23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX received a phone call from XXXX XXXX ( First Horizon Bank- XXXX, stating she was placing a temporary hold on XXXX XXXX banking account. 
On XX/XX/XXXX XXXX XXXX gave authorization to XXXX XXXX and XXXX XXXX XXXX of Attorney. All paperwork has been notarized and and registered with XXXX XXXX offices. 
On XX/XX/XXXX told by XXXX XXXX that a letter from the doctors office would need to be submitted which was submitted on XX/XX/XXXX. 

XX/XX/XXXX told by XXXX XXXX that we would need to get an attorney because she and First Horizon Bank determined XXXX XXXX was not in her right frame of mind when she gave a the above power of attorney. Due to XXXX XXXX and First Horizon not allowing us to make decisions on the account XXXX XXXX has been scammed approximately {$15000.00}. 
The bank is a financial institution and not medical and should not be able to make decisions of ones mental status. XXXX XXXX informed us that we will need to get an attorney. However in the mean time the bank account is still open and risk the possibility of more money will be taken out of her account.
Product: Checking or savings account

On or about XXXX XXXX XXXX I was provided with a reward code from KeyBank for opening checking account ( reward code XXXX in the amount of {$200.00} dollars ). I also received a second reward code XXXX, in the month of XXXX XXXX XXXX, for opening a savings account in the amount of {$50.00} dollars. KeyBank had failed to comply with their advertising ads upon opening the accounts which I complied with their requirements to receive the rewards. However, due to KeyBank 's failure to process the reward code. I had to close the first checking account and request that the reward code be applied to the second opening of the checking account. Upon requiring about KeyBank, failure to process the reward code to the first opening of the checking account nor the reopening of the second checking account refused to comply with their advertising requirements nor complied to reward me for opening the saving account which had no issues. I stated that all requirements were met with checking account and saving account upon opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Office of Attorney General ( no acct # noted ) Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got not response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Equifax XXXX XXXX XXXX and XXXX each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Credit card or prepaid card

Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have three parts of the bill : standard purchases, promotional purchases, and easy pay contractual agreements for a fixed payment each month. The company policy is if a consumer wants to allocate payment a specific way, a consumer must call in and request an allocation of funds. On XX/XX/XXXX, I called XXXX in and spoke with a Paypal representative ID XXXX. All conversations should be recorded, as I was told. I made a payment of {$490.00} and ask to allocate the money as follows : 1. {$130.00} to close all my standard purchases ( meaning that balance that incurs interest should be XXXX  ) 2. {$40.00} to easy pay ( the initial agreement is {$40.00} on the XXXX of each month ) 3. {$320.00} to cover promotional charges. Paypal/SYNC took the money but never allocate the funds as requested. I called in on XX/XX/XXXX, and spoke with agent ID XXXX, then XX/XX/XXXX ( agent ID XXXX ),  then on XX/XX/XXXX ( agent ID XXXX ), and then XX/XX/XXXX spoke with XXXX. The requested allocation never occurred as requested. Only promotional charges were covered and the rest of the money went to easy pay account still leaving the standard purchases intact. Today, I received a new statement, and the bill shows that I still have the standard purchases of {$130.00}, meaning that interests were charged. I called PAYPAL/SYNC several times and sent them letters ( I also have copies ), but nothing has changed. It looks like SYNC is overcharging consumers or do some other actions that confuse consumers. I need SYNC to allocate payments as requested and stop charging me unnecessary interests on the purchases that should be paid on XX/XX/XXXX.
Product: Debt collection

On XX/XX/year> at XXXX PST, I received a voicemail from a Senior Account XXXX at American Express XXXX stating : This message is for ( my first & last name ). My name is XXXX, and I am a senior account specialist at American Express. You have not responded to my earlier attempt to reach you. Its important that you call me back to discuss your account at XXXX. I am available from Monday to Friday, XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX. Thank you. 

Concerned about the nature of the call, I returned the call and spoke to a representative. Upon connecting, I was asked to provide either the last four digits of my Social Security number or my date of birth. I expressed my discomfort with providing this information because I knew my account was in good standing and wanted to understand the purpose of the call first. 

After several minutes, the representative reviewed my account and shared correct information about my account and payment schedule. I confirmed that I already knew this information and asked whether there was an issue I needed to address. The representative then informed me that the call was likely a clerical error. 

This call caused unnecessary stress and raised concerns about my personal information being mishandled or misrepresented. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using false, deceptive, or misleading practices, including calling consumers without a legitimate reason or providing unclear information about the purpose of the contact ( 15 U.S.C. 1692e ).

I believe this call violated my consumer rights under the FDCPA, as I was contacted without a clear or valid reason. Additionally, being asked to provide sensitive information, such as the last four digits of my Social Security number or my date of birth, without justification raises concerns about privacy and data security. 

I request the CFPB investigate this matter and ensure appropriate action is taken to prevent similar incidents in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX 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: Debt collection

I went to a dentist and was offered the Care Credit Card I did n't know about a 6 month promotion or that the card had security on it that was {$50.00} per month. I made my usual requested payment and the balance got higher and higher along with the monthly payment. I have called them on several occasions closed the account had the card security taken off. All I can afford to pay is {$25.00} per month only for the services I received I explained this too them. I get call after call letter after letter.I stay on hold for hours and nothing is resolved. I will pay for the services I charged but not for the other interest and fees.
Product: Student loan

Under the CARES ACT I thought all student loans were in deferment? Yet NELNET is charging interstate 's to my accounts currently. I was on deferment plan and was never contacted on the update to what would be done under the CARES ACT with the loans so I assume the law protected interest being added to the accounts currently until year 's end. Also I have a persons name unrelated to myself or family that has his loan information mail being sent to my house. Are the accounts crossed? I show the balance being paid off yet I'm being billed still?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company and the credit bureau about this account. This account was opened back in 2015 and it has reached the statue of limitations for a closed account.
Product: Debt collection

Since Level One Law, or XXXX XXXX XXXX. never performed any of the services described in the XXXX of XXXX ( XXXX XXXX of the XXXX XXXX XXXX ) outlined in the contract we signed on XX/XX/year>, you are not entitled to the retention of these fees, and we are requesting their immediate return. In addition, as your company is currently under a preliminary injunction prohibiting you from taking these illegal advance fees, you are unable to fulfil your terms in our contract resulting in your breach of contract. Therefore, we are expecting the return of {$7000.00} within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is HSBC. I shows two different dates of XX/XX/17 and XX/XX/17. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion, and XXXX about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}, that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Payday loan, title loan, or personal loan

They claim my credit score is below 700, when actually it is above 710
Product: Credit reporting, credit repair services, or other personal consumer reports

I have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.
Product: Credit reporting

THERE ARE INQUIRES ON MY CREDIT REPORT THAT SHOULD BE REMOVED AND AS NOT BEEN DONE
Product: Debt collection

EASTERN ACCOUNT SYSTEMS ADDED A PAID OFF DEBT TO MY CREDIT REPORTED EVEN AFTER IT WAS PROVED THIS DEBT WAS NOT VALID. 
THE ACCOUNT WAS CLEARED IN XX/XX/XXXX AND THEY ILLEGATED THIS DEBT BY ADDING IT TO CONSUMER REPORT IN XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Citizens One. I did not open or authorize this account, and I have sent a request to Citizens One asking that the account be closed immediately. I also request that Citizens One absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the citizen 's one bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my XXXX XXXX and overall creditworthiness.
Product: Debt collection

The company replied, " We may not collect this debt, but you will have difficulty removing it from your credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX, an XXXX/XXXX  account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. XXXX, Equifax, XXXX, which was brought to XXXX XXXX XXXX XXXX Corporate attention in XXXX  New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, XXXX  will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from Equifax stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only XXXX XXXX XXXX at the time when all of this occurred.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX