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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft i
s a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )
Product: Credit reporting or other personal consumer reports

Dear reviewer, I am writing to dispute late payments on my credit report that I noticed upon the review of my Consumer Credit Reports which resulted from identity theft. These discrepancies in question is regarding the payment history section of my XXXX  Account ( Account Name : XXXX XXXX Account XXXX # XXXX ). Experience Credit Bureau reported missed payments multiple dates which are showed on the attached supporting documentation. I had never been late on my XXXX credit card payments and the account which was registered in my parents address had XXXX balance. After further investigation, I discovered that these late payments were not made by me, but rather by an identity thief. I tried disputing this through XXXX, but they indicated that my account is close and could not assist or do anything for me. I was astonished by their response as they are responsible for helping current and past clients to resolve issues. My only option was to submit my claim through cfpb. 

I request that you please investigate and remove these inaccurate late payments from my credit report as soon as possible. I have attached relevant documentation, including a copy of the Credit Bureau Reporting that I am now paying XXXX XXXX  monthly to XXXX  in order to continue to protect myself from future identity theft. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct any inaccuracies promptly. I hope to get response within 30 days and hope that these charges can be removed from my credit report as I have NEVER ever been late on my XXXX payments. I sincerely hope that this request will result in favorable outcome to clear my name. Thank you, XXXX XXXX
Product: Checking or savings account

Navy federal credit union closed my account falsely with funds in the account and fraud occurred
Product: Credit card

In XXXX of 2015 I did a balance transfer from XXXX of my credit cards with a higher interest rate to my First National Bank of Omaha card. The rate on the original balance was at 12.99 % and the rate being offered by FNB was 5.99 % guaranteed for the life of the balance and with no fees involved. The amount of the transfer was {$7400.00} and was posted to the FNB account on XXXX/XXXX/15. The monthly payment on this amount on the original credit card was {$140.00}. The monthly payment on the FNB card before the transfer was {$170.00}, which resulted in a total per month of {$310.00} for both cards. Now the payment on the FNB card has increased to {$410.00} per month, {$98.00} per month more than I was paying before the transfer occurred. My question to FNB was how can my payment increase {$98.00} per month when the interest rate on the {$7400.00} amount went from 12.99 % to 5.99 %? Also, in the '' minimum payment warning '' of their statement it was explained that if I were to only make the minimum payment of {$410.00} every month it would take XXXX years to pay off the balance BUT if I were to make payments of $ XXXX it would be paid off in XXXX years saving me over {$1000.00}. FNB insisted that my minimum payment was indeed $ XXXX. When I suggested that I make the $ XXXX payment that was shown for early payoff I was told I would be charged a late fee every month. When I asked the customer service supervisor to explain the " fuzzy math '' to me, his answer was " That 's just how it works. '' So, by attempting to save money every month by lowering my interest rate by a full 7 % I am now spending {$98.00} more each month instead. I wonder how many other unsuspecting consumers have been mislead by FNB into transferring their higher percentage balances to this company and thinking they would also reduce their monthly payment by taking advantage of the lower rate.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XXXX Todays date XX/XX/year> Looking my credit profile recently noticed a fraudulent credit card ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) I ASK FOR A VALID INVESTIGATION AND DELETION OF THIS ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im information is inaccurate and I want a block on my 2nd and 3rd credit bureau, because they have inaccurate information of mine. My credit is great and I have a complaint of my credit losing the XXXX points as if recently. Im a XXXX yr retired XXXX XXXX  and pay all my bill on time.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

according to fdcpa reporting a late pay when collection accounts are close ended and can not be late also bridecrest reported an incorrect balance updated date for XX/XX/XXXX XXXX i never contacted them and they are re-aging the account. i attached the screenshot from experian credit report to show this. 

the report says the car was repossed in XXXX of XXXX, then it says Repossession. {$7800.00} past due as of XX/XX/XXXX. 

then it says Balance updated XX/XX/XXXX which means i agreed to a payment arrangement with them on XX/XX/XXXX which i did not. 

i have never contacted them for a payment arrangement they are re-againg the account
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX, XXXX XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but crooked auto sales took cash. The Finance charge is suppose to include insurance, but the crooked auto sales made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

I CALLED XXXX XXXX  SPOKE TO XXXX IN THE FRAUD DEPT IS A SUPERVISOR CAN NOT HELP ME AS I DO NOT HAVE THE ACCT NUMBER AND THE DEBIT CARD NUMBER EXPLAINED TO HIM I NEVER HAD THIS ACCOUNT ITS FRAUD HE CAN TELL THAT BUT I WOULD BE REQ TO FLY TO A LOCAL BRANCH TO GET THIS RESOLVED I CAN NOT AFFORD TO DO SO!!! PLEASE ASSIST ME AS THIS IS FRAUD!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I recently applied for an auto loan, I was initially declined because there was no credit history for me with Experian. Upon checking my credit report, I noted that a different social security number had been associated with my account, and all of my credit references had been wiped clean. There was literally XXXX XXXX XXXX existing for me. In addition there were erroneous addresses which were unable to be removed with the online dispute tool at Experian. When I called I was on an extended hold and was told when I finally reached a representative, that I need to have all the companies send a reinsertion letter to get the accounts to start reporting on my credit again. That is not my primary concern, my primary concern is that a different social security number has been associated with my credit account with Experian. They seemed completely unconcerned about this and were unable to tell me how and why this happened and why nothing had been done about it. As of last year when I pulled my credit report everything was accurate, so at some point a different social security number had been added to my credit report without my knowledge and without any knowledge seemingly by Experian. I continued to ask how the social security number got on there and what they were going to do about it, and the representative just kept telling me I need to have the reinsertion letters sent. He did not understand my anxiety and distress at the fact that there is a different social security number associated with my credit file with Experian, and they were not concerned and not doing anything about it. I asked to speak with a supervisor and was put on an extended hold, and then was cut off. I am sending a letter to Experian today, to the corporate office, and I am filing this complaint with you. My credit was jeopardized, I was turned down for a car loan. Only after calling XXXX and inquiring about my existing loan with them did they put it through. Had I been going for a different type of vehicle, this would have been declined, flat out. Experian is very difficult to get ahold of, and it is extremely difficult to correct your file using their online tools, as they do not allow many of the items to be disputed online. The social security number was XXXX of them. XXXX how distressing it is to look at your credit report and see a different social security number associated with it. In addition all of my past credit references have been removed, dropping my XXXX XXXX with them. It is currently XXXX with another credit bureau and I had to add my own monthly payments through my checking account in order to even get a XXXX XXXX with Experian, and it is currently about XXXX points lower without my credit history. This is an extreme misrepresentation of my credit record, and it is negatively affecting me. It has also caused me much distress. This is nothing short of negligent and reckless on their part. The last XXXX digits of my social are XXXX. I was unable to enter it on this complaint app.
Product: Debt or credit management

Signed up over the phone around XX/XX/XXXX. 
On the phone we agreed that I would deposit {$1100.00} monthly to for debt settlements. 
On the phone we agreed to $ 100 monthly retainer fee. 
On the phone agreed to {$10.00} monthly fee. 

After my first deposit posted on XX/XX/XXXX, they additionally would charge a " Service Fee '' of {$800.00}, and a " Admin Fee '' of {$99.00}. 

These actions continued through the month of XX/XX/XXXX, until I heard about a lawsuit against them in XX/XX/XXXX, and decided to cancel with them. I asked them to not include the " Service Fee '' and " Admin Fee '' for each month ( {$6300.00} total ) in refunding my deposited money, and they refused. They're saying the additional " Service Fee '' and " Admin Fee '' for each month were written in the contract I signed. 

On the phone during signup, I was told that if I decide to cancel after some months, I would only owe the total of the $ 100 monthly retainer fees and {$10.00} monthly fee, and they would refund the rest of my deposited money minus the $ 100 monthly retainer fees and $ 10 monthly fee. 

It is clear that they're blatantly lying over the phone call just to get you to sign the contract. I asked for the recordings of the signup phone calls and they said they don't give them to clients. 

If they would have clearly explained on the phone that out of my {$1100.00} monthly deposit, they would " steal '' {$900.00} of it, I nor anyone else would ever signup with them. They're strategy is to say one thing over the phone, then hope the consumer doesn't read through and understand every line of the super long contract that they have you sign in person. 

In the approximated 7 months I was with them, they did not settle a single debt. On the phone I was told they would only get paid 25 % of the settled debt amount for each specific debt. 



They owe {$6300.00} total for the " Service Fees '' and " Admin Fees '' that they didn't explain during the signup phone call.
Product: Debt collection

Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.
Product: Checking or savings account

On XX/XX/2019 the amount of {$410.00} was deducted from our bill pay with XXXX XXXX XXXX XXXX This transaction was mistakenly sent to XXXX XXXX instead of the party it was meant to. This was not the error of the bank but by accidentally clicking on the wrong bill payee. This XXXX XXXX account has been inactive for several years. Many calls were made to XXXX XXXX and XXXX XXXX which is their financial service. They suggest we contact our bank and our bank tells us there is nothing that can be done on their part and suggests we contact the payee. We have confirmation that XXXX XXXX accepted and deducted the amount from our checking account. We question that XXXX XXXX accepted this amount on an account that has been inactive.XXXX XXXX has no information on any of our personal information because the account is inactive and yet they accepted the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the balance on my XXXX XXXX XXXX loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked Experian several times to update the amount. Since XX/XX/XXXX Experian shows my balance was {$2300.00}. This information is incorrect! This is the balance Experian still shows I owe. I have disputed this amount numerous times with Experian and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent Experian proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and Experian still refuses to update or remove this account! Please ask them to remove this account as XXXX and XXXX did!
Product: Checking or savings account

In XXXX XXXX, I contacted BMO via telephone to dispute unauthorized charges to my checking account made via debit card and to initiate a formal dispute claim. Per my conversation with the BMO representative, a dispute claim was opened, and I was provided with a claim ID, which I referenced in all subsequent communications.

Shortly after my initial call, I discovered that the representative had failed to include all disputed transactions in the claim. Upon realizing this omission, I contacted BMO again to request that the additional transactions be incorporated into the existing claim. I was assured that these transactions would be added accordingly.

Subsequently, I received written confirmation from BMO indicating that the claim had been resolved in my favor. Relying on this resolution, I continued to use my account as usual. 

However, unbeknownst to me, and as later confirmed via telephone and email communications with BMO, an additional dispute claim was erroneously opened by BMO for {$2900.00}. This was done despite the fact that all disputed transactions were from the same merchant and should have been consolidated under the original claim. There was no valid reason for BMO to initiate a separate dispute.

As a direct result of this error, my account became overdrawn by nearly {$2900.00} due to BMO providing too much credit- which I was under the impression was just regular funds in my account due to the amount I was paid in the impacted month ( s ). BMO subsequently withdrew funds from my account ( funds that were allocated for a loan payment causing monetary harm ). As of XX/XX/year>, my account remains overdrawn in the amount of {$2600.00}. 

Despite multiple phone calls and email correspondence, BMO representatives have failed to resolve this matter. Numerous agents have acknowledged that XXXX separate dispute claims were improperly created instead of a single claim. I have been repeatedly assured that the matter was escalated for review ; however, I have also been informed that BMO will not be adjusting the balance, despite this clear administrative error on their part. 

BMOs failure to correct this error has resulted in financial harm and is unacceptable.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a pre approved offer for installment loan at a lower rate to be used for paying off other debts at higher interest rate. I applied, submitted additional documentation as requested and hard inquiry was done by the company to check credit. I attempted to contact the company on multiple occasions based on email stating I should receive response within 24-48 hours. These attempts started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and subsequently today XX/XX/XXXX, to hen at my request for information I wan informed the loan was denied, no reason provided. 

I believe the impact to my credit score due to this inquiry has been harmful to my ability to regain a positive credit standing and the lack of follow through or due diligence by this company is in violation of the Fair Credit Act as they did not provide suitable, notable or timely response based on the information provided to me. 

I would like this inquiry removed based on the neglect by XXXX to follow stated terms and agreements for credit offers and notification. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During a routine credit check by a financial institution reviewing an application for business credit, three late payments were noted from XXXX  XXXX XXXX XXXX XXXX {$7500.00} and reported on my Experian credit report. The account had been closed since XX/XX/2022 due to inactivity and a fraud alert issued in XX/XX/2022. Unbeknownst to me, XXXX XXXX XXXX  issued a yearly fee on XX/XX/2022. In XXXX XXXX, I was alerted to a FRAUD ALERT on the account from XXXX vendors by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and the account was CLOSED and no new card was issued. The above facts are not in dispute and have validated with XXXX XXXX XXXX employees over 4 hours of investigation without assistance nor resolution. Apparently, the account had not been CLOSED but frozen. The account information was removed from my login screen. XXXX XXXX  XXXX reported to the credit reporting bureaus three last payments on a closed account for an annual fee of {$79.00} issued on XX/XX/XXXX and never seen by me because the statement was never sent because the account was closed ( actually frozen ). The {$82.00} payment was made from my XXXX account in XXXX ( not initiated by me ) and the account closed. My credit was negatively affected for late payments on a compromised account, supposed closed, and compromised. The fraud alert and the annual fee both occurred within 30 days of each other. I am concerned that XXXX XXXX XXXX is holding other credit card consumers " XXXX " to annual fees on closed accounts and fraudulent charges. 
I will pursue this further with an FTC. I will DEMAND that XXXX XXXX XXXX remove/ reverse the negative reporting from XX/XX/2022 and XXXX.
Product: Checking or savings account

I never received the information regarding the Wells Fargo claim. Especially in regards to the overdraft fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose