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

My name is XXXX XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with Metro 2 standards and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Reporting Agencies : Experian, XXXX, XXXX Violations Identified : XXXX. Inconsistent Reporting of Balance and Status o XXXX shows a balance of {$0.00}, while XXXX reports {$120.00} owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols. 
XXXX. Non-Uniform Reporting of Late Payments o The account shows XXXX late payment markers inconsistently across bureaus. 
These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information. 
XXXX. Incorrect Comments and Status o XXXX has marked this account with a comment indicating " Dispute Resolved - Reported by XXXX, '' while Experian lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623. 
XXXX. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within XXXX days of receipt of this letter, you : XXXX. Rectify and synchronize the account balances and late payment records across all reporting bureaus. 
XXXX. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated. 
XXXX. Ensure that all comments and account statuses are consistent across Experian, XXXX, and XXXX. 
XXXX. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you in advance for your assistance. I have been trying to get this issue resolved with Transunion for some time now. I notified them that some has been trying to open accounts with XXXX XXXX, XXXX, and XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by this company that a credit card was opened in my name, and was being mailed to a different address. I asked them to stop the card and close the account, because that was done fraudulent. I also asked that the inquiry be removed from my account. I was told that it could not be. Which is wrong accounting to the credit laws on fraud. I mailed them a letter that was returned. ( Photo enclosed ) I am requesting that this company remove the inquiry asap from my credit report, and send me a letter stating that everything was closed and removed.
Product: Mortgage

I filed with Bank of America Appeals Intake, fax XXXX Re : request for reevaluation of loan # XXXX on XXXX/XXXX/17 ( despite auto update of fax date on copy of letter ).
This was consistent with the request on p. 3 of the attached letter dated XXXX/XXXX/17 ( the denial letter ). I maintain that my fax of the letter was consistent with the BOA request that I send my information by fax and my desire not to communicate with BOA over the phone since there have been numerous inconsistencies between what I have discussed and what is actually done.
Now BOA is saying they had no requirement to respond since I did n't make the phone call as specified also on p. 3. I believe this continuing the practise of BOA to despite the ruling of Case Number : XXXX Filed : XXXX/XXXX3/2017 in the US Bankruptcy court which held in Doc # XXXXthat loan request were " routinely either lost or declared incomplete or stale or in need of resubmission or denied without comprehensible explanation. ''
Product: Mortgage

I was contacted by Loan Depot about refinancing my current loan in XX/XX/XXXX. I spoke with them and decided to put in an application which included a {$20.00} fee for them to pull my credit report. The charge hit my VISA card on XX/XX/XXXX. I was told the process would take 2 months or less. 

In XXXX, I received another call from Loan Depot where they stated that I could receive a lower rate. I told XXXX ( the sales rep ) that I had a pending application from XXXX and he told me that it had been " cancelled '' because no loan takes two months to close. He offered me a lower rate and I agreed. He told me that since my loan was cancelled, I would have to pay another credit report fee to get the new rate. I disagreed, but permitted him to move forward so that I could get the better rate. A second charge of {$20.00} was placed upon my VISA on XX/XX/XXXX. 

XXXX called me later and admitted he made a mistake, but I would still be eligible for the lower rate on my original loan. I still have his message recorded. I later came into contact with XXXX XXXX, Production Manager, who said he would honor the lower rate and provide a refund of the second credit report fee charge. 

After not receiving the refund, I contacted Loan Depot 's Customer Service and left a message requesting a refund. I received an email response from XXXX XXXX Customer Care Representative, but have never received my promised refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Investigation and Removal of Hard Inquiries Under Section 611 ( 15 U.S.C. 1681i ) Dear Esteemed XXXX Team, I am contesting the information on my credit report that I believe is not correct. Specifically, I am disputing the hard inquiries listed on my report that I did not authorize. In accordance with Section 611 ( 15 U.S.C. 1681i ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into these inquiries, CAPITAL ONE AUTO FIN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, CAPITAL ONE AUTO FIN XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, CAPITAL ONE BANK USA XX/XX/XXXX, all creditors will be tagged also. 

The information provided has not been proven to be true, correct, or verified as required by law. Under FCRA guidelines and XXXX XXXX format standards, you are required to ensure that all information in my credit report is accurate, complete, and verifiable. Without factual proof of permissible purpose from the creditor, these inquiries can not remain on my report. 
I am specifically challenging the reportability of these hard inquiries based on the following : XXXX. You must confirm that the creditor had a permissible purpose under Section 604 of the FCRA ( 15 U.S.C. 1681b ) to access my credit file. 
XXXX. Provide physically verifiable evidence that these inquiries were authorized by me. 
XXXX. Demonstrate compliance with all FCRA and XXXX XXXX reporting standards, ensuring that the information you are reporting is accurate, valid, and compliant. 
I demand that you remove any inquiries that you are unable to verify as accurate and authorized. Additionally, I request that you provide physical proof of the following : Evidence showing the creditors permissible purpose for the hard inquiries in question. 
Documentation of the steps you have taken to investigate this matter and your findings. 
If you are unable to verify the inquiries as compliant, accurate, and valid within the legally mandated timeframe, I expect their removal from my credit report immediately. I also request that you mail me a copy of my updated credit report reflecting these changes to help me stay informed about the progress made. 
It is your responsibility to ensure that all information in my credit report is certified as true, accurate, and in compliance with applicable state and federal laws. Failure to do so makes the reporting of this information questionable and potentially unlawful. 
Thank you for your judicious attention to this matter. I look forward to receiving confirmation of the actions taken and an updated copy of my credit report. Should you require additional information from me to proceed, please let me know promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently went through XXXX XXXX to obtain a HELOC loan to consolidate existing debt. Not to take on any new debt. I was successful with that and obtained the loan. As a result of me consolidating that same/ existing debt, my credit score dropped well over XXXX points with Transunion and XXXX XXXX XXXX I contacted both the bureaus and neither one of them could provide an explanation as to why after reviewing the report with me via phone. They both said that they would submit a research request to have this looked at. To date, I haven't heard anything from either of the them. My XXXX report seemed to not have changed. The irony is that 6 months prior to my obtaining this HELOC loan, I obtained a regular UNSECURED loan to consolidate debt and my credit score rose significantly. Bear in mind that I could only borrow so much in an unsecured loan. Which is what prompted me to get a HELOC loan to consolidate all existing debt, lower interest rate, improve debt to income ratio, and improve financial picture. My score shouldn't have dropped. There has NOT been any types of factors with my credit that would've caused this ( ie. judgements, collections, late payments, charge offs, etc. ) I need this fixed and addressed immediately please. I have attached what my credit score shows as of right now. Prior to debt consolidation, both scores were above XXXX. Thanks for your help
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction
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Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized inquiry from my credit report. I never authorized such action and this constitutes a violation of my rights under the FairCredit Reporting Act 604 as well as a violation of my rights to privacy. 
The inquiry is listed as follows : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for credit with the above creditor or authorize anyone else to inquire about my credit on my behalf. Therefore, I request that this unauthorized inquiry be promptly removed from my credit report, According to the provisions of 612 [ 15 USC 1681j there should be no charge I have several supporting documentation that may assist you to verify my identity of this matter. 

I understand that under the Fair Credit Reporting Act, you are required to investigate this matter within 30 days of receiving this request. I request that you notify me in writing of the results of your investigation and provide me with a revised copy of my credit report reflecting the removal of the unauthorized inquiry.
Product: Credit card

Regarding my now closed barclays arrival credit card. 

This is now the 4th time I've tried to get this resolved before I contacted a regulator. 

XX/XX/XXXX : fraudulent charge at XXXX on my Barclay arrivals card in amount of {$160.00}. 

XX/XX/XXXX : I logged into my account and noticed this fraudulent transaction notified barclays via customer service, spoke to two people including fraud department, was told there was nothing more I needed to do and transaction would be removed since fraud. 

Fast forward to XX/XX/XXXX, the fraud transaction posted XX/XX/XXXX. Received letter from barclays it was fraud and I wouldn't be responsible, but still have {$160.00} on my statement. 

I cal barclays again XX/XX/XXXX speak to two people including fraud department and let them know still not removed and now {$160.00} is due XX/XX/XXXX. I tell them it needs removed asap because it's fraud again and I won't pay for something that fraudulent and not sure why they let it post and still haven't removed it when I told them right away. They tell me to continue making minimum payments, no I won't. This is fraud you guys need to do your job. She says it will be removed within 24-48 hours. It's now XX/XX/XXXX which is 72 hours later and still not removed. I also write customer service via secure message and am told a manager would call me, nobody called. Cfpb needs to keep barclays accountable. I'd hate for my XXXX  or someone who is not tech savvy to have to deal with this. How mant times do I have to request they remove the fraudulent transaction? {$0.00} fraud liability means exactly that, I don't pay for fraud on the credit card. Especially given I let you know immediately, you should not have even allowed it to post. Refund the {$160.00} and do not charge me any late fees or interest. I won't pay for your incompetence.
Product: Credit card or prepaid card

Found charges for " card security '' on an Amazon synchrony card that I never enrolled for. They said a box was checked when I signed up for the credit card - I never checked a box requesting this. The company refunded the charges for XXXX - but apparently have been charging them since XXXX. I was told a supervisor was unavailable but one would call me back within 24 hours on 2 occasions and no calls were received back. Third time I called I was still told there was no supervisor I could speak with I requested to hold until a supervisor could be located. I was on hold for over 50 minutes and was told they could not help me.
Product: Debt collection

Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.
Product: Mortgage

RoundPoint 's failure to address ethnic names in its computer systems and its corporate policies fail to address Diversity, Equity, and Inclusion resulting in clearly discriminatory practices to its borrowers and I expect to be treated with respect and professionalism without having my name botched and distorted, regardless of my ethnic background or cultural identity. 

RoundPoint 's computer systems inability to recognize or properly display certain ethnic names can lead to incorrect data entry and documentation and can cause significant inconvenience and even financial harm to its customers, as it can result in delays or errors in processing important mortgage-related documents. 

I believe that as a company, RoundPoint has a responsibility to ensure that its systems are designed to accommodate the diverse range of names that exist within our society. It is unacceptable that customers have to endure such issues due to the limitations of its computer systems. In addition to it, the customers do not have the ability to call and have this problem resolved but have to spend the time sending a letter to address something that the company should have addressed when they decided to take on the servicing of loans from a wide range of ethnic groups. It is absolutely appalling that its ability to enter customer names still follows the XXXX naming convention.

I believe it is important for CFPB to take immediate action to address this issue and ensure that RoundPoint 's computer systems can properly recognize and handle all ethnic names. It is essential that its systems are designed with inclusivity and sensitivity to the diverse backgrounds of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS XXXX DOB is XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXXI am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

XX/XX/XXXX, my mortgage loan was bought by M & T.l In XXXX I discovered they never pay my home insurance from escrow because I received a bill from the home insurance company. This is because M & T assigned me their insurance at an higher rate. In XX/XX/XXXX M & T increased my monthly payment from {$2200.00} to {$3500.00}. This was due to an shortage in my escrow. After struggling to make XXXX and XXXX mortgage I reached out to M & T for explanation as to why such a large storage. At first they claimed that my tax rates went up only by a few dollars not thousands. Then they stated there was an lean on my property. This was false. Then there was an outstanding water bill. I reach out to my water company also the county tax departments. There were no proof of any outstanding bill from the water or tax company. Today, XXXX of XXXX M & T continues to force me to pay an extra XXXX more on my monthly mortgage. I was serve with pre foreclosure papers.
Product: Debt collection

I'm being billed and reported for a charge from XXXX XXXX XXXX XXXX for a {$660.00} dollar bill for a person who was not my child. I've provided 3 written disputes directly to the collection agency and they have failed to adhere to FDCPA practices by acknowledging and responding to my direct dispute. I've called on 1 occasion, and was talked to with actual curse words and then hung up on.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 6 ( o ) ( 2 ), I assert my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ) ( also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have reviewed my credit report, and I have identified inaccuracies regarding late payments reported by XXXX XXXX The late payments reported are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I have the right to ensure that the information reported on my credit report is accurate and up-to-date. Under 15 USC 1681 Section 6 ( o ) ( 2 ), I am entitled to privacy regarding the information contained in my credit report, and any inaccuracies can have significant consequences on my financial well-being.