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

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile.To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

Did not give written consent to Inn Exeter Finance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with Exeter Finance.
Product: Credit reporting

Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.
Product: Credit reporting

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX on XX/XX/ violated my 609 rights by reporting incorrect information to XXXX, XXXX, and Experian, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies XXXX, XXXX Experian, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.
Product: Mortgage

I was approached by Amerisave company to refinance my home .After they asked me all the questions about my finances check my credit score got the information about my annual income and my debt they told me that I qualify for the loss rate the only thing I need to do is be {$500.00} for an application fee. Once I paid the {$500.00} application fee and my home appraised higher than expected all Of the sudden they say I do not qualify for the promised rate. I only qualify for much higher rate and interest so I either refinance with them on theRe terms or they will not return my {$500.00} application fee. Even though I specifically made sure that I qualified before I payed and the assured me of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with the loan company name CAPITAL ONE AUTO FINANCE, was opened on XX/XX/2016 was paid in full. In according with the federal credit reporting act this crederel has violated my rights under 15usc 2681 section 602 states I have the right to privacy. 15usc 1681section 604A section 2 it also states that consumers reporting agencies can not furnished an account without my written instructions.under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any reason o purposes. I had paid in full and no longer owed anything to the above company mentioned before
Product: Credit reporting or other personal consumer reports

Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per XXXX XXXX, I am requesting their removal within XXXX days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I found a fraudulent accounts on my credit report
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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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 generallf, after any reinvestigation under paragraph ( 1 ) 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 card or prepaid card

ON XX/XX/XXXX, I the consumer XXXX XXXX was denied credit with BP BUSINESS SOLUTIONS UNIVERSAL CARD. BP XXXX XXXX VIOLATED THE EQUAL CREDIT OPPORTUNITY ACT. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant 15 USC 1602 ( L ) making BP XXXX XXXX  an assignee pursuant to 15 USC 1691 ( XXXX XXXX. I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j.I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 XXXX a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 15 USC 1691c-XXXX states that Any applicant for credit may refuse to provide any information requested pursuant to subsection ( b ) in connection with any application for credit. The underwriter has limitations Where feasible, no loan underwriter or other XXXXfficer or employee of a financial institution, or any affiliate of a financial institution, involved in making any determination concerning an application for credit shall have access to any information provided by the applicant pursuant to a request under subsection ( b ) in connection with such application. THEY BROKE THE LAW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activity. However, there remain items that require removal. This marks my second complaint regarding being a victim of fraudulent activity, and I dispute certain inaccurate information, accounts, and inquiries in my file stemming from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly REMOVE any items in my credit file resulting from alleged fraudulent activity. Please refer to my new FTC report # XXXX for the specified items per bureau below : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  is Obligated by the FCRA to report accurate accounting consumer has advised all the inquiries reported was fraud said company had 4 days according to law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX  to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX  has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature, consumer is not asking for an XXXX report. If XXXX  does not have documentation to show these were in fact authorized it must be removed asap.said comXXXXany is liable underwhelming XXXX to follow certain rules. XXXX XXXX file numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will be filling form XXXX XXXX XXXX forms to audit consumer account. XXXX  is securitizing consumer data yet refuse to provide consumer a copy of their consumer file not consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has now defamed my character saying that I doctored paperwork which is completely against my character I have been a victim of Identity theft I sent over all the necessary documents the payment obviously didnt got to them so of course the email reciept would be from the " XXXX '' company that received the payment I proved that my bank issued the payment and my proof that I recieved in my compromised email I should neot be held accountable for being a victim of Idendity theft. My deferment stared in XXXX of XXXX so there is no reason why rhey are charging me for a late payment on my consumer report it has caused me severe harm and injury and when the XXXX 'S UPDATE IT XXXX  GOES BACK AND REPORTS IT WHIC HAS DEVASTATED MY CONSUEMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts with XXXX  and TransUnion for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail XXXX Numbers XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the Accounts XXXX XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXXXXXX XXXX # XXXX XXXX they are reporting to Transunion and 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 agency can not furnish a account without my written instructions
Product: Checking or savings account

When I requested the documents they were asking me questions about why I wanted to request them. Not that it's their business but I registered my new business and I needed them for tax prep after refusing to mail them to me told me they would email them to me I do not feel comfortable then being in my email account it's not a secured endpoint and requested that they did not send them to my email I need them printed out on paper and sent to me I was never given anything that told me that I was waving my rent to request those financial documents so I figured it was perfectly fine too and after asking each and every manager they had but still told there's nothing they could do they can only email. I don't think it's right if you trust it an establishment with your bi-weekly income and they can't give me my statements on paper so I can go properly through all the transactions pick out the unauthorized charges. and inform them of the purchases that I did make. And aren't showing up especially if they're related to my business..
Product: Credit card or prepaid card

Fraudulent Activity on my Pre-Paid Unemployment card over 6 weeks ago. Complete run around since. On XX/XX/XXXX I called and reported fraudulent activity on my pre-paid unemployment card. I went to bank the morning of XX/XX/XXXX to withdrawal my weekly benefit and to my surprise it had already been withdrawn. I then called the fraud department of BOA who took my statement closed the card and said they would reissue a new card and that i would be given a provisional credit within 7 business days. Well i never received credit! I did receive new card which worked for 1 week only and then i was told XXXX froze the card. I have since spoken to XXXX whom asked me to send appropriate documentation to them which was done on XX/XX/2021. I confirmed receipt with them on XXXX, 2021 in which they said they sent over documentation to Bank of America on the freeze tracker form. Well here it is XX/XX/XXXX another day of contacting BOA customer service, claims, and that fraud department. As well as contacting Nevada XXXX who once again tell me that i have done all that i can and that they sent everything to Bank of America so its it their hands. Another day of XXXX  telling me they don't know why BOA unilaterally instituted a policy that required XXXX  to check recipient 's identity after they report fraud. So first i get robbed via an ATM i have never been to and then it continues with me being re-victimized every week by BOA. Not only does BOA claims department refuse to work on my claim until my account is unfroze, i can not access any money in the account and Nevada XXXX  keeps depositing money in the account weekly and I can't access that either. I have been on an endless loop of calling BOA claims, customer service, and BOA and XXXX fraud department. I have done all i have been asked to prove that i am who i am. Meanwhile another week passes with BOA stealing my money again. Today i was transferred 16 times within BOA and nobody knew a thing on what to do. I would just like some real help in getting access to my account and monies and having my stolen funds returned. I hope someone and BOA Corporate knows how to help. I am also going to file a complaint with the Consumer Financial Protection Bureau as i have no idea how BOA is able to unilaterally institute a policy that absolves them of responsibility for adhering to Fair Credit Billing Act, which requires that i get a provisional credit within 20 days while claim is investigated. but, not only have i not got this by law mandated credit but BOA claims will not investigate claim while my account is frozen.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION ON MY CONSUMER PROFILE TO THE FOLLOWING INFORMATION STATED THE PERSONAL INFORMATION DOCUMENT ATTACHED. PLEASE DELETE ANY ADDITONAL ADDRESSES AND EMEPLOYMENY HISTORY ON MY PROFILE THAT ARE NOT MENTIONED IN THE ATTACTED DOCUMENT.
Product: Credit card or prepaid card

Charged for XXXX XXXX XXXX XX/XX/XXXX that was cancelled XX/XX/XXXX. Submitted dispute XX/XX/XXXX stating premium care was cancelled and charge be reversed. Never received response on dispute in accordance with Reg Z. Billed {$1.00} Late fee on XXXX Statement and {$3.00} late fee on XXXX statement. Account was on autopay, but payment never taken.
Product: Checking or savings account

I bank at chase, I regularly transfer from chase to XXXX XXXX  using their ACH platform. This has been going on for about a year if not longer. 

Today I transferred XXXX via XXXX from XXXX XXXX XXXXXXXX to Chase and then transferred the same amount to XXXX XXXX using their ACH platform. 

After a few hours I received a call from Chase 's fraud department, after verifying my identity using public records they informed that the transfer will not go thru. 

This is unacceptable as the external account have already been verified by chase. 

Chase is unlawfully holding onto my money for no reason and this needs to be addressed and stopped as they probably do it to other clients.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital System, XXXX XXXX, MN XXXX ( XXXX ) XXXX acquired a collection from XXXX. They stopped calling because I informed them this was included in the bankruptcy which is already reported on my credit report. I've disputed it numerous times via XXXX and XXXX but they are not correcting things. This is a violation for this company to be reporting this collection when it was included in my bankruptcy.