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

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy. In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 
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

Ally Financial, They submitted my credit without my authorization, on XXXX/XXXX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Checking or savings account

I have had money taken from my account, showing on my statement like when an automatic propane machine at XXXX failed to disburse the product and after contacting the propane company they said they refunded the money but now there is no evidence of the money coming out or being refunded and was told by bank of america that when the money is refunded they remove it from my statement. Now I have no record of it coming out or being returned which has happened more than once, I do not believe the money was ever credited back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Statutory Damages Dear [ XXXX/Equifax/XXXX  ] XXXX am writing to formally request that my address be updated in your records to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I request that all other addresses currently associated with my credit file that are not accurate or current be removed. These addresses are outdated and no longer relevant to my financial profile. Also I am writing to formally dispute inaccurate information on my credit report that has caused significant harm to my creditworthiness. The CFPB lawsuits against XXXX and Equifax highlight the requirement for credit reporting agencies to ensure the highest level of accuracy in the data they report. As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you are required to maintain complete, accurate, and verifiable information on consumer credit files. 

I have identified several errors and inaccuracies on my credit report that have not been properly investigated despite previous disputes. These errors include ( but are not limited to ) : Charged-off accounts * inquiries that are unverifiable or inaccurate. 
Items reported that do not reflect the most accurate information available. 
Specific items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your failure to investigate and correct these inaccuracies is a direct violation of the FCRA and has caused financial harm, including lower credit scores and denial of credit opportunities. According to Section 1681n of the FCRA, I am entitled to statutory damages for your willful noncompliance with the law.
Product: Credit card or prepaid card

I DID NOT applied to any of the cards noted below : 1 ) On XX/XX/2018,  received a letter from XXXX 's informing me that credit card application is denied. The reason given is " too many credit bureau inquiries ''. The cards are for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Credit Card. The credit bureau is Experian. ( Please see # 1 ) 2 ) Also, on XX/XX/2018, received a letter from Bloomingdales 's informing me that credit card application is denied. The reason given is " because you were recently declined ''. The cards are for Bloomindales 's American Express Credit Card and Bloomingdale 's Credit Card. The credit bureau is XXXX. ( Please see # 2 ) Please note that the address is wrong. 

3 ) On XX/XX/2018 I received a letter from Bloomingdales again informing me that credit card application is denied. The reason this time is " Unable to verify identity information ''. The credit bureau is XXXX. ( Please see # 3 ) Please note that my last name and the address is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried again contact with Equifax XXXX XXXX and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I bank with Chime Bank online and have done so for about two years. On Friday, XX/XX/2021, early in the morning, I wrote an email to : XXXX to give them an update of my new phone number. Within fifteen minutes I received two emails stating that my account was now locked due to " suspicious activity ''. They went on to say that to get it unlocked I needed to submit my drivers license, front and back, copy of social security card, a selfie w/me holding my ID and a paper with my name and the current date. I submitted immediately and they later responded they could not read the selfie. I resubmitted the selfie and now, have done so at least four times but I think it is five times. My social security check goes to them via direct deposit and Friday was payday too. As of this time, they will not unlock my account, and no longer communicate with me. I have called and get shuffled to someone who states I will get a call back from a specialist but to date, I have not received one call. I have sent numerous emails aside from the ID ones stating that I need to pay bills and have no money. I am now past due on rent which will cost me an extra one hundred dollars, I am past due on my credit card so my credit is to affected poorly, I have absolutely no cash and nobody to borrow from. It is my belief they messed up from the start by locking my account when I simply asked to update my phone with a new number. There was no suspicious activity, and all the while they never asked me for my password or even my address of record. If the selfie was in fact not readable, the last one I sent in was taken by my landlord and was easily readable. I contacted them on XXXX last night and they responded saying they would get back to me but did not/have not. I am now desperate as I am flat broke. As far as I am concerned, Chime is irresponsible in their total disregard for my well-being. I am angry, I am sad and depressed, I am frustrated, I am resentful of their poor communication and they act like this is some kind of game but it is only me that loses here. To take control of my funds in such a manner is not the act of a valid fiduciary. I also had a small deposit of seventeen dollars rejected by them during this past week. I am at the point where I feel incapable of continued communication attempts without using foul language in expressing my sentiments. In a separate matter, a couple of weeks prior to all this, my phone was hacked via a " sim swap '' and I lost all my savings at a brokerage, that was my emergency money and because of that loss, having my account locked, has put me in a very bad situation. No bank should be allowed to jeopardize access to one 's money, and if it is in the name of security, it needs to be resolved at once. XXXX, Chime can go straight to XXXX! They need to open my account and should compensate me for having late rent fees due, and damaged credit as well!
Product: Credit reporting or other personal consumer reports

XXXXRe : Follow-Up Report - Unauthorized Reporting and Refusal to Opt Out** Dear [ CFPB ], I hope this letter finds you well. I am writing to follow up on my previous communication regarding the unauthorized reporting of my information and the company 's refusal to honor my request to opt out, as detailed in your report ( attached ). 

**Background : ** On [ XX/XX/XXXX ], I submitted a request to opt out of reporting as per the procedure outlined in your company 's report. The report explicitly mentions that authorization is required for opting out. However, to my dismay, your company has refused to fulfill this request, contrary to your own stated procedure. 

XXXXCompany 's Response : ** Despite the clear instructions in your report, I received communication on [ XX/XX/XXXX ] indicating that my request to opt out was denied. This raises concerns about compliance with the Privacy Act, USC 1681, and 6802, which I have previously highlighted. 

**Legal Violations : ** I want to reiterate the importance of complying with the Privacy Act and relevant U.S . Codes, which require adherence to the procedures outlined by the company itself. Failing to honor the opt-out request as per your own guidelines may constitute a violation of these regulations.

**Request for Resolution : ** I kindly request that [ XXXX XXXX ] promptly rectify this situation by honoring my request to opt out, as clearly outlined in your own report. This will not only ensure compliance with applicable laws but also demonstrate a commitment to ethical and lawful business practices. 

**Documented Evidence : ** Attached to this letter is a copy of your report, where it explicitly states the requirement for authorization to opt out. I believe this documentation reinforces the legitimacy of my request and the company 's obligation to adhere to its own procedures. 

**CC to Regulatory Bodies : ** As a consumer concerned about the proper handling of personal information, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I am committed to resolving this issue through appropriate channels. 

I trust that [ XXXX XXXX ] will take swift action to rectify this matter. Your cooperation in promptly addressing this concern will be appreciated. 

Thank you for your attention to this matter. 




Complaint number XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, 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 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
Product: Credit card

I signed up for the Apple Card in XXXX and fully paid off my balance in XXXX. However, an unnoticed {$2.00} interest charge remained due. I was unaware of this charge because Apple Card had an incorrect email on file, and despite signing up for paper statements, I never received them. Due to this, the charge went unpaid for three months, leading to a 90-day delinquency being reported on my credit file. 

Upon discovering this issue, I immediately contacted Apple Card to explain the situation and requested a correction. However, they refused to remove the delinquency. This single derogatory mark has significantly impacted my creditworthinessdespite maintaining a XXXX credit scoreresulting in lenders refusing to extend credit to me. The negative mark is set to remain on my credit report for seven years, all over a {$2.00} charge I was never properly notified about.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX {$530.00} Late Payment : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as old address reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  tried to illegally 5 day evict me in XXXX. My attorney, Ms. XXXX, and I went to court and fought it on XX/XX/XXXX. Case # XXXX in XXXX XXXX County. Since the eviction paperwork was done wrong and served to me wrong, the eviction was tossed out. No money owed and I moved out within the time frame. They are now illegally placing incorrect information on my credit report stating I owe them {$1700.00} dating XX/XX/XXXX.
Product: Debt collection

I had   XXXX   XXXX   with  XXXX   XXXX   XXXX   XXXX   XXXX . When I was on the middle of my treatment I have received an statement with a total balance that according my calculations I am not owing. I have requested another complete statement with all the charges and the payments received from my insurance and from me, since I started my   XXXX   XXXX  .   When I reviewed the statement at home, I realized that there are charges as " miscellaneous insurance refund '' and " miscellaneous credit adjustment '' that are not   XXXX   XXXX  . they added 3 times similar amounts that totalize more than {$1000.00}. I was very upset and I have informed them personally and also over the phone about the error and that I am requesting the corrections on the amounts added. I was surprised when I have heard other patient complaining about the " miscellaneous '' charges on the statement too. I did a research in the internet and I found other persons with complaints for similar situations with  XXXX . I concluded that the charges are fraudulent and they did the same thing to several patients. In additi on one payment that my insurance sent to them is not reflected on my account and they refused to  correct that. I have documented proof that I am not owing the amount that they are trying to collect. I am an honest person, I always pay the debts I owe, but I am not willing to pay fraudulent overcharges, I have pay them my treatment I am not owing anything.
Product: Mortgage

In XXXX I emailed my loan servicer XXXX XXXX XXXXsnsc.XXXX/ XXXX representative XXXXsnscXXXX  that my loan payments were not on my credit report. I was told previous servicer didnt report payment history ( not true ), I was told it took 6 months, I was told he had to put in request, I was told I had a late payment which would impact reporting ( no true ). I made a complaint to XXXX XXXX and had several communications, and no resolution other than advised to contact XXXX federal agencies. 
I never received a letter of SN Setviving response to letter from XXXX XXXX as advised I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : -XXXX  # XXXX, -CREDIT ACCEPTANCE CORPORATION # XXXX was REMOVED from my credit report and has been illegally reinserted back onto my credit report and this is a violation. I have a legal right to dispute the following account on my credit report : -XXXX  # XXXX -CREDIT ACCEPTANCE CORPORATION # XXXX
Product: Checking or savings account

I want to make you aware I submitted a copy of this complaint to my attorney ( XXXX XXXX XXXX ). I opened a business account on XX/XX/2023 for XXXX XXXX XXXX. I received my business debit cards and attempted to activate them last night and was unable to do so. I also could not log on to my online account. I called small business customer care this morning and was told I need to go in and verify myself and I will have access to my account. I went in to the branch XXXX XXXX XXXX XXXX, Pa XXXX. At the customer service counter I was told that the account was closed and no other explanation was given. Which made no sense to me, I didn't receive any emails, phone calls or texts from Bank of America before hand. So I left frustrated and immediately called small business customer service back. The representative asked me was I given an explanation I replied no she stated they closed it at the branch you just visited. Now I am livid, I showed my ID, XXXX XXXX and XXXX XXXX XXXX for the business on what grounds was it closed? No explanation was given, I was simply told they have the discretion to do so. Which is unacceptable without giving the consumer explanation. I went back to that branch to speak to the XXXX, XXXX XXXX, XXXX XXXX XXXX. I was very upset at this point. I was feeling misled and discriminated against. The manager explained in detailed that my account was documented on XX/XX/2023 that I had XXXX hours to go to branch and verify my identity and XX/XX/2023 the account was closed based on unable to verify identity. I had no correspondence pertaining to this XXXX hr window. My account was noted for me not to call customer support. No email, no calls or texts from Bank of America so how was I supposed to know this? I currently have another business account with BOFA and this was not the requirement for opening that account. It wasn't until I went back to the branch to speak with a manager before I would get the detailed explanation I should of gotten. In conclusion, I didn't get an apology or the issue hasn't been rectified. I was told at the branch that they could open an account it will be a XXXX hr wait time. This drastically affects my business today a wire transfer from another company was suppose to come in in the amount of XXXX. Which now this business opportunity is put on hold. XXXX XXXX maintains these deposits at least twice a week. We was considering moving all our business to BOFA. This looks very unprofessional on my behalf to the other company. With that being said I am filing an complaint with the CFPB as well as XXXX for the unsatisfactory business practices and how I was treated as a consumer. I no longer want to Bank with this company. We are also looking into further litigation with this matter. This took hours out of my day, I missed an important meeting this morning trying to get to BOFA to straighten my account. This was unacceptable business practice. I look forward to your response. Thank you in advance for your time and consideration with this matter.
Product: Debt collection

I.C Systems has repeatedly put this XXXX XXXXXXXX XXXX account onto my credit reports after providing proof of Identity Fraud and police report specifically with their company name on it. IC Systems has repeatedly had my name in their system trying to collect on this illegal debt. This account does not belong to me, I never opened it. I was XXXX  when this account was opened.