23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past 60 days, I have disputed accounts that are the result of identity theft. Both times, Experian has accused me of utilizing a third party such as a credit repair company. I have sent additional letters & called with documentation proving that I am NOT in fact using a third party. 

This experience has been very hurtful to my finances as well as my consumer report.
Product: Mortgage

Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this " trial '' period I could only make payments in the amount due even though I offered to pay more, even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan, only the amount due each month. Even though my loan was approved, the bank then submitted a delinquent notice to the credit agencies. In turn my credit rating quickly dropped from XXXX XXXX very good XXXX to XXXX XXXX fair ). I have responded to all bank requirements regarding this loan in order to avoid any negative credit reporting. The bank did not advise me that upon loan extension approval that I would be reported as delinquent. The bank misrepresented the consequence of the loan extension and unfairly and unjustly damaged my credit rating. I feel that consumers need to be protected against such improper banking practices. Full transparency must be a requirement. I request that the Bank of America be required to fully disclose their delinquent and unfair handling of my account so that I can restore my very good credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Late Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00}
Product: Checking or savings account

I previously made a complaint about this disputed transaction and still unhappy with the outcome. They gave me provisional credit and charged me back again. The issue is that I disputed the transaction of {$50.00} because the merchant refused a refund. I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXX XXXX. The second time around they sent me another letter saying they were charging back the provisional credit because there was still not enough information. They asked for the same information and I sent them all the information they needed through email. I am not sure why they keep refusing my dispute when my claim is valid. I am not satisfied with the service and the decision they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$710.00} XXXX XXXX XXXX XXXX Opened Sep. XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3.00} XXXX XXXX AND XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


CLOSED : Account Name : XXXX XXXXXXXX XXXX SS Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Product: Checking or savings account

I received an email on XX/XX/2021 stating that Chime decided to close my checking and savings accounts effective immediately without any warning. I reached out to ask why my account was closed and how I can retrieve the money in my account. Chime responded that they can not disclose any detail. Since then I have contacted Chime multiple times asking for my account funds and they have not responded.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$9200.00} XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed 2 letters to the US DEPARTMENT OF EDUCATION addresses provided by XXXX and TransUnion to dispute, get my Delenquency date and have my account validated or ceased and desist as the LAW provides. Both certified letters were returned..TransUnion for months continues to furnish inaccurate, adverse, unauthorized non public personal information.which are violations of 1681 s2 A1 1681n 18USC 1928a US DEPARTMENT OF EDUCATION XXXX US DEPARTMENT OF EDUCATION XXXX These are effecting my ability to get business and personal credit and improve my financial
Product: Checking or savings account

I have a checking and savings account with Alliant Credit Union that I am very happy with. However, this past summer until very recently, due to XXXX XXXX XXXX I was not able to take specific medications for a registered XXXX. This affected me adversely as not being medicated forced me to accidentally overdraw the account and they have put an NSF warning on my account which means they hold my checks for 7 business days and this can sometimes extend to ten regular days. I have never deposited a bad check and until this time I had not had any NSF activity. I have provided medical documentation to corroborate this but the credit union has refused to reduce hold times for checks, but they did tell me verbally that i could call customer service and request that holds be released and that they would be accommodating. Recently, after depositing a bank closure check from another bank for {$400.00} I called customer service to request that the hold be released and I was told they required a letter from the other bank, which I then provided. But I was told it was insufficient. I feel that I am being treated differently possibly due to my XXXX and I feel that the credit union is not being fair to me about this. I have never deposited a bad check, I have provided proof that the check will clear with two separate emails from the third party bank to no avail.I feel that I have provided fair medical documentation that supports my contention that any prior NSF was accidental and the condition that caused it has been remedied by being medicated again. I feel I am being punished for something that was out of my control and i do not think this is fair. I have asked that 'courtesy pay ' be removed as an option going forward. I ask that Alliant once again assess this with my medical documentation and return my account to the state it would have been in had my medication for my XXXX not been suspended, which means removal of NSF warning, reduced or no hold times for checks, and removal of holds on any current pending checks. I do not think Alliant is doing this maliciously, but I do not think they are considering the medical documentation I have provided properly, and therefore, are inadvertently discrimination against me by doing so. I am currently temporarily unemployed and living pay check to pay check so this is causing me great difficulty.
Product: Credit card or prepaid card

I called Capital One today and spoke to XXXX in the account services department. He advised me that I was assessed a late fee for my XXXX payment. He then advised the late fee I assessed is the fee that has been reported negatively to the credit bureau. They are reporting me paying 30 or more days past due and that is incorrect. I have never paid 30 days past due. They are reporting me for a late fee and it needs to be reported correctly.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 
XXXX XXXX I Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Freedom Mortgage XXXX # XXXX Please explain why my statement dated XX/XX/XXXX for transaction Activity XX/XX/XXXX-XX/XX/XXXX has XXXX transactions which appear in the following transaction descriptions and why are transaction effective dates listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on this statement? 
1. Why are any figures listed in Payment Reversal? 
2. Why are any figures showing a minus sign in any area and then showing a plus? 
3. Why are any figures listed in Curtailment Rev? 
4. Why is $ XXXX listed under Fees paid dated XX/XX/XXXX and effective XX/XX/XXXX amortization schedule which I was not informed of any fees and did not agree to pay any fee when I ask for Freedom Mortgage to correct their mistakes when they falsely incorrectly reported me late to the credit bureaus. 
5. Date XX/XX/XXXX, under transaction Effective dates for XX/XX/XXXX, {$1200.00} appears six times, {$1100.00}, - {$100.00}, - {$100.00}, - {$10.00}, - {$1200.00}, - {$9400.00}, {$5000.00} appears once each. Why are these figures listed? Under Interest Paid to Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are listed. Why are past Months appearing for the date of XX/XX/XXXX? 

6. Why do any figures appear listed under the column Unapplied Funds? {$1200.00} is listed 5 times, {$2000.00}, {$1200.00} and - {$9400.00} is listed once each which all equal 0. 

During this statement period from XX/XX/XXXX through XX/XX/XXXX there were XXXX transactions. 
Freedoms auto debit for {$1200.00} paying {$1100.00} P & I and {$100.00} for principal only plus and additional principal only payment for {$5000.00}. 
The statement should show Freedom Mortgage 's auto debit for {$1200.00} on XX/XX/XXXX paying {$100.00} to principal only and {$1100.00} to P & I and an additional principal only payment for {$5000.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ori

ginal creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit score dropped 20 points recently and I did not know why. I pulled my most current credit report and found " National Credit Audit Corp '' from something from XXXX. It was reported XX/XX/XXXX but stated it was assigned XX/XX/XXXX. The creditor class states 'rental/lease ''. I do not know what this is about and why is this suddenly popping up five years later.
Product: Mortgage

We began the refinancing process with Chase XX/XX/XXXX, locking in our 4 % rate. Over the past 3 months, Chase has intermittently asked for documentation on my end to close the deal. In every instance, I have provided Chase with the requested documentation within 0-2 days. Every instance, Chase has led me to believe it was the last piece required before signing closing documentation. Fast forward to XXXX/XXXX/XXXX, I received what was to be the final request of home owners insurance documentation and provided it to Chase on XXXX/XXXX/XXXX. I find out on XXXX/XXXX/XXXX that Chase filed for an extension on my lock on XXXX/XXXX/XXXX without informing me at all, and now I will be charged with 0.375 points to pay for the extension. Contacting the Lending Manager lead to him basically " take it or leave it ''. So in a nutshell, Chase applies for a rate lock extension for absolutely no reason, and never informed me, and now is expecting me to pay 0.375 points ( roughly {$1400.00} ) to complete the refinancing process.
Product: Vehicle loan or lease

Description of Incident : On XX/XX/XXXX, I was involved in an XXXX. I promptly notified my lender, Mercedes Financial Loan Center, about the delay in payment due to ongoing disputes with XXXX XXXX. 

Key Events : XX/XX/XXXX : XXXX occurred. 
XX/XX/XXXX : Notified Mercedes Financial Loan Center about XXXX. 
XX/XX/XXXX : towed away for repairs. 
XX/XX/XXXX : Vehicle repairs completed by XXXX XXXX. 

Disputes and Complaints : Filed complaints against XXXX XXXX for improper repairs and bad faith practices ( XXXX XXXX XXXX XXXX XXXX XXXX 
Wreck Check XXXX report confirms improper repairs. 
Notified Mercedes Financial Loan Center about financial losses and expertise reports. 

Relevant Laws XXXX XXXX XXXX ( Repossession ) XXXX XXXX XXXX XXXX  ) ( Unfair Claims Settlement Practices ) XXXX XXXX ( a ) ( XXXX ) ( Bad Faith Insurance Practices ) Current Status : Mercedes Financial Loan Center intends to repossess my vehicle XX/XX/XXXX despite ongoing disputes with XXXX XXXX XXXX
Product: Credit card

I opened a GAP in-store credit card in XXXX. I made all my payments and maintained the card for many years. Then in Fall XXXX, GAP told me that I needed a replacement card. When the card arrived it was a VISA card, not an in-store card. I contacted them to explain that I never signed up for it and that I wanted my regular card back and they said that they had " upgraded '' me and that it was not possible to revert without cancelling this card. Understanding that cancelling my card would affect my credit rating I did n't do it. I know hold VISA card that I never applied to and am afraid to cancel. Please help.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions