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

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights regarding privacy and confidentiality. Specifically, these violations include : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Failure to protect nonpublic personal information 12 CFR 332.4 Failure to provide an initial privacy notice to the consumer 15 U.S.C. 1681i Failure to follow procedures for disputes regarding accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Obtaining and using consumer reports for impermissible purposes 15 U.S.C. 1681s-2 Furnishers failure to meet responsibilities when reporting to consumer reporting agencies 15 U.S.C. 1691e Civil liability for violations of the Equal Credit Opportunity Act 15 U.S.C. 1692e False or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in debt collection 15 U.S.C. 1692f Engaging in unfair debt collection practices 15 U.S.C. 1692c Unlawful communication practices in debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to comply with payment timing requirements 15 U.S.C. 1681e Failure to implement proper compliance procedures grow credit Opened XX/XX/year> {$26.00} XXXX XXXX XXXX opened XX/XX/year> These violations constitute a direct infringement of my federally protected consumer rights. I request immediate action to rectify these infractions in accordance with applicable federal laws.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$4900.00} XXXX XXXX Balance {$4600.00} XXXX XXXX Balance {$2700.00} XXXX XXXX  XXXX Balance {$9800.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1900.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States/ 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My loan number is # XXXX in the name of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I have trying to pay down the outstanding balance but Pen Fed keeps reversing my payments. The following payments to pay down the HELOC principal balance were not processed XX/XX/year> {$25000.00} XX/XX/year> {$10000.00} Please explain to me why you are not letting me pay down my principal.
Product: Debt collection

I started receiving phone calls from a company where the rep identified herself as XXXX XXXX. She asked for my personal info and I told her I wasnt comfortable with that and she got abusive then hung up. Since the I kept getting phone calls asking for the same info, until I finally got a letter and initiated contact. 

At that point I advised the rep I wasnt aware of the debt and needed it validated after over an hour telling me I must pay it and wanted my employer info and threatened my credit and job. 

On XXXX XXXX I sent registered letters to both locations that had been calling me requesting validation in the mail and no further phone contact. USPS tracking # XXXX shows this was delivered within a week. I still continued receiving phone calls, despite my request not to. 

Finally I received a letter dated XX/XX/XXXX acknowledging receipt of my letter and sending me a typed up page showing creditor and amount owed, not a validation. The calls also continued. During this timeframe they also reported me tonyhe credut bureaus. 

I then sent letters to the credit bureaus disputing this debt after proof of the debt wasnt furnished. To date XXXX is insisting the debt is valid and I affect heard back from the other 2 agencies. 

Today, XX/XX/XXXX, I received a threatening letter that now they will be forced to take the action that the creditor is insisting they take. 

The collections agency is XXXX XXXX for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently need your assistance in resolving them.
Product: Bank account or service

I have had my accounts with Chase for years. I got a letter stating they decided to close my account and I called which at that time was told they did not have to disclose why and I requested to speak to a manager and was told nobody had to disclose why they decided to terminate our relationship. I was then put on hold for a hour which at that point I hung up the phone. I even have my auto loan with them. I am a great customer and feel like there is no reason my account should be closed with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX  XXXX, MD XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit card or prepaid card

Bank of America fraud dispute claim XXXX for card number ending in XXXX On XX/XX/22 I received a call in the early evening from BOA asking whether or not I made a series of 5 transactions totaling {$8500.00}. Four transactions were made at one XXXX store and one transaction was made in another XXXX store. I replied that I did not make or authorize the purchases and I still had the card in my possession. The investigation by the bank concluded that I made the purchases since the purchases were made in person. I dispute this and have filed a police report with the XXXX precinct in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We received an escrow statement dated XX/XX/ stating that our monthly payment would be increasing by approximately {$200.00} per month this year, beginningin XXXX I called to find out what the reason for the significant increase was and was told that the value of my home had increased and therefore my predicted taxes were increasing. When I told the representative that my taxes have never increased that much and wanted to know the basis of the calculation, I was told " they have a formula '' and the burden of proving a less significant increase in this year 's coming taxes was on me. This then prompted me to make several phone calls to my local township, XXXX XXXX XXXX and the XXXX XXXX Tax Assessor. My property has not been reassessed. Today I spoke to XXXX on PHH 's Escalation Team and realized that my increase is due to an escrow mistake where PHH underestimated my local township taxes last year by over {$1000.00}. When I asked if my {$200.00} monthly increase is due to making up for last year 's miscalculation, he would not give me a yes or no answer and offered no apology. Many consumers can not afford a sudden and significant increase in payment with approximately 6 weeks notice and that may cause significant financial hardships. PHH knew of the error in XXXX and legally, I believe that we should have been contacted within 30 days of the error regarding correction options at that time.
Product: Credit reporting or other personal consumer reports

I can not believe that I am still dealing with errors on my report that should have been corrected long ago. These inaccuracies are damaging my financial health, limiting my opportunities, and making it incredibly difficult for me to move forward. It is absolutely unacceptable.
Product: Debt collection

I am putting this company on notice. Just recently this collection agency placed a collection account which belonged to another family member on my credit bureau profile. When trying to speak to them they would not speak to me because it was not my account, I did not open this. It belonged to my now deceased mother. 

It is despicable that companies such as AFNI exist and poison the credit reports of millions of innocent consumers nationwide. 

On XX/XX/2018, AFNI reported that I opened an account on XX/XX/2018 for XXXX that was placed for collection with a balance of {$790.00}. 

I do not now, nor have I ever had a XXXX account. My credit rating is illegally being harmed by the actions of AFNI.
Product: Debt collection

On XX/XX/XXXX, received a Notice of Collection Placement from EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX that I owed XXXX {$51.00}. I had closed my XXXX account in XX/XX/XXXX and the company ended up sending me back a refund, which I received in XX/XX/XXXX. I called EOS CCA and they told me I owed the money and I told them that was incorrect because XXXX owed me money when I closed the account and they paid me the amount of {$51.00}. The lady told me to call XXXX and gave me my XXXX account number ( XXXX ). I called XXXX, was on hold for over 45 minutes until XXXX, the XXXX account representative answered the phone. XXXX was very helpful. He told me that the account was closed and that there was a XXXX balance. He could find no instance where my account was sent to a collection agency. 
But just to be safe, he sent me to XXXX 's Finance Department, which I had to wait on the phone another 30 minutes, but XXXX waited with me, before anyone answered. My call was answered by XXXX, who told me my account was closed and that XXXX had sent me my refund of {$51.00} when my account closed in XX/XX/XXXX and the check sent to me in XX/XX/XXXX. XXXX told me that XXXX never sent my account to a collection agency and that EOS CCA 's Notice was fraudulent and not to give them any personal information because they were trying to steal my identity. I called EOS CCA back and told them that XXXX told me their letter was fraudulent and they they never sent my account to a collection agency and a manager told me if I didn't pay they would ruin my credit. I felt like I was being threatened to pay this collection agency or they would intentionally ruin my credit. 

I called back XXXX after this to get someone to help me and waited on hold again for 45 minutes before XXXX picked up the phone. He was very rude and told me I had a XXXX balance and if I wanted to clear up the issue I had to file a dispute claim with XXXX or no one would help me. I got off the phone with XXXX and I sent a dispute letter to XXXX asking them to clear up the matter of the collection Notice ( I also sent them a copy of the collection notice ). 

I am afraid this collection agency is trying to get money out of me that I don't owe and steal my identity. Even though I sent a dispute notice to XXXX, I am not sure they will do anything because they said they never put me into collection.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from XX/XX/2024. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXX XXXX XX/XX/2024 Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/2024 Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/2024 Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I contacted Barclays Bank to make them aware of charge that was not mine and had been assessed late charges on, they assured me that no interest and penalties would be assessed further to my account. They continued to call me and tell me my account was overdue and when I told them the account was in dispute they would tell me that it was a call in error and once their investigation was completed they would send me their results of their investigation. I was never notified of the results of that investigation and the late fees and penalties kept increasing.
Product: Mortgage

I closed on an FHA loan in XX/XX/2014. Prior to closing, I was provided with the INCORRECT PMI disclosure statement, which advised that MIP/PMI would eventually be eligible for cancellation. I understand NOW the guidelines of FHA, and understand MIP can not be cancelled on this loan for the entire life of the loan, due to closing LTV. However, I would not have closed on the loan if I were provided with all of the details prior. I consider this " bait and switch '' and " predatory '' lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX  one, and Experian deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I pulled my credit report after receiving a denial for credit in the mail from a place called CBNA ( Citibank. ) I called the number on the letter to let them know I did not apply for credit thru them. I was transferred 4 times and then hung up on. This happened 3 times. I finally got through to someone and they stated that I had to go through the credit reporting agency to fix this. I did that as well and was told by XXXX  as well as XXXX   that I needed to contact CBNA directly. I contacted the again, got the run around again, and finally spoke to someone named XXXX. He told me it was a soft inquiry and it shouldn't be on my report. I stated that I have not filled out any kind of credit requests since XX/XX/XXXX. He stated this was common and it doesn't count against me on my credit report but I see that it does. I want this removed and no one will help me. I didn't sign up for any credit cards or lines of credit. No one is listening to me and it's frustrating. 

My other issue along the same lines is that I bought a car last year from XXXX XXXX and they pulled my credit report twice in 24 hours. It's showing that I have 2 pulls from them on my report and it's counting against me. I contacted XXXX  and XXXX  to ask why and again I got ... .you need to contact XXXX XXXX . I contacted them and they told me that it doesn't count against me but it's showing that it does. They did tell me that FICO gives me 14 days to shop around yadda yadda yadda but it's on there and it's counting against my report. 

If I could get any help that would be great! 

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

I have SEVERAL unauthorized inquiries on my credit report from Equifax. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. XXXX of those inquiries are from XXXX on XX/XX/XXXX and XX/XX/XXXX. I did n't authorize those inquiries and XXXX has sent me paperwork stating that they were unauthorized and should be removed. They also sent it to Equifax and They still wont delete them. This was months ago.I have XXXX unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files.