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

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account reported later than 30 days and the payment was made on time since the payment was automatic. The company never communicated and reported the account at the latest in payment. There is inaccuracy in the reports. Opening day and payment days. Please request that the situation be resolved and the account be deleted.
Product: Credit card

I currently have a card open with JCPenney through Synchrony bank. On XXXX XXXX, I submitted what I thought was my full minimum payment of XXXX. I asked the cashier to confirm the amount and she said that she could not. I am now being charged a XXXX late fee because according to Synchrony I still owe XXXX of my minimum balance ( because it was really XXXX that I should have paid. ) Also according to Synchrony I did not make a payment. So now I have a late fee and a black mark ( my account is now delinquent ) on my record because Synchrony is citing privacy concerns that will not allow the cashiers at JC Penney to confirm the minimum balance due ; essentially they are setting it up so that the customer accumulates lates fees.
Product: Mortgage

On XX/XX/2021, I attempted to transfer funds from my HELOC via the Bank of America 's automated phone system to my checking account. When I pressed the appropriate phone number button, the system gave me a verbal response : " unable to transfer from HELOC ''. It should be noted that I had been able to make payments to and transfer funds from my HELOC using the BOFA phone system. I depend on this system as I'm totally XXXX, and am uncomfortable doing these same tasks online. I then tried via voice commands to do same with same result. I called the HELOC/Mortgage number and spoke with XXXX who, after some difficulty was able to transfer the funds to my checking account. She also generated a case number and said she'd escalate the issue. Additionally, I was unable to make payments to my HELOC, though I'd been able to do so in the past. 

The next day, I went down to the local branch and spoke with the assistant manager, XXXX. She said she'd also look into this matter. A week later, the problem still hadn't been resolved, though I did get an update to that effect from XXXX. As of today, the system 's still broken. I can neither transfer from or make payments to my HELOC via the phone system. I should be able to do this independently as I had been able to do so in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

companies reporting inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$15000.00} - Account # : XXXX XX/XX/XXXX - Balance : {$14000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XX/XX/XXXX- Balance : {$5300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report :XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX, XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX The FCRA mandates that consumer reporting agencies take reasonable steps to ensure the accuracy and privacy of personal information ( 15 U.S.C. 1681e ). If this information is found to be incorrect or unverifiable, I request that it be deleted from my credit report. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Checking or savings account

At the suggestion of my local Key Bank manager, on XX/XX/year> I signed up for a XXXX CD with a 5 % interest rate as advertised on the Key Bank website . However, the account I was given bears just a 0.05 % interest rate. I noticed the issue after two months of interest payments that were hundreds of dollars less than what was offered. 

I contacted the bank to question the discrepancy and was told that I had chosen the lower rate based on my online application. I told them that was not likely because their website never offered a rate of 0.05 %, and that I would not have chosen such a low rate, nor would I expect anyone else to choose that rate, either. 

I was told I could close the account and incur a penalty due to it not having matured. Then, I was disconnected from their chat by their own customer service team. Their website is fundamentally misleading and they are not only stealing from me but also profiting off of interest from my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

After submitting an online application, we received a Pre-Approval letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). When we requested the Loan Estimate, XXXX refused ( on four separate occasions ) to provide it without the Contract - violating TILA-RESPA Integrated Disclosure Rules ( TRID or TRID Rule ). Specifically, XXXX messaged us the following : On XX/XX/23 at XXXXXXXX XXXX, " I do require the contract first - there are many details in there that impact what numbers would be on the Loan Estimate. '' On XX/XX/23 at XXXX XXXX, " I'm willing to provide the Loan Estimate once I have the contract as mentioned before. '' On XX/XX/23 at XXXXXXXX XXXX " I don't have the necessary information to provide a Loan Estimate without the contract. There are several data pieces required by a lender to provide the Loan Estimate and I don't have all of them. '' What XXXX didn't realize is that we were fully aware that only 6 pieces of information are required for a Loan Estimate. We had already received 3 Loan Estimates from other lenders. He was the only one who did not operate in Good Faith and attempted to procure the contract through deception. 

XXXX XXXX 's interim director did not have an explanation for the behavior. He advised the missing piece of information was the property address. I provided the address and received the Loan Estimate. A new loan originator was assigned.
Product: Debt collection

On XX/XX/ 2019 I noticed the amount of {$990.00} was missing from my bank account which just so happen to be nearly half the funds I had in there. I contacted the bank the same day and they told me that there was nothing they could do on there end that it was a legal order done by XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX ). obtained the legal order in bad faith as they garnished exempt funds. They are representing LVNV Funding llc, a debt collector who I sent my proof of exemption to. Since sending those people my proof of exemption they have tried to call me to collect the debt and now have illegally garnished my exempt funds through the law office previously mentioned. It has caused me significant hardship as this literally is the only money I live off of as I am XXXX, a full time student and receive only financial aid for school. I have tried to contact them on three different occasions. They do not have an email, so I called them on XX/XX/XXXX the same day it occurred, but no answer. Then I called them on XX/XX/XXXX, the operator picked up and transferred me to a lawyer, but all I got was voicemail, so I left a message. I called again on XX/XX/XXXX and still no answer. So, I again left a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

N n accordance with the Fair Credit Reporting act the following 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  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
Product: Credit reporting or other personal consumer reports

BMW financial has sent me a 1099-C form. I have since reported this form to the IRS. They should no lobger be reporting the charge off on my credit report. I have atached proof of the 1099-C as well as my 1040 tax form showing I reported to the IRS.
Product: Debt collection

I attempted to port number over to XXXX and the port was unsuccessful. I never had phone service with them because they could not get the order to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TO BUY MY FIRST HOME AND I HVAE BEEN DENIED FOR MY APPROVAL DUE TO CERTAIN INQUIRIES/ DAMAGES ON MY REPORT. ACOORDING TO HJR 192 All Public Debt is an obligation of the United States and not the Citizens. And According to the FCRA or Fair Credit Reporting Agency it is against the law for these credit reporting agencies to report anything without my authorization or consent on my report. 
ALSO IN 15 U.S.C 1681 there should not be any damages on MY Report it is A Defamation of character., therefore these items need to be Removed. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL unauthorized and unverified accounts.
Product: Credit reporting or other personal consumer reports

This is my multiple request to delete this account in my credit report that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Product: Prepaid card

I received a {$50.00} gift card from my friend on XX/XX/2024 I tried using it the next day it did not work granted I thought it was the system where I was using it that was not working properly no I tried it at another location same issue so I decided to call them granted is only {$50.00} but its money none the less and it was a gift so I wanted to enjoy it I called them they opened up a claim # which I still have I gave them all my information so they could make a claim they did they told send us the receipts the card package and anything else that you have so we can document it agreed sent it and I continuously checked my email and called just to keep track of it nothing really changed stayed the same a month passed and since I never did receive anything I called again and asked they couldnt respond to me and then a few days later I got an email apparently the documents I had sent were not enough proof over the purchase of the gift card so I called them spoke to someone else and they stayed well we cant define where it was purchased and so forth so I asked what more do you need they told me the same thing again receipt and so forth I sent them and then a couple days later I called again they said yes it will take 30 days to fix the issue nothing has changed and they just now sent me another email stating the same thing we need more documents to continue with the claim I dont know what else they need bc I sent them all they needed it should be a simple problem to be resolved but now they are changing what they had said and its back to the same thing all because they cant fix it I want the {$50.00} gift card to be good for me to use I am not wanting to loose that money
Product: Credit reporting or other personal consumer reports

Experian recently reported inaccurate consumer information. law. 
I demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report 2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations. 
If Experian fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c - Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experian 's failure to remove or correct such information violates this provision and harms my creditworthiness.

2. **15 U.S.C. 1681e - Fair Credit Reporting.

I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experian 's negligence and noncompliance. 
This letter serves as formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Capital One reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Capital One update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Capital One permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Product: Checking or savings account

My companys bank account with US Bank was frozen on XX/XX/2021. I made several phone calls to them and visited the branch more than 5 times. When I first called, they told me it would be resolved in 3 weeks or so. However, after a while, they informed me that my account would be officially closed on XX/XX/2021 and advised me to discuss with the XXXX XXXX branch regarding the balance being refunded to me. 
I visited the branch again in XXXX and around the end of XXXX. That is when they told me to submit invoices for 4 checks. They claim that verification is required for about {$17000.00} of the total frozen amount of about {$50000.00}. I asked one of the bankers at the branch if he could provide documents, such as bank statements for the checks that they needed verified. They told me to provide invoices for the 2 checks and the full bank statements for the other 2 checks, instead of partial statements. I was under the impression that US Bank can complete a verification process through copies of the cleared checks in question and/or statements showing the items had cleared. Many of these checks that they are wanting verified are checks from customers that have been deposited into my account several times prior. This random request makes me feel like this is just a way for them to stall releasing my funds that are currently still frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX XXXX XXXX  # XXXXthe dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt XXXX 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX  XXXX  # XXXX I have never done any type of business with this company please delete this account at once!