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

I am formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear FTC, XXXX, XXXX, XXXX and XXXX I was sent a letter from XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX. Saying I owe them XXXX and if I do not pay it? It will be sent to the credit agencies and ruin my Credit??? They say I owe XXXX this money! I called XXXX and I owe NOTHING, ZERO! This is scam! They are making this up and trying to ruin my credit. XXXX stated, when I called them, that they will send a letter stating I owe them NOTHING! This is a crying shame that they can do this too people.I do not want that FAKE information to be added to my credit report. This should be a crime? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
Product: Debt collection

XXXX calls my family members repeatedly including my adult children. They call my phone number seven times a day while I am at work. I've emailed and explained that my husband had back XXXX then XXXX XXXX and is unable to work. I've explained that our income has been cut more than half and that as soon as we can pay something we will pay something.
Product: Checking or savings account

I applied for a job on XXXX. I was told i got the job the company added funds to my account and now XXXX bank is telling me this was a spam. And that they was closing my account and i couldn't open a new account. This isnt fair i was a victim of a spam and now i have to suffer. This account is where i received my unemployment at. Now i get double trouble i cant get my check and my bank account id being closed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America charged me a fee of {$12.00} on XX/XX/XXXX. I dispute this fee and request it be reversed. I spoke for 56 minutes to customer service on XX/XX/XXXX, but they refused to reverse this fee. I have been a Bank of America account holder for 22 years and this is the first charge I have seen of this nature. I received no notice of this fee and it is not listed in my Schedule of Fees. I still have my Deposit Agreement and Schedule of Fees from when I opened my account. In 22 years, I have never received an updated Deposit Agreement or Schedule of Fees even though the Deposit Agreement I have says Bank of America will provide advance notice of changes. The Schedule of Fees I have does not mention a XXXX XXXX monthly maintenance fee when my account balance falls below {$1500.00}. After 56 minutes on the phone, no Bank of America representative could tell me when I received advance written notice of this fee. I request it be reversed. It is a shame Bank of America does not value its customers of 22 years.
Product: Credit reporting

On XXXX XXXX, 2016, I filed for Chapter XXXX bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I applied for a loan from XXXX. I was given a rejection with Clarity Services listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed. 

Whoever Clarity Services is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX XXXX of Indiana, is XXXX - identification has been uploaded.
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/year> Amount : {$100.00}
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 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. Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish an account without my written instruction 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section XXXX ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with EQUIFAX through CERTIFIED MAIL my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that EQUIFAX is held accountable for its obligations under the relevant statutes. 
Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

Someone tried to open a credit card account in my name through XXXX XXXX on XX/XX/. I found this in my Identity Alert /Experian. I called XXXX in XXXX to inform them of this issue.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX 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

I authorized a {$100.00} charge on a recorded line to XXXX  XXXX  XXXX  ( XXXX ) XXXX XXXX not only did they charge me {$150.00} as opposed to what I agreed to but refused to provide a refund when they were not capable of providing a service in the time that I needed and that originally said that they could fulfill resulting in me going with another company. I contacted customers bank for my XXXX  XXXX account that was charged. They have not gotten back to me regarding my dispute and I can't speak with a supervisor as my calls seem to always end up disconnected. I would like to be refunded my {$150.00} from XXXX  XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2022
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit card

I contacted American Express this XX/XX/XXXX in regards to a few disputes on my American Blue Credit Card. Which I didnt authorize multiple XXXX XXXX and program which caused a higher amount owed. I spoke with a representative the representative stated that I requested a credit increase in XX/XX/XXXX which didnt sound correct. I requested to speak with a manager and the phone call was disconnected. My credit has increase dramatically, I never been late with my American Express account and I should be eligible for a credit increase as well as an American Express Business Credit card. Please have a supervisor contact me to make sure I should be eligible for an increase or a business credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  My only name is XXXX XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit reporting 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 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I ordered a e-scooter from XXXX for {$2600.00} this was to be shipped on a cargo ship that took two months to arrive two weeks after I ordered this I received an email from XXXX indicating that my delivery is completed and signed for please leave a review for this product this product hasn't even been shipped yet so I filed a dispute for that amount The case was held open for over 60 days and the item did not arrive to me so you closed the case in my favor thank you I appreciate that a week later the product arrived at my home in a large crate heavy beautiful undamaged I would like the merchant to get paid {$2600.00} I called XXXX card member services the following day they said they would release payment in 3 to 5 days it's been about a month I called seven times I messaged on the app to no response everybody just leaves notes on a closed case file and nobody can process this payment to XXXX as I requested seven times I just hung up the phone with the supervisor nobody can provide me with a processor 's phone number the best they can do is leave a message for the processor to call me back in several days and I am unable to speak on the phone when I am working this is a huge embarrassment and I'm ready to change credit cards because of this situation please pay the merchant as I requested over and over and over and over before the poor XXXX salesperson loses his job because you can not pay them as I requested many many many times.
Product: Credit reporting or other personal consumer reports

US BANK Violated my rights in accordance with the Fair Credit Recoding Act. This reporter has violated my rights under 15 U.S. Code 1681 Sect 602, which states that I have the right to privacy. Under 15 U.S. Code 1604 a Sec. 2, also states the consumer reporting agency can not furnish an account without my written instructions, 15 U.S. Code 1666 b a, states, the creditor may not treat a payment on an open and current account as late under any circumstances.
Product: Student loan

I am writing to formally file a complaint against MOHELA, my student loan servicer for federal loans, regarding improper handling of my account and unauthorized charges.

Recently, my loans were placed into forbearance due to the following reason as communicated by MOHELA : " A federal court issued an injunction preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan and some other income-driven repayment ( IDR ) plans. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance ... '' Despite my loans being placed in forbearance, MOHELA charged me {$210.00} on XX/XX/XXXX. I received a notice my loans were placed into forbearance on XX/XX/XXXX and XX/XX/year>. When I contacted them to address this issue and request the return of the money they took, I was informed that it would take 90 days for the funds to be returned. 

I believe MOHELA 's actions in this matter are unacceptable for the following reasons : 1. Unauthorized Charges : The {$210.00} charge was taken without authorization, given that my account was in forbearance at the time.

2. Delayed Refund Process : The 90-day timeline to refund money that was improperly taken is unreasonable and reflects terrible customer service practices of a company that is not being held accountable. 

These actions have caused me financial hardship and unnecessary frustration. I request the CFPB 's assistance in holding MOHELA accountable for their actions and ensuring that the {$210.00} is refunded promptly, without further delay. 

Please let me know if you require additional documentation or details to support my case. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lowered my FICO score in behind of a us department of education but us department of education hasnt gave any information in 4 months so how is it possible its lowering my score but not adding my up to date payments Equifax is mishandling my credit Information and my credit score and has no right to lower my score for no reason
Product: Credit card or prepaid card

I have not used a USBank credit card for years and I have tried to close the account numerous times by telephone and email. The last contact was a telephone call on XX/XX/XXXX, when I actually talked to a real person who said she would close the account. I just received an XX/XX/2022 statement indicating I owe a balance of {$26.00} because they charged me a fee of {$20.00} and a past due fee of {$6.00}. 

We paid the previous invoices ( {$67.00} in total fees charged in 2022, but no purchases ), although we kept trying to close the account, just to preserve our credit rating in case their robot talks to the credit rating agencies robots. 

Why do I have to complain about a spurious {$26.00} bill? A friend told me he fought the same battle for years and the fees keep coming and adding up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Dispute of Late Payments Under 15 U.S.C. 1666 Fair Credit Billing Act Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute late payment information reported to my credit file by [ XXXX XXXX XXXX XXXX ]. The reporting of these late payments is inaccurate and does not comply with the requirements of 15 U.S.C. 1666 under the Fair Credit Billing Act, which governs the timing and proper crediting of payments. The details of the disputed late payments are as follows : [ XXXX XXXX XXXX XXXX ] Account XXXX : [ XXXX ] The payment in question was made on time, but it appears that [ reason for the dispute, e.g., " the payment was not credited promptly, '' " a billing error occurred, '' or " processing delays led to the incorrect report of a late payment '' ]. Pursuant to 15 U.S.C. 1666, payments must be credited on the date received, and billing errors must be resolved promptly by the creditor. I have enclosed the following documentation to support my dispute : Copies of payment records ( e.g., bank statements, canceled checks, or payment confirmations ) showing the payment was made on time. A copy of my credit report highlighting the disputed late payment. XX/XX/XXXX was the released date on the title and also the date I was completely done paying off the loan but XXXX XXXX XXXX XXXX are continuing adding late payments on my credit report on a loan that was never late and paid off a year ago. I kindly request that the Credit Bureaus and XXXX XXXX XXXX investigate this matter, ensure the correction of my credit report, and confirm compliance with applicable federal laws. Please notify me in writing regarding the outcome of your investigation and provide guidance on how this matter will be resolved. Thank you for your time and attention. Should you require further information, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Debt collection

I called the collections agency which is named national credit systems my name is spelled incorrectly according to the landlord. My name should be written as XXXX XXXX XXXX on my paper work. I've also requested paper work from the collections agency and never recived it