23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report includes an address I never lived at or used for anything in my life. I have repeatedly asked for it to be removed and they will not remove it.
Product: Credit reporting or other personal consumer reports

Title 15 US Code 1611 : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose und

er the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company is willfully putting false information ( 34 hard inquiries in which I disputed ) are not authorized by me and I do not recognize them
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute regarding inaccuracies and misinformation on my credit report. Please update the following information.
Product: Checking or savings account

Dear CFPM official, I opened an checking account with HSBC in XXXX, 2019. The bank advertised a promotion that if XXXX is directly deposited into the bank for three consecutive months, there will be {$750.00} sign on bonus. I set up the direct deposit immediately after the account opening and ever since saves more than $ 70k. I was also informed by the HSBC customer service in writing that the requirements for the bonus has been met and I just need to wait to receive the bonus.. 
I have never received it. After repeated inquiry, I was informed by another HSBC team that I was not eligible because one of the requirements is the first $ XXXX must be deposited within the 1st " calendar '' month after the account opening. This is a ridiculous requirement since the account was opened in the middle of a month and the payroll of my company, or probably any company, need time to process the change of the destination bank of the direct deposit. I consider this requirement unethical and intriguing. I kindly request HSBC to grant the reward. 
My checking account number is XXXX and my name is XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my 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 AND XXXX XXXX XXXX XXXX XXXX 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

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD TWO LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURANCY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT NAME : XXXX XXXX ) ACCOUNT XXXX ), PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS.

Dear CFPB Team, I am writing to inform you about an issue I have encountered with the credit bureaus. Recently, I sent a letter requesting the removal of an incorrect late payment from my credit reports. This late payment never occurred, and I believe it is an error that is negatively affecting my credit history.

Unfortunately, despite sending this request to the relevant credit bureaus, I have not received any response from them. It has been 31 days since I sent the letter, and I have yet to see any resolution.

I am seeking the assistance of the CFPB to help resolve this matter. Enclosed with this communication, you will find a copy of the letter I sent to the credit bureaus and any other documentation relevant to this issue.

I appreciate your attention to this matter and look forward to your prompt response.

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

I would to OPT OUT of the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made an online purchase on XX/XX/year> at XXXX MST with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM using my Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX Apple Card. 

On XX/XX/year> at XXXX XXXX  MST I received a push notification asking me if I just spent {$70.00} at XXXX XXXX XXXX XXXX using my Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card. I of course responded " no ''. 

About XXXX XXXX  MST I reached out to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card by phone. They advised me that they had locked my account. I asked the representative if the purchased that I had made the previous day to XXXX XXXX XXXX XXXX went through. They said " no '' and advised me that the purchase to XXXX XXXX XXXX XXXX was the transaction they contacted me about through the push notification. 

The problem is that the push notification identified the transaction as being a restaurant, not a jewelry supply. I reached out to the merchant to pay for my purchase with a different card ( since the Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card ) had been locked. The merchant explained that this same thing happens to their customers all the time, and their customers end up just like me, with their Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card locked and XXXX. The merchant added that they've reached out to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card many times and requested for them to change the coding on purchases at their business to XXXX XXXX Jewelry Supply from XXXX XXXX XXXX XXXX and Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card advised them that they won't fix the problem and change the coding until more customers complain. Wonderful! 

The cs reps repeatedly told me that my transaction was not coded as food and drinks at a XXXX restaurant. My attached screen shot says otherwise. 

I am a responsible card holder. I pay my bill in full, on-time every month and this is how Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX Apple Card treats cardholders in return. 

I wasted over 3.5 hours making repeated calls to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card until I reached the cs representative with was willing to and had the authority to help me. I lost half a day of work because of their disregard. 

I used to recommend Apple Card to everyone. Praising the security of ApplePay and singing the praises of their cash back and Apple Cash. No longer. Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card has made my life an absolute nightmare of endless frustration over the last month. The perks no longer hold value to have to endure the abuse and misinformation that Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card subjects customers to.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance XXXX {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$17000.00}
Product: Vehicle loan or lease

These are all violations there are being reported All companies and entities have been notified of these complaints that been outlined an circled as violations Violations Identified : 1. Sum of All Charges Not Clear ( 15 U.S.C. 1635 ) : * The total amount financed and fees charged are listed across different sections ( e.g., cash price, registration fees, insurance, GAP coverage ), but there is no proper itemization that clearly adds up all charges for transparency. 
* This violates Truth in Lending Act ( TILA ) requirements, which demand clear disclosure of all charges. 
2. Insurance Coverage Not Included ( 15 U.S.C. 1662 ) : * The contract mentions that the buyer is required to have physical damage insurance, but it does not indicate whether insurance was included or confirm proof of such coverage. Instead, the dealer retains the right to impose additional insurance costs if the buyer fails to provide it. 
* Failing to properly document insurance coverage or provide notice to buyers can create confusion and is considered deceptive. 
3. Misleading Cash Representation : * There is mention of a cash payment or down payment in some sections ; however, no actual cash-in-hand was provided to the buyer. This discrepancy misrepresents the nature of the transaction, violating fair lending practices. 
4. Use of GPS and Starter Interrupt Devices Without Consent : * The addendum discloses the installation of GPS tracking and starter interrupt devices, which may disable the vehicle if payments are missed. This provision violates privacy rights and imposes undue control over the borrower without reasonable notice or approval. 
* It also waives privacy rights inappropriately, which is not fully compliant with consumer protection laws. 
5. Unfair Arbitration Clause : * The arbitration agreement limits the borrowers ability to pursue class action lawsuits or seek full legal remedies, which can be deemed unfair under federal law.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( ALLY XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

I purchased this home around XXXX XXXX XXXX with the intention of living here with my daughter, her husband and children. Little did we know at the time that the economy would take such a drastic turn for all of us. We attempted to manage as we have always stuck together as family, but the constant loss of employment and reduction in income finally took its tool. XX/XX/XXXX my son in law 's work was reduced and finally ended XX/XX/XXXX. This caused us to fall behind on the mortgage to the point that in XX/XX/XXXX I received a foreclosure notice. Fearing that I would lose the home and afraid to deal with some of the scams going on in the news I hired an attorney to see if I had an opportunity to keep the home. This ended up costing more money than what I had and finally ended up doing nothing for me as I was asked by my attorney to file chapter XXXX bankruptcy but this was dismissed from court in XX/XX/XXXX. During that same year my daughter and her husband separated and he moved out leaving us with less money to manage the household expenses. All I want is to have an opportunity to keep the home that we have fought so hard to get. My income along with my daughter 's and grandson should be able to manage a reasonable payment for us. We have seen that other people have applied and received assistance and at times they have worse situations than we do. I have attempted to talk to Central Mortgage Company to see if I 'm eligible for assistance and they only transfer me to other departments where I have to leave a message and no one except the collections department answers demanding that we pay what is owed. I really do n't know where else to turn. I was told to write to you but I fear it might be a little too late as they have my home scheduled for foreclosure sale on Friday XXXX XXXX XXXX at XXXX XXXX. I really do want to keep my home and a modification program or principal reduction program might be my only hope I have. Please help me at least get a fair chance to be reviewed for this.
Product: Checking or savings account

On XX/XX/XXXX all of my accounts with Navy federal credit union were frozen and a large sum was garnished to recover a debt according to a garnishment order the bank received on XX/XX/XXXX. The garnishment was put in to effect on XX/XX/XXXX which was the day the notice was mailed by navy federal credit union to me. I did not receive this notice until the XXXX in the mail. From the XXXX of XXXX until the XXXX of XXXX my family was unable to use any of the remaining funds in the accounts even though I had spoken to the bank and advised that we needed to access the un restricted funds for food. According to state and federal law in Virginia the bank must send notice to the consumer no more than 5 business days after receiving the court order to garnish the accounts. Also according to Virginia state law the financial institution can not freeze access to any funds that are protected or ungarnished. On Wednesday XX/XX/XXXX I received another pay check and authorized the credit union to garnish and hold the remaining funds needed to satisfy the court ordered amount. At this point the amounts were un frozen and we were able to access the funds remaining. Prior to this I was told by navy federal that all of my accounts were only able to receive funds into the account but that we could not make any debits from the accounts including the funds that were protected from garnishment. I had to struggle for those 5 days to scrap enough from friends and family to afford groceries to feed my family and put fuel into our vehicles so we could continue to go to work. I believe that according to state and federal laws many federal credit union failed to adhere to the law and send notification within the legal time limit of 5 business days. I also believe that many federal credit union caused egregious harm to the health and well being of my family by freezing funds that were protected and not garnished by preventing my family from having access to these funds to obtain necessary goods such as food and gas.
Product: Debt collection

A.R.M. Solutions is dunning for a debt I already paid. They cite a {$51.00} balance with XXXX XXXX. I cancelled service effective XX/XX/2022. I was paid up through XX/XX/2022. 

I contacted XXXX XXXX. They said they had credited my last payment to the wrong account, and that they would correct their books and notify A.R.M., their collections division. 

I sent copies of my last XXXX XXXX invoice and my cancelled check to A.R.M. 

Unfortunately, collection efforts continue. I received another letter to day, threatening to report this improper debt to a credit reporting agency.
Product: Debt collection

I have called countless times told by supervisors investigations would be done and validated would be sent to me by mail and have only gotten the last statement and documentation of them owning this debt nothing else. Please understand that they have been adding additional late payments to my credit report ( XXXX ) as stated in documentation and they have different charges across all bureaus not one closely corresponds to the statement sent by capital one and they then selves wont provide information either & never because this isnt my debt so I would like both capital one & XXXX XXXX  to immediately remove both accounts from all CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and have not gotten a response from Equifax about this account in question. 

Chapter XXXX Bankruptcy This public record information is inaccurate and unverifiable. Reference # XXXX shows XXXX, XXXX  XXXX and Equifax shows XXXX. I have asked Equifax a numerous times to verify this information with no response but XXXX stated the information comes from XXXX. I reached out to XXXX XXXX twice and both times they response that they do not even have an account for me. I have included the letter from XXXX XXXX with this information so where are you getting this information? Please delete this information immediately from my report. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I disputed the following items and they have sent me information back with more inaccuracies. I don't understand what is going on they have more than 90 days to review all my accounts. 

XXXX XXXX XXXX This account is inaccurate showing the payment status of Late 120 days on a collection account with a past due balance of {$790.00} reporting late payment in the payment history XX/XX/XXXX. A collection account should not have a late payment history and should not be reporting a past due balance. Also the account history in your verification response shows {$790.00} High Credit with {$0.00} Past due from XX/XX/XXXX to XX/XX/XXXX but on XX/XX/XXXX the Past due was added of {$790.00}. Please remove this inaccurate unverified account. 


XXXX Payment history is inaccurate. You are reporting 30 days late on XX/XX/XXXX when XXXX has verified the payment history showing the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So why do I have a 30 days late payment on my history in XX/XX/XXXX. Please update this 30 days late payment to OK since this was never late. 

these items not being properly looked into I have been more than patience and it is seriously effecting my scores.