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

I am writing to formally dispute the following inquiries, Names and addresses also employment history listed on my credit report, as they are inaccurately reported and were not authorized by me. The unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which protects consumers like me from inaccurate and unauthorized information on our credit reports. 

Name details : XXXX XXXX XXXX, XXXX, XXXX XXXX details : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Employment History Details : XXXX XXXX Inquiry details : XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  ) - XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I have not applied for any credit, loans, or financing with the entities mentioned above during the corresponding time frames. As a result, these inquiries are not only inaccurate but also infringe upon my rights under the FCRA. According to the FCRA, unauthorized inquiries must be promptly removed from the credit report. 

Please investigate this matter in accordance with the FCRA guidelines and promptly remove these unauthorized inquiries from my credit report. I am enclosing copies of supporting documentation, including proof of my non-engagement with the mentioned financial institutions during the specified periods. 

I kindly request that you provide me with written notification of the results of your investigation within the 30-day timeframe stipulated by the FCRA. If the inquiries are not removed in a timely manner, I reserve my right to take further legal action to ensure the correction of my credit report.

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in late XXXX I received an email from XXXX saying that the application for my new XXXX XXXX XXXX credit card was being processed, as soon as I saw that I called XXXX  XXXX XXXX and told them that the account created was not mine, and that I wasn't the one that opened it. They proceeded to tell me that they didn't have any account open with the info that I provided them- that being my name, the address they used, and an ( XXXX ) number. When I didn't get any answers from them I called Experian and they opened an investigation as well as a freeze on my credit report. On XXXX XX/XX/XXXX I received an email from XXXX saying that a new account was posted on my credit report so I called Experian again and they said that no dispute had been claimed before ; so I opened a new one and made sure it was filed this time alongside the freeze. Today XX/XX/XXXX I received an email saying that they had closed their investigation and that they concluded after talking to XXXX XXXX XXXX that the account that was opened is mine and they can not take it off from my credit report or close it. I called again this morning and re-opened my claim, this time I will have this identity theft report to help me since I didn't have it last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Capital One Bank is reporting a 30 day late on my credit card which ruins my perfect credit history for the next 7 years. There was never a 30 day period where they didn't receive a payment. I called them to get this resolved and they said they allowed me to select the option online to make the same payment as the previous month without telling me that it wasn't enough to cover the amount due and without any sort of warning that it would negatively impact my credit. I only made the same payment I had been making for months and until this is resolved, I'm paying the price for their lack of communication and disclosure. As an alternative, they could gray out the " Same payment as last month '' payment option which would force the consumer to make the payment that would protect their credit OR call in which would give Capital One the opportunity to clearly explain the consequences of making the lower payment before accepting it. Another option would be to simply bring up a disclaimer window that says, " Making a payment for this amount could negatively impact your credit '' and require consumer acknowledgement before proceeding. In either of these cases, I would have made the higher payment to protect my credit. The account is current so Capital One lost nothing and as the consumer, I'm left holding the bag with higher cost in literally every area of life e.g. credit accounts, insurance, utility deposits, etc. The other aspect that actually makes this contrived is that as it stands, due the poor communication from Capital One, they can charge me a higher interest rate for the next 7 years while my score recovers according to our credit agreement. It appears that not clearly communicating with the consumer pays if you're a big bank because I'm sure this isn't the first time this has happened. Their system is set up for this to be their pattern of practice. It is predatory and covert enough that no one may ever notice unless it's reported.
Product: Vehicle loan or lease

I have been paying a little extra on my XXXX  for years. I realized at the end of the loan ( last payment due XX/XX/19) that the payoff amount didn't seem correct. I have been calling and emailing since early XXXX. I was mailed an incorrect payment history. I contacted XXXX and was told to call. The first and supervisory agents appeared to pretend they didn't understand the problem. I think they were trying to frustrate me ( XXXX and XXXX ). Later agent XXXX refused to let me speak to a supervisor. He said he was emailing a corrected payment history. He read off corrected amounts which I verified by my emailed receipts later. I have never received the corrected payment history. I called again and XXXX XXXX said the order was placed for the corrected payment history and that it should come by Monday. I emailed XXXX   Sunday when I received a bill, and they say I have to call. It is Tuesday, and I have no corrected payment history in my email box. I need to see a corrected payment history with my amounts applied and interest reduced each month before I know if the payoff amount is correct. This email/phone calling has been going on for over 1 month. They are harassing me at work with phone calls during the work day even though I told them to call after XXXX CST because I was teaching. I have my phone on for alerts or emergencies. They have called 5 times during the work day yesterday and today. They were told I was a teacher and not to call before XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to correct a late open account with your institution. Despite my persistent efforts, this issue remains unresolved, causing significant inconvenience and concern. 

The late open account, which has inaccurately been associated with my financial profile, is adversely impacting my creditworthiness and financial stability. I first brought this matter to your attention, and since then, I have made several diligent attempts to rectify it through your organization. Regrettably, my attempts have not yielded any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate its inaccuracy. To my dismay, my request was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that this late open account is indeed erroneous. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences of this late open account on my financial well-being. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals.

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive investigation into the legitimacy of this late open account and, if found to be erroneous, its swift removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct this late open account immediately : XXXX XXXX XXXX XXXX : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report on XX/XX/XXXX. 

The XXXX credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The Equifax credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date open : XX/XX/2018 I disputed this, but they came back as verified. This is not mine. I never had a vehicle through a credit acceptance Im asking for it to be removed from my credit report immediately. Im also a victim of identity theft, my report number is XXXX.
Product: Checking or savings account

I was using direct deposit on dasher direct. I received an unauthorized purchase from XXXX XXXX. Its been three weeks and I have not received the payment of XXXX $ the company said theyd pay me. They have not been much help with information regarding when the funds will be available nor asked me for any info of another card to send the money since the card is now disabled.
Product: Debt collection

A debt collection account with Healthcare Collections showed on my credit report for {$2000.00} from a 2017 medical debt. When I called them, they said they were unable to locate an intemized statement and directed me to call the hospital for information. When I called the hospital, they said the bill was from my adult son 's care in XX/XX/2017, but that it seeemd a bill would not have been received in the mail as they had symbols in error on the address line. I was unable to receive further information about this bill, as Healthcare Collections said they didn't have the itemized statement, and the hospital said they wouldn't discuss it with me since it was for another adult. In the meantime, it is on my credit report, and has caused all my student loans to be denied this semester, and will result in my student loans being denied going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Cease and Desist Request Equifaxs Continued Reporting and Third-Party Harassment Dear Consumer, Financial Protection Bureau , I am writing to formally lodge a complaint against Equifax for their continued reporting of inaccurate information on my consumer report and their participation in unauthorized third-party communications. Despite my previous disputes and requests for them to cease, Equifax continues to report negative information related to an account with XXXX XXXX, which has been charged off and is under dispute. 

Details of the Issue : Date of First Delinquency : XX/XX/XXXX Account Comments : Charged Off Account Creditor : XXXX XXXX Credit Bureau XXXX XXXX XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Equifax 's ongoing reporting of this account constitutes harassment and unauthorized third-party communication. This behavior violates my rights as a consumer and is causing significant damage to my credit score and financial standing. 

XXXX Requested : XXXX XXXX of XXXX : I request that Equifax be instructed to immediately cease all reporting related to this account on my consumer report across all media. This includes removing any negative marks associated with the account and ensuring no further information is reported until the dispute is fully resolved. 

XXXX of Further Communications : I request that the CFPB ensures no further communications occur concerning this account, either directly from the creditor or from Equifax. This includes phone calls, letters, emails, or any other form of communication. 

Correction of Credit Report : I request confirmation that the disputed account is marked correctly on my credit report, reflecting its disputed status. Additionally, I request that any inaccurate or unauthorized information be promptly corrected or removed. 

Written Confirmation of Actions Taken : I request written confirmation that Equifax has ceased all reporting and communication related to this account and that my credit report has been updated accordingly. 

Please consider this a formal complaint and request for immediate action to protect my rights and ensure compliance with all relevant laws. I trust that the CFPB will take the necessary steps to resolve this matter promptly. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Americollect is reporting fraudulent information on my credit report for medical bills for my son and me. My insurance took care of the bill for my son and Americollect still keeps reporting it because I paid the creditor directly. I also started making payments to the creditor and Americollect is not showing the amounts that I paid.
Product: Mortgage

I submitted a complaint on XX/XX/XXXX after numerous BILL COLLECTOR calls about my mortgage. I pay my mortgage EVERY MONTH via bill pay. My payments are cashed and then applied to a SUSPENSE ACCOUNT or a UNSPECIFIED account. Some payments are applied to my escrow and NOT my mortgage ... so it appears my mortgage is in default. 

THIS COMPANY IS RUNNING A SCAM. NO DOUBT THEY ARE PREDATORY LENDERS AND WILL BEGIN TO CHARGE DEFAULT INTEREST AT 18 % ON MY HOME. 

This started when they took over my home loan from XXXX XXXX XXXX. They said I owed an additional {$5000.00} on my escrow but could never tell me where that {$5000.00} came from. I agree that escrow payments are modified each year, but not {$5000.00} ... it is usually a couple XXXX dollars more or less. This discrepancy appears to be the amount of my tax payment and it is very possible that Specialized Loan Servicing AND XXXX XXXX both paid my taxes which were due XX/XX/2019 the same month of the loan acquisition. 

THIS COMPANY MUST BE INVESTIGATED FOR PREDATORY LENDING PRACTICES, I AM ON A FIXED INCOME AND SCARED TO DEATH THIS COMPANY WILL BEGIN FORECLOSURE ON MY PRIMARY HOME. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX of XXXX XXXX is not ethical and maybe even more egregious ( and possibly illegal ) in their accounting and sales practices. On XX/XX/21 I bought out my car lease and came in with a pre-approval from XXXX XXXX. XXXX who did my paperwork was told specifically that I wanted to bank with XXXX XXXX. He kept pushing PNC, yet I refused. Unbeknownst me my car loan is with PNC. 

After several attempts to get answers from XXXX, I speak to his superior XXXX XXXX who confirms my loan is with XXXX XXXX. He said he would speak with XXXX and call me back -- that was a week ago. Finally I get XXXX back on the phone today -- and he tells me that they mailed my paperwork to the wrong bank! How is this possible? You can clearly see that in the photo below that I agreed to bank with XXXX  XXXX NOT PNC. 
XXXX did not apologize, he was rather obtuse, nor did he offer any way to fixed the mess he created. He told me I was stuck with the loan although I did not agree to lending with this bank. I tried to speak with someone above him, and not only did I get their voicemails, but the receptionist also stopped picking up the phone ( I called from another line and she picked up ). 

How does PNC process my paperwork when it has another bank 's name on it??
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau and XXXX XXXX XXXX are double reporting a debt. I recently looked at my credit and noticed this debt reporting on my credit file. This is a violation under the FCRA and this must be fixed immediately.
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. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I want to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00}