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

I recently checked my credit credit report and found hard inquiries which was unauthorized so i want them off my report form both XXXX and TransUnion XXXX has already removed them I'm haven hard time with both XXXX and TransUnionSubject : Request for Removal of Unauthorized Hard Inquiries I am writing to dispute certain hard inquiries listed on my credit report, which were made without my authorization. These inquiries are negatively impacting my credit score, and I request their immediate removal. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and verifiable. Specifically, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) of the FCRA, a consumer report is only permissible if it is requested for a legitimate purpose with my explicit consent. I have identified the following hard inquiries that I did not authorize : [ List the companies and inquiry dates that need to be removed ] These inquiries were not made with my consent, and I believe they are a violation of the FCRA. I am requesting that you investigate these inquiries immediately and provide evidence of my authorization. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputed information within 30 days of receiving this notice. If you determine that these inquiries were unauthorized, I expect the hard inquiries to be deleted from my credit report and confirmation of the deletion to be sent to me in writing. Please also forward an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter. I look forward to your prompt resolution and response within the legally allotted time frame.
Product: Credit reporting or other personal consumer reports

I was trying to go up for a house, I was denied due to this being on my credit report. They have multiple inquires on my credit report. My information was taken in 2022 due to someone car broke into my car at work and did multiples things with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

This is my personal statement that the XXXX listed accounts are not mine and I do not know where they came from. The FCRA states that pursuant to 15 USC 1681c-2 these accounts must be deleted due to identity theft. Please delete the following XXXX fraudulent accounts from my consumer report immediately. 

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

All 3 credit reporting agencies, XXXX, TransUnion and XXXX are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX  was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i see that there are fraudulent accounts reporting to my credit. These negative accounts are hurting my credit and livelihood. Please delete this account from my credit report.
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 Date Opened : XX/XX/XXXX Balance : {$1100.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Late 120 Days Inquiry : XXXX XX/XX/XXXX
Product: Debt collection

This is false debt collection this company is reporting on my credit report. I do not owed XXXX no money and either have an XXXX account. This is a fraud account. I request that they remove this false debt account immediately from my credit report account.
Product: Checking or savings account

I am writing to submit a complaint regarding my Bank of America checking and savings account that Bank of America closed without giving me my money. I have attempted to resolve this issue with Bank of America a few times but they gave me the run around and didnt help me at all. The following are the details of my complaint : XX/XX/XXXX I XXXX  my brother XXXX {$3000.00}, which my money was taken out. Few days went by my brother calls me and ask if I had a chance to XXXX  him the {$3000.00}. I went to check and my XXXX  didnt go through..i call bank of america and the guy told me to call XXXX  because XXXX  isnt part of bank of america, so i call XXXX  and a lady i spoke to said that the money wasnt taking out for me to call bank of america, so i went and forth. Nothing was resolve they never gave me back my money they took. I attached my bank statements and you can see that on XX/XX/XXXX the XXXX  show completed, XX/XX/XXXX shows fail, and XX/XX/XXXX shows complete. The last two times i XXXX  my brother XXXX XXXX was on XX/XX/XXXX and on XX/XX/XXXX. On my bank statements shows otherwise. I started noticing money was missing from both my checking and savings account. When i call bank of america they said nothing is missing and shortly after that they closed both of my account. I had around {$140000.00} in savings and around {$120000.00} in checking. Somehow bank of america said i was negative and that I owe {$1500.00} to them. I call them multiple times a day and not one person help me. I dont know what to do, i went to the bank and they said i need to call the number on the back of my card. As it went i just lost all hope. I was never getting my money back. I trusted bank of america with my money and they stole money from me and close my account, i couldnt do anything. If you go my transactions nothing makes sense and the amount is incorrect. Its crazy how many transfers theres is. Bank of america owes me XXXX, and {$6000.00} for the XXXX  that they took from me and claim that nothing happen... please help me. I dont know what else to do. Please they have no right to take my money and not tell me what happen then closed my account. I just want my money that they took from me without my consent. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with Transunion and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX XXXX Account Number, XXXX XXXX card Account number and XXXX XXXX XXXX Account Number. I send numerous letter to transunion registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the XXXX breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.
Product: Credit card

I booked two hotel rooms in XXXX, XXXX this past XXXX for a week 's stay occurring between XXXX and XXXX for which I was billed XXXXXXXX XXXX. I agreed to pay for my stay using my Chase Bank XXXX XXXX credit card, which is advertised to have no foreign transaction fees. The highest foreign transaction rate between British pounds and US dollars that was in effect the day the transaction was charged to my Chase credit card ( XXXX ) was XXXX, which should have resulted in a charge of {$7400.00} USD to my credit card. Instead, I was charged {$7700.00}, a difference of {$290.00}. 

When I Inquired about the bill to Chase, Chase conducted an investigation, which confirmed that the original hotel bill was valid ( something I don't disputed ) and provided me documentation from the hotel indicating that the foreign transaction rate used was XXXX, which accounted for the discrepancy between what I expected to pay and the final cost of the hotel rooms. Chase representatives told me to take up the dispute with the hotel, which I did. Both the hotel and XXXX itself claimed that they do not charge foreign exchange fees and that they did not set the exchange rate - Chase did. Chase had continued to ignore my request for clarifying whether or not it charges a foreign exchange rate surcharge despite advertising on its website and credit card literature that it does not. 

Please see attached document " XXXX XXXX charged '' showing the exchange rate used to convert the hotel bill from British pounds to US dollars on XXXX.
Product: Credit card

Capital One apparently charged me multiple fees on a credit card account which I kept XXXX balance and have never paid late. I only found out because they reported a late payment on the account in XXXX 2024. I never received an email, letter or call from Capital One indicating the account was past due or had a balance at all.
Product: Credit reporting or other personal consumer reports

The bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX United States XXXX This pertains to identity theft. I am contacting you to inform you that this bank opened a fraudulent personal loan under my name. Despite the individual who opened the account spelling my name incorrectly and having the incorrect address, they opened the loan. It affected my credit score and it also caused me great emotional distress at home and at work. I submitted all of the paperwork they requested and created an account with identitytheft.gov. The bank initially did not respond to my emails or phone calls. I had to continuously email and call. Despite it being almost the 30 allotted days since they obtained my required forms and information ( XXXX ), they did not have their compliance team investigate until XXXX on XXXXXXXX After continuously contacting and sending extra paperwork, I am just now finding out that they did approve my dispute. My concern is the length of time it took ( I do not care if there was a holiday during that time, it was a mistake on their part ). They did not issue an apology. Additionally I am seeing based of review online both at XXXX XXXX XXXX and elsewhere that this is not uncommon. My understanding based off the information on their website is that personal loans require much documentation from the customer. They took fraudulent documentation, did not investigate it, and allowed someone to use my identity to open a line of credit. This bank 's business practices and their practices regarding how they approve their customers needs to be investigated. It is unacceptable to open a fraudulent account with a fake address and name spelled incorrectly. 

I want an apology for the amount of trouble I went through to correct THEIR ERROR and I want their business practices to be investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Inquiries due to Identity Theft : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

The account is set up for automatic payments. The XX/XX/XXXX payment was paid on XX/XX/XXXX. This was confirmed with my bank ( provided time of XXXX XXXX  and the ACH # to the lender on XX/XX/XXXX - see email attached ). 

I was initially told via phone call in XXXX it was resolved and should show so on next statement. Despite this information provided to lender and my request to stop harassing me about a paid payment, it continued and the monthly statement continued to show unpaid with fees and late fees piling up. 
After numerous calls, I was told they needed a bank statement showing the disputed error. After providing this in XXXX, I heard nothing for nearly 3 months, but the monthly statement still showed past due. After weeks of complaining and no resolution, I was eventually assigned a specialist to deal with the complaint on XX/XX/XXXX. She requested a clearer copy of the bank statement I sent 3 months prior. I responded immediately on XX/XX/XXXX with an email attaching a complete bank statement showing all interaction and payments to the lender, including the XX/XX/XXXX processed payment that was already proven as paid with bank ACH # etc. I followed up with a personal call to her provided extention, but it was not valid. To my dismay, the XXXX statement still did not show the payment. I sent three emails on XX/XX/XXXX asking why I was still getting collection letters from XXXX. no response was received. since I've tried to call the specialist at least 10 times, no luck. she's gone awol as there is no extension. after leaving a voicemail twice in the general phone box, i received no call back and am completely done with this 7 months of harassment. See attached emails as proof of interaction with the lender and all statement above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but two of the accounts " XXXX '' and XXXX XXXX  are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
If you look at the dates of last activity, the dates across ALL 3 credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL 3 credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL 3 credit bureaus, which violates the law ; if you look at my XXXX  Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I have been receiving at least XXXX calls a day from an unknown number when I answered it it was commenity capital bank. My wife has been getting the same phone calls from them. They are using a robot dialer.
Product: Credit reporting or other personal consumer reports

XXXX Milestone, XXXX XXXX " I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Checking or savings account

I had paid my credit card off using my checking account. The checking did not have enough funds, and I did n't bother with transfering the money from savings to cover it because I was going to rely on " overdraft protection. '' I was then charged a fee of XXXX for that which I have never been charged for before. I called and complained about that, and all they said was " this was in the paperwork. ''