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

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Payday loan, title loan, or personal loan

I have an active car loan with Ally Financial. I need to get copies of my statements from 2019 and the company said there can only provide statements from the last 6 months. This is unacceptable and I should be able to have access to any records regarding my active account.
Product: Debt collection

The company Debt collector Paramount Recovery SYS reported on my credit on XXXX XXXX XXXX a collection of {$1300.00}. This company never contacted me, never sent me a letter of information stating that I owe any amount of money to tell, how to dispute or even how to pay it. I send a letter to this company and never got a response. So I gently request this collection to be taken out of my credit report
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this is my second attempt to send this FTC document regarding unauthorized credit inquiries. Despite the FTC report being valid, XXXX has claimed it to be invalid. This matter is now being forwarded to TransUnion, and I request that you monitor this situation closely for any negligence towards my request. 

Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities. 

Attached to this letter, you will find a copy of the Identity Theft Report filed with the FTC, which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that XXXX addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances. 

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

I have been contacting the consumer reporting agency EQUIFAX since XXXX XXXX. I have alerted them that the hard inquiries on my consumer report are inaccurate and should be removed promptly from my report as this has affected me tremendously in a negative way. I have received several letters from Equifax asking me for proof of identity and also have confirmed my address with them over the phone. They still continue to send the same letter to my address that I confirmed asking me to confirm my identity and still continue to have this inaccurate info report on my consumer report. I have letters from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year> and XX/XX/year>. This is disturbing because they are sending me letters to my address asking me to confirm its my address. This breaks FCRA laws and puts me as a consumer at a disadvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and have had a fraudulent personal loan, and credit card that has been opened in my name with your company Pnc Bank. I didnt consent, authorize, apply, nor request for this fraudulent credit card/personal loan to be opened in my name. The address, phone number, and to these accounts on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a Debt Validation Letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that Pnc Bank has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act,  the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Pnc Bank for intentional infliction of emotional distress and at the other diminishes of the quality of my life. These 2 fraudulent accounts need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my FICO score by 23 points twice within the last three months. In that time my financial information and status did not change. Not one of the variables changed for which a FICO score would be proportionately impacted. Credit card utilization, credit hard inquiries, payment history, variation of debts used have all been relatively the same, yet my credit score dropped 23 points on XX/XX/XXXX, and after going up 23 points on XX/XX/XXXX dropped again on XX/XX/XXXX for no apparent reason. If Credit card utilization, credit hard inquiries, payment history, variation of debts used have all been relatively the same there should not be any change in my FICO score. Given that my FICO score has had an upward trend in the last year, it seems that the apparent method being used to calculate my credit score is inconsistent. If any change, my financial status and the upward trend of my credit score should be reflecting an increase in the FICO score, not drastically dropping my score. The scoring model is inconsistent and does not keep to a standard.
Product: Checking or savings account

I opened a relationship checking account on XX/XX/2023 with BMO Bank online. The application was completed successfully and during the application I funded the account with {$35.00} from my XXXX XXXX XXXXXXXX account. Upon completion of the application, I was given an account number and routing number immediately on the website. So I went ahead and changed my employer direct deposit to the account number and routing number provided by BMO bank. I then immediately enrolled in online banking and was able to login and confirm my new checking account was showing on that same day. 

The next day, XX/XX/2023 I logged in to BMO online banking again. This time I noticed my new checking account disappeared. I attached some images to show what I see when logging in from then until today. 

The initial {$35.00} funding for the BMO checking account posted on XX/XX/2023. I confirm the funding amount was debited from my XXXX XXXX XXXXXXXX account. On XX/XX/XXXX, my direct deposit from my employer also posted to the BMO checking account in the amount of {$2200.00} I reached out to BMO bank customer many times using the customer service phone number. They claimed that they could not access my account no matter who I talked to. They see my profile but no account tied to it. They also denied receiving my initial funding and direct deposit. After many more phone calls, they eventually recommended that I go into a physical BMO bank branch. 

I went to a BMO bank branch on XX/XX/2023. The associate named XXXX XXXX there was very helpful. She somehow was able to pull up a screen on their banking system that showed that my account was indeed initially funded with {$35.00} and also received a direct deposit of {$2200.00} on the dates I specified earlier. I have a printout of this sheet that she kindly provided me. She opened a new dispute case for me with case number : XXXX I was told they would look into it and that someone would reach me via email or phone call for an update. So I waited almost a week, but there was no update. Yesterday I reached out again to the customer service number and they said they couldn't access my account nor the case that was opened. I went through three different representatives who couldn't help. They suggested a branch visit again. 

Today I called the BMO physical branch location again to attempt to escalate the case hoping for a resolution but the manager was not available. The person I spoke with said to call back tomorrow. Today marks day 17 from account opening where I haven't been able to login and access my account. 

On XX/XX/2023 I scheduled a transfer from the BMO checking account to my XXXX account to test whether I can access my funds from an external bank. This transfer is still pending. 

The resolution I would like to obtain is this : make the exact same BMO checking account I opened accessible again from my online banking login and restore access to my checking account so I can login, view and access my money. I do not want a new checking account. I want only the same checking account that I successfully opened before with the promo code still tied to it to be accessible again.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ),  Equifax, XXXX, & XXXX  have not investigated or responded to disputes of my credit report.
Product: Credit card or prepaid card

I had my Citi AA MileUp card for a year. When I got the card ( XX/XX/XXXX ) and last month via agent Chat, I was advised that after a year I could convert the card to the AA Platinum Select Card. When I called to convert the card on XX/XX/XXXX, I was advised that my {$1000.00} Credit Limit was not enough and had to be increased to at least {$2000.00} to convert. The representative requested an increase which I was denied for. The denial reason ( received notice via email on XX/XX/XXXX ) was that the account hasn't been open long enough to be considered for an increase. I have spoken to multiple agents who stated that I should have been eligible to be considered for an increase after 6 months of having the card yet I have gotten this denial reason several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). After speaking with a total of 7 agents, another agent tried to request credit line increase on the same day and I got the same denial reason : account hasn't been open long enough to be considered for an increase. Therefore, I was refused the conversion to the AA Platinum Select Card and denied a credit line increase. However, when I applied for the AA Platinum Select Card on my own on the same exact day, I was approved with a {$6500.00} credit limit so it makes no sense as to why I was denied the conversion to this same exact card AND denied a credit limit increase to {$2000.00} ( up from {$1000.00} ) to complete the conversion. I have never been late or went over the credit limit so that can not be the reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an extension of credit by XXXX XXXX. On XX/XX/2022, I applied for XXXX XXXX XXXX XXXX XXXX 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Credit card or prepaid card

XXXX ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on Barlclay card ending in account # XXXX. I contacted Barclay and let them know that I did not give permission to be added as an Authorized User and that I need to be removed from this account. I have also contacted the bureaus to fix this issue but they have not fixed it yet. The negative information is harming my credit score.
Product: Credit reporting or other personal consumer reports

I reported that this account was opened fraudulently. I set a copy of a XXXX report and neither company took it seriously or into consideration. On my Equifax report, there is a duplicate account on my report. The account reporting is incomplete and this is a fraudulent account. Living in a college town such as XXXX after the pandemic left many people XXXX. XXXX and younger adults would do anything including miss using someone's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian a total of three times to dispute inaccurate reporting on my credit report by my student loan servicer. 

The dates I have contacted Experian to file a dispute are : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The disputes in XX/XX/XXXX and XX/XX/XXXX were initiated by me through the Experian XXXX app. The XX/XX/XXXX dispute was taken over the phone by a dispute specialist. 

Each of the three disputes have consistently presented the same narrative : my account is being reported as 90 days late during a period of Income Based Repayment with a payment amount of {$0.00} due. 

I have submitted statements to Experian as part of the XX/XX/XXXX and XX/XX/XXXX disputes which reflect that no payment was due during the alleged 90-day delinquency in XX/XX/XXXX. 

I was unable to upload new evidence to the Experian consumer upload site because the files were too big on the first attempt. This caused the website to display an error message on further attempted uploads and also for any other sessions. 

The results from all of my disputes return with no change being made. The reason is because my student loan servicer has certified to Experian that the information is correct and as a result would remain. 

This is a boilerplate response and I do not feel that individual human attention has been given to my dispute. If that were the case, Experian could clearly see that it is not possible for my student loan account to be delinquent when no payment has been due multiple years prior to and after XX/XX/XXXX. 


I am aware of my rights if I disagree with the results. However, the remedies that are listed on my report are not available. I can not submit a statement of disagreement to be listed on my report nor have I been able to obtain the method and details of how the investigation was conducted. 

This is the ONLY delinquency on my report and as a result, my score and credit file are suffering. This impedes my ability to obtain credit which is causing me to suffer a loss. 

Experian should stop acting in favor of the student loan servicer and instead conduct investigation in a neutral format as they are legally obligated to do.
Product: Money transfer, virtual currency, or money service

About 1 month ago I was contacted by a XXXX female on social media ( XXXX ) who pretended to be interested in me. she sent me photos on XXXX, and I sent her some of me. then she wanted to do video chat she was talking about love within a week of chat. I was like wow slowdown that's when I suspected that this may be part of a scam. But I played along then she wanted to help me make a good investment. she said she was a crypto assets manager in XXXX, and she would be flying into XXXX Fl. next month and I should meet her there if I want to. But I'm in XXXX. Now she wants me to open an account with XXXX  and I should put {$520.00} In a certain crypto that is in the primary market like XXXX she said. stating it was digital love day in her country on XX/XX/XXXX which was the next day so that's why I should put {$520.00} on an investment so it can be the first thing we do together. So, the next day she walked me through the application process, and I was careful not to share any sensitive info with her but when I had trouble with the opening of my account, she started getting pushy and that's when I told her that I think she was trying to scam me somehow, she lost interest in me really quick and told me off XXXX XXXX XXXX XXXX. I said OKAY bye. and I thought that was it. then I made the mistake of going through with the opening of my account with Gemini except I only deposited {$100.00} not {$520.00} well as soon as I made the deposit may  account was frozen when I noticed it was frozen the next day, I contacted support and we went through a lengthy process of revalidating my identity and documents and authenticator, but we finally got the account unfrozen only to find it frozen again the next day. and it has remained frozen since. about a month of emails ( over 60 emails ) more validating and authenticating but they don't unfreeze my account I provide everything they ask for and they still don't unfreeze my account. all the while my balance is shrinking. they use the term frozen when in fact it is not frozen if I am accruing losses to my balance its more like a lock out of my own account.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 'm XXXX years old. I have a full time steady job and make XXXX. I pay no rent and do n't have many bills, I 've been trying to get a car for a while but my credit score always says XXXX not bad or good but just XXXX I need help I really need to get a car I have money for the down payment and monthly payments I just need some sort of credit to help me
Product: Debt or credit management

Received letter from Radius Global Solutions LLC dated XXXX XXXX. Radius reference number XXXX. They said they are trying to collect a debt from me. From a XXXX XXXX XXXX. account number XXXX. As of XX/XX/year> you owe XXXX. I called them on XX/XX/year> at XXXXXXXX XXXX local time. After I provided them with the reference number, they asked me for the last four numbers of my SSN and date of birth. I refused. I said I dispute this debt because this is not my debt. They said they could not proceed unless I give them this information. I hung up.