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

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose.

In light of the clear violations of the law, your agency is required to take the following action : 1. remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information.

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. Thank you. 

Account Name : XXXX XXXX  Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX $ Date Opened : XX/XX/XXXX UNAUTHORIZED HARD INQUIRY XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX for XXXX the XXXX XXXX XXXX. Advised months ago not to call me during work hours as my company will not allow me to speak with them then ( they can call after XXXX, eastern ) so instead, they looked up my previous credit information and started calling my mother 's number daily starting XX/XX/XXXX - XX/XX/XXXX ( who I have not lived with for years ) and then my husband, on XX/XX/18, neither of which is listed as a contact number or a debtor for the account. I spoke with them on XX/XX/18 and made a payment of part of the debt owed, and advised them on the call that I will contact them when I get paid again ( around the XX/XX/XXXX, ) I also asked them to not contact me again during business hours, and asked them to take my husband 's number and my mother 's number off the account, and was told my mother 's number was never on my account to call her, and they did not have another number on file. I received a " unknown '' call today during my work hours at XXXXXXXX eastern. I used to work in debt collection, I know that they can not contact a customer more than 1 time in a 5 or 7 day period in New York State, and this has been within 3 business days. They need to be able to provide the telephone number when calling, and not purposely avoid caller id features. I advised them again not to contact me during business hours on today 's call, and that I just spoke with them saturday. My mother advised me since then that she has received a call again today on XX/XX/18 from them after I advised them not to call her.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/22 for the amount of {$380.00} XXXX XXXX XXXX has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to TRANSUNION without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by XXXX XXXX XXXX nor have I ever had a contract with them. My personal information has been shared among these companies without my XXXX15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.
Product: Credit card

i received in the mail randomly a quick silver card. i thought it was a new one to my current account. I then logged into my account and the new number wasn't showing. I then called them. they then told me that it was a card from another credit card holder and I told them I never requested the card. they said that the card holder was the only one that could remove me as an authorized user. I told them that I have every right to request to be removed from an account that I wasn't aware of nor did I want it affecting my credit. They hung up on me. 

i called capital one at XXXX. 

I found out later that it was my husband account and that it was a card he doesn't use and doesn't even have a new card but he never had me on his card. I believe they added me without authorization and I believe if I see a card that comes in mail and Im unsure of it that I should have the right to remove me from accounts.
Product: Vehicle loan or lease

To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.
Product: Consumer Loan

I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive check my report and there is collections there I dont recognize these accounts
Product: Debt collection

It is on account twice with XXXX different amounts. The lower amount is correct due to me returning the equipment to XXXX.
Product: Vehicle loan or lease

My vehicle was sold and paid off on XX/XX/XXXX and an overpayment balance was left on my account to be refunded to me for the amount of {$2700.00}. I was then told I would receive a check in the mail for the amount of {$2600.00}. It was stated to me that there was a balance left on the account after the payoff was received on time before the payoff expired. I was then told they wouldnt release my money until after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/XXXX, I started to receive charges from a hacked/phished account for XXXXXXXX XXXX  XXXX Upon seeing the ads that were running, I called Chase Bank to report the fraudulent activity. At the time of my call, the charges were $ XXXX {$50.00}. My instinct was to close the card, but the representative at Chase Bank 's Fraud Department advised me to remove/block XXXX Wallet to stop the charges and to contact XXXXXXXX XXXX to resolve the issue. I followed this advice, believing the charges would be blocked, and I filed a case with XXXX. However, when I checked my card later in the day, I had nearly {$1000.00} in charges that were not blocked. So, I froze the card myself online and informed Chase that I was disputing the charges, explaining that all except for {$4.00} were fraudulent. 

My XXXX case was " passed to a special team, '' and for about 45 days, I received messages stating they were actively investigating. In XXXX, I received a message from the team saying the investigation was ongoing but that they had to close my ticket for internal compliance reasons. They then asked if my issue was resolved and closed the case for no response. These messages came at XXXX XXXX, and the ticket was closed at XXXX XXXX  the same day, essentially closing communication because I wasn't actively reading the messages between XXXX XXXX  and XXXX XXXX. 

I checked to see if my issue was resolved by logging into my XXXX XXXX account. The accounts were cleared, the fraudulent accounts were removed, and my balance was XXXX. I incorrectly assumed the issue was resolved until Chase Bank 's Fraud Department called me, stating that the XXXX charges were valid and that I must pay roughly {$850.00}. 

I have escalated this issue with Chase, questioning why billing from XXXX was allowed to continue despite following their advice. The representative made me believe that the solution provided would allow me to fairly dispute the charges without the continuation of fraud. 

Now, XXXX customer service claims they can not verify the charges or the account, which they removed. Despite providing screenshots of my interactions and explaining the situation in detail, they continue to send closed response messages with no way to reply. I have gone through this cycle multiple times. 

While I took immediate action to resolve the issue, I was incorrectly advised by Chase 's Fraud Department, which has now left me responsible for these charges. Additionally, I am doubtful of the effectiveness of their fraud department, as I also received an accidental email intended for someone else going through fraud, revealing their name. As for XXXX, they slow-rolled the issue and disavowed it in the dead of night. This has left me with a feeling that both of these companies know how each other operates and my patience and belief in a resolution was used against me to leave me financially responsible.
Product: Credit card or prepaid card

I opened a secured credit card with XXXX in 2015 with limit of {$200.00} dollars. The credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score.
Product: Credit reporting or other personal consumer reports

Notice To Sue from XX/XX/2024 Final Request To Remove Or Delete disputed accounts and Resolution. 
To whom it may concern, I am writing regarding the continued detailed accounts below, for which I have received yet another generic response, the same response as usual from Experian Credit Reporting Agency. 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 XXXXXXXX XXXX This letter marks another attempt in a series of communications aimed at resolving this issue. The lack of a thorough investigation in this matter by Experian Credit Bureau is not only frustrating, but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously considering the involvement of my consumer rights attorney to assess potential violation of my rights. This is a final appeal for Experian Credit Bureau to correct or remove the inaccurate information on my credit report. Failure to address this issue satisfactory, will compel me to pursue all legal available avenues, including filing complaints with the Justice Department, office of the Comptroller of currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for credit reporting, as well as my State Senator, Congress, the National Association of Consumer Advocates, and the National Consumer Law League. The resolution in this matter now rest with Experian as they requested to get these disputed accounts removed from my credit file and Experian still did not correct my credit file. 15 USC 1681 ( I ) ( 5 ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, or incomplete or can not be verified, the consumer reporting agency shall promptly remove or delete the item of information from consumer 's file or modify that item of information as appropriate based on the results of the reinvestigation. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

List of Accounts being challenged : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for a Chase credit card on XX/XX/2022. I was denied and given an adverse action notice that states information from XXXX was used to make their decision. However, my XXXX credit report was also pulled and resulted in a hard inquiry there too without being listed on the adverse action notice. There is no permissible purpose for pulling my XXXX credit report because it wasn't even used in their decision, as my application was instantly denied upon determining I had five or more credit card accounts opened within the past two years based off of my XXXX credit report. If I had frozen my XXXX credit report, this hard inquiry would have never happened because only my XXXX credit report was used to make a decision and the application would have gone through just fine. Additionally, XXXX refuses to accept my dispute for a hard inquiry even after submitting a CFPB complaint to them, instead forcing me to dispute directly with the furnisher, which just leads to another CFPB complaint except this time for the furnisher.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days