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

FCRA violations : inquiries not mine XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Record until XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX Potentially negative opened XX/XX/XXXX Balance {$620.00} Status Paid XXXX XXXX XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$640.00} Status Account charge off XXXX XXXX XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$0.00} Status Closed FCRA violation : not my name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I noticed some unauthorized inquiries on my TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Numerous Credit inquires against my credit in last few days that i did NOT make ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America quoted a wrong credit score to close my account. Several weeks later, BoA sent a letter apologizing for the wrong closure of my account due to a wrong credit score. Because my account is closed, I have lost over 10,000 points.
Product: Consumer Loan

I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.
Product: Debt collection

HI ERC & XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX : XXXX and XXXX XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm getting no help at all with this account that was part of my identity theft case. I'm so stressed out trying to fight the credit bureaus and i don't know what else i can do.
Product: Credit reporting or other personal consumer reports

I received a notice from Experian that I had updated my First Name, Middle Name and Last Name. I had not updated any of these. I logged onto my account to see that my first and last name were still correct but my middle name was not. I then : 1. Tried to correct the information on my account on Experian.com ; it would not allow me to do so. 
2. Called Experian at 3 different numbers ( XXXX, XXXX, XXXX ) all of which were automated responses that could not help me and would not transfer me to a representative to correct my information. 
3. Chatted with a chat bot on XXXX which could not help me and recommended I FAX my information to them for help. 

I will not FAX personal information. Isn't that the reason there is fraud??!!!! Experian needs to have a better way for consumers to contact them in order to remedy these problems.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have attached an affidavit detailing my statement on this matter as well as a screenshot of my cell phone showing I never received a wire confirmation. 
It is abundantly clear that someone hacked the credentials to my account, logged in, updated the contact information, and executed a wire without my knowledge. This should not have been possible if Chase had adequately secured my account. 
I reject the decision that I executed this wire and received " goods or services '' in return. I demand this case be reconsidered and my money returned to my account. I do not understand how you can assert I received goods or services and yet not provide any proof to that effect. I also do not understand how someone was able to change my contact phone number for wire/fraud authorization/notifications without the number on file being notified, this is unacceptable and a failure by Chase to protect my account. 
As stated above, I demand this case be reopened and reconsidered with the additional affidavit and screenshot provided. I have been a client of Chase for many years, and I expect this to be resolved in a satisfactory manner. I will not hesitate to consult counsel on this matter if Chase fails to perform its duties as required by law. 


Thank you, XXXX XXXX AFFIDAVIT The State of New York County of XXXX ) S.S. 
) I, XXXX XXXX, of XXXX XXXX, New York, MAKE OATH AND SAY THAT : 1. I never authorized a wire on XX/XX/2023 for {$4900.00}. 

2. When I saw the pending debit in my account at XXXX on XX/XX/2023, I immediately called Chase Claims Department to dispute the wire transaction. 
3. I was advised by Chase Claims Department that a wire confirmation message from chase was sent to XXXX at XXXX XXXX on XX/XX/2023. 
4. I was advised by Chase Claims Department that just prior to the wire being sent, the phone number on my account was updated to XXXX. 
5. I did not authorize Chase to add number XXXX to my account. 

6. I was not notified that Chase changed the phone number on file for my account to XXXX. 
7. Neither myself, nor anyone affiliated with or known by myself, is connected to or has knowledge of the phone number XXXX XXXX. 
8. I did not place this wire transfer request, nor did I receive any goods or services in relation to this wire transfer, and I had know knowledge of this transfer prior to XXXX on XX/XX/2023. 
9. I am attaching a screenshot of my cell phone message log showing that no message was received on my phone at XXXX on XX/XX/2023. This cell phone number of the phone this screenshot was taken is XXXX. 
10. I have had only one cell phone number, XXXX, for many years and have not changed this number
Product: Credit reporting

I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX ) 10 ) XXXX   XXXX ( XXXX ) 11 ) XXXX ( XXXX )
Product: Mortgage

I have had a VA mortgage with Wells Fargo Bank since XXXX. I meet all the conditions for the VA XXXX streamline refinance and filed a refi application on XX/XX/XXXX. I provided all the documentation requested from them immediately online and updated the documents. For months, they have dragged their feet and kept asking for the same documentation. I have had my rate lock extended over and over and it now expires on XX/XX/XXXX. My rate lock was extended numerous times. The law firm doing the closing has been trying to get them to give a date for closing but they can not or will not provide the date. I have given them what they asked for months ago. The representatives from Wells Fargo explain that the low interest rates have swamped them with refinances and therefore they are behind. This is 5 months plus now. On XX/XX/XXXX, I received a Loan Estimate having been told my loan passed final underwriting approval. There is no known date to close at this point and my rate lock expires on XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/2024 around XXXX XXXX  I called the company to post date my payment for some time in XXXX. The man that I spoke to refuse to schedule my payment and demanded a payment by the end of XXXX. I explained my hardship and he showed very little empathy. The man kept demanding a payment in full and was asking questions that led to possible repossession and was stating things that I never said such as " So your saying you can't afford these payments? '' The man was very rude and I explained to him I am aware of the consequences for non payment and can't make my payment till XXXX. I did explain to him I plan to catch both payments up. The next day on XXXX  around XXXX, I received an outbound call and I spoke to a woman who just verify me by my name. I explained to her I already talked to them and said I can't make the payment till XXXX. I asked her if they were going to call every day and the woman said yes. Even though they refuse to accept my payment in XXXX. When she called she did not verify my social or date of birth. She only verified by name. I explained to her that I could have been anyone other than the customer and she said that she verified by name and that was sufficient enough. She also did not state the mini XXXX. I do believe with her saying they were going to call every day that is considered harassment when they are refusing to accept and postdate my payment in XXXX. The lady that called me said she was going to transfer me for some reason to her supervisor. I disconnected the call due to my lunch ending as I had to go back to work. I received another call from the company a little past XXXX  and the woman claim she was returning the call per request. I never requested to speak to the supervisor but when the lady called she started asking again about the loan. I did advise her I am working and I can't take the call. She acknowledged that I couldn't take the call but continue to ask about the loan. I informed her the same thing, I asked her to talk to her team member as she is the supervisor and she explained to me she was the team lead, not the supervisor. I did explain to her that I would like her to coach and revisit the phone calls that were discussed as the team member falsified leadership. I did explain to this team lead regarding a cease and desist and she requested it in writing. I also informed her per TCPA law they do not have permission to contact me on my phone. She did provide me with the email address therefore, I sent a cease and desist letter due to the harassing calls continuing and this matter regarding violations. The company has caused me stress regarding the past due balance. Due to the FDCPA I know there are laws regarding verification, mini XXXX to inform me they are collecting a debt and they can not call every day after a party contact when they refuse to make the arrangements where I can post data payment. I have attached a copy of the email I sent for the cease and desist along with a request to submit a complaint.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.152 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act, I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Delete the Following accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX