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

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX - Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Opened on XX/XX/XXXX Account Name : XXXX XXXX # XXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have applied for multiple jobs in the past 4 months. In XXXX of XXXX I was granted XXXX  XXXX  in the State of Texas for a previous charge out of XXXX XXXX, Texas where a judge in XXXX had XXXX  me to XXXX XXXXn. I received a report from First Advantage, and I have also received a consumer report from XXXX XXXX indicating the XXXX  with a disposition of a sentence imposed including the deferred adjudication however the consumer reports are no loner correct. Under the Judicial Clemency statue in the State of Texas, a person is no longer held responsible or penalized for the formerly imposed sentence. Public records may only indicate that this was an XXXX  and no longer imposed as a sentence. Consumer reporting agencies have a responsibility to report information especially criminal records properly because it can have a drastic effect on whether a potential employer or creditors would choose to do business with the person. The records aforementioned are not correctly reported and need to be corrected. I have a copy of the orders issued by the Judge in this case that updates it however, it should be a responsibility of the consumer reporting agency to accurately obtain and report the information since the order issued by the Judge would be a public record. 

Thank you.
Product: Credit reporting or other personal consumer reports

There are incorrect billing entries on my credit report showing late payments inconsistent with my payment record. Please correct these and update my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fear Credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my tights.

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

I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX Mortgage XXXX.
Product: Debt collection

Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX Dear Consumer Finance officer at Auto Division I am writing to dispute a close account of an Auto Loan of {$28000.00} to my account on XX/XX/XXXX. The charge is in error because the auto was taken from me in an armed robbery in XXXX  XXXX. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the police report supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Citibank Credit Card company is a ridiculous, rude and not a consumer friendly company. this Bank should be closed down. 

First of all they close my credit card out of no reason. 

Secondly what they claim that the customers get 100 % fraud protection on unauthorized charges on their credit cards is a bogus scam because if the card is lost and if someone else uses it still we are still responsible for the unauthorized charges. 

On around XX/XX/XXXX or XX/XX/2018 my credit card was lost and I duly informed the Citibank about it, they sent me a new card.

Now after two months they have put {$1400.00} on my Account and asking me to pay that Amount. I can not even see this amount on my XX/XX/XXXX Citibank Statement. Is this is a scam or what?

I will not recommend anyone to apply for Citibank Credit cards as  it is a ridiculous money making company and should be sued in a court of law. 

My credit card was in XX/XX/2018 and I did report it to Citibank Promptly, they gave me a temporary credit and 2 months later reapplied to my account ruining my credit. 

There XXXX anywhere Visa Credit Card is a scam Card and they are also ruining XXXX XXXX Reputation. I would request XXXX to please discontinue and disconnect all ties with Citibank.

I will never apply for a Citibank Credit card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX, XXXX, EQUIFAX, AND XXXX in regards to account name : XXXX XXXX XXXX account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were 7 errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, EQUIFAX, AND XXXX are showing inaccurate and differently. I have attached to this dispute my credit report with the 3 above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit report I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple withdrawals I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account with Transunion in order to obtain a free copy of my credit report as advertised. I was charged {$25.00} and automatically enrolled in a monthly subscription. There is no way I could have reasonably avoided these charges and this information is not displayed or explained at all before you submit your information. This is clearly a UDAAP violation. I called them and a representative stated I should have called and inquired before the charges ran on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the follow letters to XXXX, Equifax and XXXX XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Manager, This debt has to first of all be billed properly to our medical insurance company.

Third request!

Stop calling us during the national emergency of covid-19!!
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX we were told we were approved by XXXX XXXX at XXXX XXXX XXXX for a investment mortgage on specific terms ( 10 % down 3 months of reserves ). Me and my wife understood and were able to meet these terms same day we go under contract for a property. 

We submitted all the documentation requested such as pay stubs, tax forms etc. 

May 3, 15 days before closing. After a lengthy contract back and forth and the earnest money period, home inspection ( {$260.00} ) completed as well as a 2 5 day extension periods in which we could have withdrawn and retaining our earnest money ( {$2500.00} ) XXXX XXXX XXXX decides to raise the terms ( increasing a down payment requirement to 20 % ) -unbeknownst to us, in which makes obtaining the mortgage unobtainable. This is after XXXX XXXX XXXX  has received all our documents which would show we would not be able to meet these terms. 

XXXX XXXX XXXX acted in bad faith to myself, agents and sellers involved as if it was not for their initial direction of approval my family wouldnt be out the earnest money, cost to transferring funds, inspection costs. We would have never went under contract should they have been straight forward regarding their requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type XXXX Loan Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$53000.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1000.00} Original balance {$73000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experain, Transunion, and Equifax Request for Removal of Incorrect Information Based on Metro2 Standards Dear Sir/Madam, I am writing to formally dispute an account that is being incorrectly reported on my credit file in violation of Metro2 standards. The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Report : XXXX and XXXX XXXX as well as payment history and amount off by a couple of dollars Upon reviewing my credit report, I believe that the information being reported is inaccurate or misleading due to [ explain the error in detailexamples could be : incorrect balance, wrong account status ( e.g., marked as delinquent when it was paid off ), or a payment history mistake ]. According to Metro2 standards, data furnishers must report accurate and complete information, and it appears that in this case, the reporting entity has failed to do so. 

Under the Metro2 guidelines, data reported to the credit bureaus must be accurate and properly reflect the true status of the account. This error is a violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed. 

I am requesting that this account be thoroughly investigated and removed from my credit report, or that the inaccurate information be corrected as required by Metro2 guidelines. 

For your reference, I have enclosed the following documentation to support my dispute : Please provide me with confirmation once this matter has been investigated and resolved. I expect to receive an update regarding this dispute within the statutory 30-day period. 

Thank you for your prompt attention to this matter. Should you need additional information, feel free to contact me. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX also inquiries Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX as well as correcting my information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX That the only information that should be reporting on my credits bureaus Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. 

It appears on my credit as Child Support XXXX/LA
Product: Checking or savings account

Bank of America opened an account online without verifying who was opening the account... it was opened using my middle name and previous last name. When I attempted to call after receiving an email alert, I couldn't get through bc I didn't have an account number and their automated system kept hanging up on me. When I did reach them, they've hung up on me several times and refused to explain how they allowed an account to be opened under a name that didn't match the current check systems and credit bureaus reports nor would they explain how they opened an account without identifying the account opener ... additionally they still have not provided any documentation stating the account has been closed or given me any information that a case has been opened. 

I don't know if other accounts were opened in my name before I was able to get my credit reports frozen and I still don't know if my general email was hacked or if it was my social security number since no inquiries hit my credit reports on the day of the account opening.
Product: Credit reporting

XXXX Mortgage is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.
Product: Debt collection

I am writing to file a formal complaint concerning violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX Funding. I have identified several inaccuracies and potential fraudulent information in my credit report, which Equifax has failed to address despite multiple disputes submitted. 

Details of the Issue : Inaccurate Reporting of XXXX XXXX XXXX : -The account is reported as " OPEN '' with a {$0.00} balance. 
-The remarks state " Account paid for less full balance XXXX XXXX. '' -If the collection is paid, the account status should not be " OPEN. '' Inaccurate and Fraudulent Reporting of XXXX XXXX XXXX : -There are two collection accounts with open balances being reported. 
The remarks state " reinvestigation in progress. '' XXXX XXXX has failed to provide documentation proving the debt, including the original contract with my wet signature. 

XXXX XXXX is inaccurately listed as the original creditor for a debt XXXX XXXX is a collection agency, not the original creditor which is falsifying information on behalf and inaccurate reporting on my credit file.

Violation of Consumer Rights : These inaccuracies and potential fraudulent information are violations of my rights under the FCRA, specifically : -Section 609 ( e ) : Not providing the necessary documents related to the fraudulent transaction with XXXX XXXX XXXX as the original creditor as listed on credit reporting file. -Section 611 : Failing to prope
rly investigate the disputed information and correct/delete the inaccurate or unverifiable information.

-Section 623 ( a ) : XXXX XXXX failing to correct or update inaccurate information after being notified by me to submit there I have and agreement as the original creditor for funding from XXXX XXXX XXXX XXXX 

Equifax 's Response : Equifax has repeatedly responded to my disputes with automated responses, requesting my ID and Social Security number, which are irrelevant to the nature of the dispute. This indicates a lack of proper investigation into the inaccuracies and potential fraud I reported.
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 15USC 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 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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 if the person knows or has reasonable cause to believe that the information is inaccurate