funds to take care of my family and my bills. I told her she better not cancel my card. She kept saying she had to cancel my card. I told her I needed to speak to her supervisor. After all the time she spent on the phone saying she had to cancel my card she never really handled what I called about which was disputing the insurance charge. After I was on hold for a long time I talked to the supervisor who checked my account and said that the card had been cancelled by the previous woman she then proceeded to tell me that it would take 7 days to get me another card ; however, she could charge me {$30.00} to get me an expedited card which she would take out of my direct deposit when it hit the next day. My complaint is that I never wanted my card cancelled in the first place I told the lady that I intended to cancel my card myself after I received my direct deposit and that I did not want her to cancel my card and that I would do it myself and that I feel I should not have been charged {$30.00} for an expedited card when I did not want my card cancelled in the first place.
Product: Credit reporting or other personal consumer reports

THERE ARE STILL THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I don't know why but I want it removed so please checked the documents I've sent.
Product: Credit card

I am just an authorized user on my ex-husband 's credit card. They will not remove me, and they will not change the email address on the account so I can continue to get emails about this credit card that I 'm not responsible for. Which makes no sense because I have no vested interest in making the payments, so they need to change it to his email
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted in XXXX or XXXX that a private student loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX, we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Product: Credit reporting or other personal consumer reports

" There appear to be inaccuracies on my credit report under 15 USC 16c-2, showing hard inquiries that I did not authorize. These are affecting my credit, and Im asking for all unauthorized hard inquiries to be removed. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thor

ough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are as listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And my credit age is very inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
Product: Checking or savings account

Bank of America closed my account due to suspected fraud activity that's the only thing that is in my XXXX report but everything is paid in full I don't owe them anything at all so I don't understand why am I on XXXX I would like to please dispute this it's stopping me from opening another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have repeatedly via web requested for a credit report. every time i have been denied and told to call. i have called and sent requests and all are denied and will not allow me to get a copy of my my report. i am tired of it. i have answered every question and i know they have verified me cuz other credit report places have told me so and still they deny me. why?
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I had fraud charges on my bank account that were done through XXXX that weren't mine. I have attempted to go through my bank three times but they keep denying saying because I have used them before they aren't honoring but i didn't do these and this caused me financial hardship. These were debit card purchases using my card. I received zero benefit from this and can't believe my bank isn't assisting me with this.
Product: Checking or savings account

Bank of America : Overdraft fee charged in violation of overdraft protection Act HR 1261 -Transaction over the total account balance was attempted.

-Bank Declined transaction -Bank CHARGED OVERDRAFT FEE occurrence XX/XX/2018 law states : ( 2 ) the consumer will not be charged a fee if such transaction is declined.

Representative over the phone stated they charge this customarily and when I mentioned this law to the representative she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even after your investigation. Identity theft has happened to me. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.
Product: Credit reporting 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 that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$390.00} XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I prepaid capital one XXXX dollars for there secured ctedit card. I never used the card and closed my acct they refuse to refund me
Product: Mortgage

We sent Chase the comprehensive contract on XX/XX/2021 which clearly indicated that the property has an apartment number and as such is a condo. 

Per our lock-in agreement signed on XX/XX/2021, the discount point is stated at 0.073 % and expiring on XX/XX/2021. Per the loan estimate package dated XX/XX/2021, we also note the same discount point and the same expiration date. And per the firm commitment issued on XX/XX/2021, the same discount point is mentioned. 

Friday XX/XX/2021 ( XXXX days before closing ) was the first time we noted that the higher discount rate 0.823 %. We signed this so we can close otherwise we would be in breach of contract ( end of time of the essence notice is XX/XX/2021 ). 

When questioned why our locked rate change when it clearly said expiring on our close date XX/XX/2021, Chase first told our attorney that it's due to the change in bank between XX/XX/2021 and closing date XX/XX/2021. It couldn't be because we went with a different lender as we did not sign any documents with Chase on XX/XX/2021 and the first signed document is dated XX/XX/2021. When confronted with this information, Chase change the explanation to the fact that it was a condo and not a single family home, which warranted a change in the discount rate. A condo is legally a single family home. The signed contract we sent over on XX/XX/2021 clearly indicated an apartment number. According to Chase, this pricing change and was immediately disclosed through the portal, which unless we logged on the portal, which we did not, would be completely oblivious to this change. 

I believe a best practice guide, which obligate bank to call/email customers as well as have customers re-sign the lock-in agreement should there be a change in pricing should be in effect to avoid this situation in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
Product: Vehicle loan or lease

On XX/XX/year> i gave the dealership in XXXX XXXX XXXX a deposit of {$5000.00} to get the XXXX XXXX Will be incluse the balance of the car.