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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting

Citi Card. XXXX XXXX. {$27000.00}. 
Citi Bank XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX NV XXXX Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this charge off until a refinance inquiry. 
I have been trying to resolve this account for over two years, and I have not received correspondence from Citi. 
I have continued to make payments without any correspondence from Citi Card.
Product: Payday loan, title loan, or personal loan

This isnt a duplicate complaint. I am XXXX XXXX, a consumer, natural person, and I own an open-end credit plan. Im submitting this complaint myself, there is no third party involved. According to 12 CFR Part 202 - Equal Credit Opportunity Act ( Regulation B ) you, CAPITAL ONE BANK ( USA ), N.A. are in violation. CAPITAL OKE BANK ( USA ), N.A. can not deny me of my right to extend credit for personal, family, or household purposes. The fact you, CAPITAL ONE BANK ( USA ), N.A. using false and misleading deception to make me believe otherwise is another violation. CAPITAL ONE BANK ( USA ), N.A. refuse to do business with me and stole from me. Thats discrimination and theft which makes CAPITAL ONE BANK ( USA ), N.A. civilly liable. Im not asking, Im demanding CAPITAL ONE BANK ( USA ), N.A. compensate me for the damages against me & my consumer report, or I will be forced to take legal action. Last chance to make things right before youre liable for more charges, attorney fees, court cost, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my credit report and it has been well over thirty days without any investigation results.
Product: Debt collection

I apparently had a XXXX dollar debt with XXXX XXXX  XXXX XXXX  that I was never notified about. They sent it to frost Arnett and they called me saying they sent out a letter on the XXXX of XXXX but I never received a letter.
Product: Debt collection

Received call from debt collector stating that an attempt to collect a debt. I politely required an invoice to be mailed to my house with instructions on how to pay. She declined and stated that the acts they get people do n't even know they have them and that she had no further details to offer me. I have not stayed at that apartment she stated in over 5 yrs and that I had no problem paying the money if I truly owed them by providing proof of what the debt was for? She stated I was " staling ''. Which if the representative stated that most debt they have people do n't even know they have it, how can people pay something they do n't even know that they 're suppose to pay?
Product: Mortgage

PennyMac Loss Drafts Claims is holding all of the money to get our home repaired after a mold remediation claim with our home insurance company that has already been settled. All funds have been received and kept by PennyMac since the beginning of XX/XX/XXXX. During this time, we have placed most of our home furnishings in storage and begun moving our pets and ourselves into a small travel trailer n the driveway. These extra out of pocket expenses that would not have been incurred otherwise are adding up. Between XXXX and XX/XX/XXXX, after having submitted all required documents by the contractor they are still misplacing documents and asking for them by phone. Yesterday ( XX/XX/XXXX ) XXXX called asking me for a form for the mold remediation contractor who was finished last year after all of his company 's documents were accepted. After some discussion XXXX was able to find the document in question. What's next? This is not the first time I have received a call asking for documents they already have. It seems they are not capable of keeping and maintaining important documents/records. This concerns me more than you can imagine. I have done everything I'm supposed to do and submitted every document they require and still they have delayed the process yet again. How are we ever going to get our home repaired if we can't pay a contractor? Can they legally keep the money from the settlement? I have never missed a mortgage payment or been late. I am a law abiding, working class man and I've done everything right. I have never felt so powerless and hopeless.
Product: Credit reporting or other personal consumer reports

When I pulled my credit report | noticed unauthorized inquiries on my credit report that I would like removed. I believe that I am a victim of identity theft. The unauthorized inquires are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Account # XXXX valid XX/XX/XXXX Phone # XXXX I mailed a dispute to Experian regarding late payments to XXXX XXXX  Credit Card on XX/XX/XXXX they received on XX/XX/XXXX. I received the results of dispute on XX/XX/XXXX. The date is currently XX/XX/XXXX and there is still no Notice of Dispute on my Experian Report which is a violation of FCRA section XXXX. The fine of {$1000.00} per occurence. Please have the 30 day late payment from my credit report and fine Experian, for blatantly disregarding the FCRA laws. I spoke to the credit card company and they stated that they never received dispute from Experian. Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a text saying there was a suspicious transaction with my XXXX XXXX account and to reply yes if it was valid, no if not. I replied no. 
Then I got a call from a person saying they were from XXXX XXXX and that my account was compromised. They said I needed to open a new account. They asked me to verify some transactions so they had information on my recent purchases which made me believe they were from the bank. 

They created a wire transfer entity called XXXX XXXX Account and told me I needed to fund the new account. I funded it with XXXX and then realized that it was a wire transfer into a Bank of America account. I immediately called my bank to stop the transaction. They attempted to and then a week later told me it failed. I have not been able to get anyone from BofA to help me. 

I contacted the FBI already. This event happened on XX/XX/XXXX and the name on the BofA account was XXXX XXXX.
Product: Debt collection

I called them on XX/XX/2021 after i noticed a debt on my credit report of {$2000.00} i told themI am on XXXX and XXXX that they have paid well over XXXX and who is this from and how can I contat them they told me that they could not disclose this information and that they would let themknow that I was on XXXX. I researched on what they are required to tell me and one of the things it mentioned was the information of the original creidtor I called them 3 times and on all of the 3 seperate occasions they still disclosed the same information that they are not to give me the information as I am XXXX and all my other bills are paid I thought this was a fraud collection agency I did some research and it indicates they are in fact a debt collector agency althought they are they are not following the laws of not disclosing that information to me I feel that they should be reported to you as the Consumer Financial Protection Buereau.
Product: Consumer Loan

I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Bankruptcy XXXX
Product: Student loan

XX/XX/XXXX - My Auto-pay is set up. 
The Amount is " Locked '' to be the Standard payback ( 10 years Amortization ) Their explanation of the payback amount mentions details on payback, one of which is " make an Extra Payment '' - outside of this simple mention of that option there is no where on the web-site to find this adjustment nor how to make this adjustment. 

I want to send an email asking but they post that they are super backed up so do not expect a timely reply. 

I want to call- well, I live overseas so this is difficult though I will try. The point is that I should NOT have to call for this information.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : First Premier Bank, Account XXXX Error : Improper account information reported. 

Original Dispute Submission XXXX It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 
I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Debt collection

I'am not disputing that I don't owe money but I 'am disputing that I don't owe this collection agency. I have no signed contract with this agency.
Product: Credit reporting or other personal consumer reports

FCRA 605B apparently dictates the necessity of removing any incorrect accounts from my credit report. Can you please examine the documents? The inclusion of inaccurate accounts is causing me discomfort.
Product: Credit card

I was about to make a purchase with XXXX XXXX. I was offered an option for Home Depot Credit card with an answer within seconds and no hit to my XXXX XXXX, when I was provided options to pay. I agreed and answered a few questions believing no hit to my credit. Moments later I was approved and just needed to fill in some information. I answered the requested information to be informed they would let me know their decision. Wait! I was approved. I got notified that I had a new inquiry on my credit report. Lord and behold its XXXX XXXX. They then send me a letter stating I was denied because they couldnt verify my income. I called because it was never supposed to hit my credit score and I was already approved. The last wasnt helpful and stated this happens often. I feel something needs to be said. This is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reporting several times to XXXX that an item on my report from XXXX XXXX was fraud and not my account. I want this item removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : PORTFOLIO RECOVERY # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

The List of inquires 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 XXXX XXXX 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. 

I looked at my Equifax 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 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 reporting, credit repair services, or other personal consumer reports

I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.
Product: Bank account or service

I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.