23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 these 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 accounts below : 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, credit repair services, or other personal consumer reports

I XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX XXXX  -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX -- - Unauthorized Inquiry
Product: Credit reporting or other personal consumer reports

I have written letters ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recently on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to help remove a late payment reported on my credit report in XX/XX/year> regarding my Loan Number : XXXX. 

I have previously contacted XXXX XXXX XXXX XXXX via phone, email, and written correspondence to explain and provide documentation regarding a medical condition that resulted in a single 30-day late payment in XX/XX/year>. This situation coincided with the servicing transfer of my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, the transfer did not include the correct contact details, despite my reliance on auto-payment and notification features to ensure timely payments. 

In XX/XX/year>, despite having autopay configured, I missed a payment due to my health issues. I was only made aware of this oversight on XX/XX/year>, when I received a notification about a significant drop in my credit score. I immediately rectified the missed payment and sought assistance to address the late payment mark with all three credit bureaus. However, my repeated efforts since XX/XX/year> to communicate with XXXX XXXX XXXX XXXX have thus far resulted only in acknowledgments of receipt, without any substantive response or resolution. 

The agents who have answered my calls have been unable to effectuate any changes due to limitations in their authority. It appears that these agents lack the means to escalate issues to their supervisors or the appropriate decision-makers within their credit department. Given the urgent nature of my situationrequiring a loan for essential repairs to my home, which is severely affected by mold and termite damageI respectfully request your offices help in this matter. 

Your assistance in facilitating communication with XXXX XXXX XXXX XXXX and resolving this matter would be greatly appreciated. 

Thank you for your understanding and cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT KARMA HAS MY OLD ADDRESSS LISTED IN MY PERSONAL INFORMATION PROFILE AND IVE RECENTL used XXXX to take advantage of my free addresss change and for my XXXX address change since we are moving soon. Credit karma will not allow me to iMMEDIATELY change mt address on file and i jave JUST applied for XXXX XXXX  XXXX credit cards.today is sunday XX/XX/XXXX and i applied for XXXX XXXX XXXX credit cards yesterday on saturday XX/XX/XXXX online using the " Recommendation '' portion of the website while logged into my account. My concerns are my identity will be compromised and/or my credit card information will be stolen. Also another MAJOR problem is XXXX vehicles are reported or shown as my vehicles on credit KARMA but they are NOT. I removed them becuase i am NOT the rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding negative information, unauthorized charges on my credit card, incorrect information on my credit report, and deceptive practices by a debt collector. I have made several attempts to resolve this matter but my concerns have not been adequately addressed. I believe that the actions of Credit Bureaus are in violation of consumer protection laws, and I am seeking your assistance in resolving this issue. I have attached copies of relevant documents. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are protected. I am seeking a resolution that includes the removal of inaccurate information from my credit report. The following items need to be removed immediately : XXXX XXXX ; XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX, CAXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX  Balance : {$24.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ; XXXX XXXX CA ; XXXX XXXX XXXX XXXX, CAXXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$820.00}.
Product: Checking or savings account

I contacted Wealthfront to change a phone number on my account on XX/XX/year>. Since the account was old not funded they would need to disable the profile, so that I could setup a new account. I successfully setup the account and linked one of my banks to deposit {$250.00} which appeared to be successful. Moments later I received an email that stated my account was denied due to the inability to verify my identity. I promptly contacted Wealthfront and stated to customer svc rep " XXXX '' what could be done to resolve the identity issue he stated " NOTHING ''. Immediately disturbed by the response I forwarded my denial email to XXXX, XXXX for further guidance.
Product: Credit card

All my credit card accounts are set up on automatic bill pay that offer the option to automatically pay the minimum amount due ... except Bank of America. So, not having information on how to accomplish a minimum payment automatically, I checked the minimum listed and added {$5.00} to it. Well, yesterday I received an email saying my payment was past due and was charged {$16.00} for a late fee. Upon calling them today, I learned that they had upped their minimum payment without notifying me so my payment was not accepted and I was charged. This is the second time that Bank of America has charged me an unfair fee. The first was with their changing the due date by 5 days without notifying me and claiming it was because there was a different number of days in the billing cycle. I did find out that there is a way to set a minimum payment but you have to go to a totally separate page that I was never told about to do it nor were there instructions on the page to set up auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and XXXX XXXX, XXXXXXXX XXXX ran my credit that now has me with inquiry that I would like to have removed ASAP. I reached out to all companies. XXXX XXXX, XXXX, credit bureau, Trans Union credit bureau. My credit was pull on XX/XX/2023. 
From the institution of XXXX XXXX, XXXXXXXX XXXX
Product: Debt collection

My 2018 XXXX XXXX was stolen. It was recovered 40 days later and by then the insurance company had agreed to pay the vehicle off. XXXX paid the vehicle off. We decided to keep the vehicle and pay the remaining balance after damages, assessments, and adjustments. Ally financial has since cashed the check from XXXX insurance in the amount of {$27000.00} and is say they dont have it. Ally stated the check was returned and XXXX doesnt have any proof of the check being returned nor does Ally Fin. They have provided me with a transaction history that is incorrect and I feel should be void.
Product: Credit reporting or other personal consumer reports

Here is a revised version of your dispute letter, incorporating the details from your credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Account Reporting under FCRA and TILA Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Numbers : XXXX ( Installment ), XXXX ( Revolving ) Balance : {$0.00} ( Installment ), {$1900.00} ( Revolving ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of two accounts listed under my credit profile from XXXX XXXX XXXX XXXX . These accounts one Installment and one Revolving are falsely associated with me, and I have no connection to XXXX XXXX XXXX XXXX or any of their products. The details presented in my credit report are inaccurate and fraudulent. 

Account Details : Installment Account Closed Date : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) Open Date : XX/XX/XXXX Payment Status : Paid account/was 30 days past due ( Experian ) Worst Delinquency : 30 days past due Balance : {$0.00} Revolving Account Last Updated : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Payment Status : Paid or paying as agreed Worst Delinquency : 60 days past due ( XXXX ) Balance : {$1900.00} ( XXXX ) Credit Limit : {$1000.00} ( XXXX ) Legal Basis for Dispute : FCRA Violations- Inaccurate Reporting ( 15 U.S.C. 1681 ) : As per the Fair Credit Reporting Act, credit bureaus are obligated to maintain only accurate and verifiable information on consumer credit reports. Neither of these accounts is mine, and the reporting of these accounts under my name is false and constitutes inaccurate reporting in violation of FCRA. 

TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no accounts with XXXX XXXX XXXX XXXX, and these reported accounts are therefore fraudulent. The presence of these accounts is a violation of my rights under TILA. 

Actions Requested : Immediate Removal of Accounts : I request that you investigate the accuracy of these accounts with XXXX XXXX XXXX XXXX and remove them from my credit report as they do not belong to me. 

Written Confirmation of Removal : Once the investigation is complete and these accounts are removed from my credit report, I ask that you provide written confirmation that these actions have been taken. 

Under the FCRA, I expect this matter to be resolved within 30 days. Failure to act within this timeframe may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inaccurate and fraudulent accounts. 

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

On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with XXXX receipts ). IT IS WELL PAST THIRTY DAYS and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. Equifax received my dispute letter on XX/XX/XXXX and it now XX/XX/XXXX. 

I requested that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX XXXX  would remain on my credit report for 7 years not ten years. I pay ALL of my bills on time and I am not delinquent on paying my bills. XXXX XXXX has ALREADY DELETED this erroneous bankruptcy from my credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code clearly states, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE THE END of the 30-day period BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 

Once again, Equifax has GREATLY exceeded the thirty days and I am once again requesting that the Consumer Financial Protection Bureau to STOP this credit reporting agency from violating my rights! What Equifax is doing to me is illegal and in violation of the law! 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you once again, please send me a free credit report illustrating that all of The four items have been removed and include my updated credit score. I am being harmed by Equifax illegal actions, Equifax is in violation of the law and I am requesting your immediate attention in regards to these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/ XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This is in response to CFPB XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a police report or that ive used a credit repair company is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with Synchrony Bank ( Lowes ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXX showed the fraudulent inquiry from SYNCB/LOWES reported to XXXX credit bureau XX/XX/XXXX. This is a violation of the FCRA.
Product: Credit card

I have an account with the Military Star credit card, issued by the Exchange Credit Program, XXXX. XXXX XXXX XXXX, TX XXXX. I made a purchase on this account under a promotional zero interest plan. The company intentionally prevents payments made from being applied to the no interest balance, in order to carry that balance through the end of the promotion which would then begin earning interest. There are no materials or billing information listed either in the promotion materials, or the billing statement, that tell consumers that they have to request each time a payment is made, exactly how that payment would need to be applied. Without their knowledge, the agency automatically applies the payments to the non-promotional balances, including when additional payments are made or when no payment is due. This will cause all of the military customers to begin earning interest on a balance that they believed was paid off before the promotion ended. I find this to be a predatory practice, specifically targeting young service members.
Product: Credit card or prepaid card

I made a purchased to " XXXX XXXXXXXX '' on XXXX XXXX, XXXX  with my chase freedom card ( last four of card number XXXX ). I purchased a cabin rental called XXXX. I called into chase freedoms fraud department bc I didn't recognize 'XXXX  ' however, it was my mistake and that was in fact the cabin rental for XXXXXXXX XXXX. I called the chase freedom fraud department back stating my mistake. Chase freedom issues XXXX the funds of {$490.00} on XX/XX/2022. I have the document stating that from Chase freedom. I made a XXXX XXXX XXXX XXXX ) claim against XXXX. I was notified by XXXX on XX/XX/2022, they had issued a refund of {$490.00} to my financial institution ( JP Morgan chase freedom credit card ) on XX/XX/2022. I called and spoke with associates of JP Morgan chase freedom credit cards fraud, dispute, customer service and dispute departments on XX/XX/2022 and was told they did not receive any funds and could not assist me. Unfortunately, I resorted in the assistance of XXXX XXXX XXXX on XX/XX/2022 to help me find the funds JP Morgan Chase Freedom Credit card may have misplaced. On XX/XX/2022 I was contacted by an associate from JP Morgan Chase Freedom Credit Card that they have sent the funds to XXXX XXXX I'm not sure who has the funds but XXXX has informed me they were last to send the funds back to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you Chance for sending me the information on my account. See attached account info as well as your letter. 

My question is. You said I paid last on XX/XX/2014. You then mentioned that my date of first delinquency is then XX/XX/2014. So, I am wondering if my last payment is in XXXX how is it that Amos 60 days later it finally becomes delinquent? Please explain to me why the account should not be date of first delinquency as of XX/XX/2014? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to Experian credit services and the following companies, XXXX XXXX XXXX   account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. THEN THEY LIED AND SAID THE ACCOUNT WAS NOT ON MY REPORT. CLEARLY IT 'S STILL THERE AS MY DOCUMENTATION SHOWS. LIARS.
Product: Bank account or service

The bank. had a legal hold on the funds in my checking account. I am in court challenging the validity of the hold on funds that should be considered disabilty payment. On XXXX/XXXX/16 the bank made my funds available in the savings account so I transferred all the funds to my checking account and subsequently withdrew the cash from my checking account. I did believe that I had won my case and that was why the funds were released. There appears to have been a glitch in the system because the bank says they never meant for the funds to be available to me. I contend that this is a mistake on the bank 's part and they are responsible for the mistake. The bank reversed my transfer on XXXX/XXXX/16. There was no longer any funds in either account at that time except for my paycheck of approximately {$150.00}. Now my account is {$3200.00} in the red which is not correct. I do not have a credit line with Chase so this reversal is contrary to my account access for over the limit withdrawals of which there are none.
Product: Checking or savings account

On XX/XX/24 I withdrew all funds from my account with PNC Bank. 

On XX/XX/24 I called to close the account, at which time I was informed that any interest accrued during the month of XXXX is forfeited if I close the account before the end of the month. This is the basis of my complaint. I am entitled to any interest accrued during the month in which I close an account.