23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

SELF FINANCIAL/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... .. 

THIS IS INCORRECT.. 

IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH SELF FINANCIAL/XXXX XXXX & XXXX  TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED
Product: Checking or savings account

noticed a fraudulent XXXX charge for {$510.00} on my Ally checking account on XX/XX/XXXX. This charge was not authorized by me, i have no idea who made it or what was purchased. Although the transaction was made through XXXX, it was NOT made through any XXXX account owned by me. Someone must have obtained my debit card info and made the purchase on their own account. I immediately tried to dispute the transaction with Ally, but I was told I needed to wait for it to post since it was still pending. I.e., I had to allow the criminal to finish stealing my money before Ally would try to do anything about it. After the fraudulent transaction posted, I formally filed a dispute. I was told it would take XXXX business days to reach a result. I also contacted XXXX, who refused to provide any information on who made the transaction or what they purchased, even though they obviously have this information in their records. On XX/XX/XXXX, I received notification from Ally that my dispute has been denied. After an hour on the phone they have refused to provide any reasonable explanation for why their investigation sided with the criminal, or even what the investigation entailed. Essentially, Ally and XXXX are both blaming each other and doing nothing to solve the problem. I have now received another letter on XX/XX/year> saying they have determined that the transaction was authorized and correct, which is absolutely is not. Additionally : because my XXXX credit card payment bounced due to this issue, i was also charged a {$30.00} check fee to add insult to injury. I have now been waiting XXXX entire months to get my stolen funds returned to me with no help. Please actually force them to give me my funds. This has been absolutely absurd.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report today without explanation. I routinely monitor my credit, and this is the first time Ive encountered such discrepancies. Even after refreshing the page multiple times, the inquiries remained. I urge you to review the documents Ive provided and address this issue promptly to prevent further distress.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on credit report from XXXX from Bank of America and I did not authorize this inquiry and I worked like Bank of America to remove this fraudulent inquiry from my credit report
Product: Credit reporting or other personal consumer reports

xperian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

The company has sent me a letter for collections of an account that I do not know. The guy they say is on the associated # I do not know. They have failed to cooperate
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies. As outlined under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information included in a consumer report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the treatment of inaccurate or unverifiable information mandates the following : If, during a reinvestigation, any disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must : Promptly delete or modify the information as appropriate.

Notify the furnisher of the deleted or modified information.

Under the Fair Credit Reporting Act ( FCRA ), all items in my credit file must be 100 % accurate and verifiable. Specifically : FCRA 611 ( a ) : Requires disputed items to be fully investigated for accuracy and completeness.

FCRA 623 ( b ) ( 1 ) : States that if the furnishing party can not validate the disputed account as accurate, it must be removed immediately.

Failure to comply with these requirements constitutes willful non-compliance under 15 U.S.C. 1681n, which carries penalties, including potential litigation and damages of {$1000.00} per violation. If these inaccuracies are not corrected or removed within 15 days of receiving this notice, I will take legal action to protect my rights. 

Furthermore, I am a victim of human trafficking and identity theft. Given these circumstances, I am requesting the immediate removal of the following items from my credit report : I appreciate your prompt attention to this matter. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went into Key bank on  XXXX  and  XXXX   XXXX  in  XXXX  ohio  XXXX   XXXX    XXXX   and asked  XXXX   XXXX  about personal loans and lines of credits. I told her I had a  XXXX   credit score  and she told me that did not matter, made me fill out an application then called and denied me for not having a  XXXX   credit score . This was deceptive becuase I would have never had a credit pull if she told me a  XXXX  was required. Now my score is even worse due to this.
Product: Credit card or prepaid card

On XX/XX/XXXX my account with netspend was frozen for the 5 th time this year for security reasons. And money had come out of my account with a closed card from the previous security freeze. On this day I called and closed my account and disputed the charges. 
On XX/XX/XXXX I called them again to check the status of my refund. They informed me it should be here in 5 days. 
On XX/XX/XXXX I called again to check the status. They informed me it should be here in 7 to 10 days of closing the account. 
On XX/XX/XXXX I called to check the status of my refund check. They informed me that my account wasn't closed until XXXX the XXXX th and it would be 7 to 10 business days until I received my check. 
I am a single mother of XXXX. I have had to brough money to get me to this day and still I am empty handed. I work for the state and only get paid once a month. So now I have to brough more money to make it another 7 to 10 days. Can u help??
Product: Mortgage

I am a North Carolina Resident and I believe I'm a victim of Mortgage fraud. In XXXX of XXXX, I applied for a Mortgage loan with NationStar Mortgage. I requested a Conventional loan, but was told by the loan officer that the Conventional loan would not benefit me, so he assigned me to an FHA loan. The process was very messy and took approximately 7months to close. 

I finally closed on XX/XX/XXXX. At closing, I made a down payment of {$100000.00} ( which was approximately 33 % of purchase price ). The purchase price was {$310000.00}. At closing, I had to pay {$3700.00} in upfront FHA fees and to date, I'm paying $ XXXX/month for MIP fees. I was told by Nationstar that I could not use the {$5000.00} earnest money payment I had made as part of the downpayment, so I brought an additional {$5000.00} to closing. I thought that if I put 20 % or more down on a purchase, I could avoid those FHA fees. 

Last year, I consulted with my Closing Attorney because all along, I felt like NationStar committed fraud against me. The Attorney told me that they handled my loan with unethical practices and that I could pursue a lawsuit against them, but it would be costly. I do not have the money, time or energy to pursue a court case against NationStar, so I'm filing this complaint in hopes of some type of restitution. 

Beginning on XX/XX/XXXX, NationStar is increasing my mortgage payment from {$1200.00} to {$1700.00}, which is an increase of {$470.00} per month. 
I am out of work on XXXX, battling XXXX XXXX and can not afford this increase, as I'm only receiving 65 % of my pay. I reached out to NationStar to resolve this issue, but to no avail was not able to resolve it. 

PLEASE HELP ME RESOLVE THIS ISSUE. 

THANK-YOU!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

So, I opened an XXXX Credit card through XXXX XXXX. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. Portfolio will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

Transunion tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

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

This is my second complaint with Experian and XXXX on why these addresses that do not belong to me are reporting on my credit report. Experian is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and XXXX is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX  stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and XXXX car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/16, RGS Financial contacted my mother and repeatedly asked her for my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 Capital one responded back to a dispute i had about an account that was created under my name fraudulently. They investigated and came to the conclusion that the account would be deleted as well as the inquiry that account made. When i called all the bureaus they stated that they dont have that information and the cap1 is still reporting. The account must be removed now because it does not belong to me. PER 15 USC 1681 B YOU ALL ARE BREAKING THE LAW. I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS WRONG INFORMATION THEREFORE IT MUST BE TAKEN DOWN ASAP!
Product: Bank account or service

PNC Bank is fraudulently claiming a member of XXXX XXXX XXXX XXXX made an intentional unlawful withdrawal on a checking account that never happened. When they were notified on multiple occasions of the erroneous application of the charge for withdrawal to the XXXX checking account. The transaction was in fact executed for the withdrawal of {$500.00} against XXXX XXXX XXXX XXXX 's open business line of credit approved the day of, in person, at the local branch office. PNC was informed the repayment for the withdrawal of {$500.00} would be made as per the terms of the business credit line agreement as historically exercised since its open in 2005 ( at the time the withdrawal was made no notice was given of any denial, changes, extraordinary conditions or requirements, nor subordinate rules or procedures initiating as a result, apart or in addition to the terms of the business line of credit in good standing ). 

We believe, in retaliation, and to harm XXXX XXXX XXXX XXXX financially by refusing to correctly account for the withdrawal being made to our open business line of credit, and to negatively harm our credit standing, PNC bank has elected to communicate a materially fraudulent claim to a third party credit collection service and has refused to correctly account for the true nature of the transaction in dispute. We have stated the amount outstanding will be diligently paid under the credit terms existing at the time of the withdrawal of funds. Furthermore, by deceptive accounting of the transaction, libelous claim and potential sale to the third party credit collection agency, along with the additional claim of fees and penalties accruing, PNC is seeking to fraudulently enrich itself at the expense of XXXX XXXX XXXX XXXX, as well as needlessly harm its reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : XXXXXXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX  2. Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the

legally mandated 30-day investigation period. Failure to comply may result in further actio
n to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

XXXX XXXX XXXX XXXX Amount XXXX XXXX. XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed. 

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.