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

To Whom It May Concern, I recently reviewed my Experian credit report dated XX/XX/XXXX, and identified multiple inaccuracies, incomplete information, and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The following accounts and inquiries violate my federally protected rights under 15 U.S.C. 1681 : Accounts with Inaccurate or Unverifiable Information XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX  XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX XXXX XXXX XXXX XXXX Inaccurate and unverifiable. 
XXXX  # XXXX Inaccurate and unverifiable. 
XXXX XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX XXXX XXXX # XXXX Date of last payment and date opened inaccurate. 
Unauthorized Inquiries XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Violations of the Fair Credit Reporting Act ( FCRA ) Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of information. These accounts and inquiries violate this standard by reporting incomplete, inaccurate, or unverifiable data.

Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : If disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency must : ( i ) Promptly delete or modify the inaccurate item in the consumers file.

( ii ) Notify the furnisher of the modification or deletion.

Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from providing any information they know or have reasonable cause to believe is inaccurate.

Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : A person or agency shall not furnish inaccurate information if they know or have reasonable cause to believe it is inaccurate.

Demand for Immediate Deletion Given the violations outlined above, I demand the following : Immediate removal of all inaccurate, incomplete, or unverifiable accounts and inquiries from my credit report. 
Notification to all furnishers that the listed information has been deleted from my file. 
Written confirmation that all inaccurate or unverifiable information has been permanently deleted and will not reappear on my report. 
Failure to comply with these requests will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of my rights under the FCRA. 

Thank you for your prompt attention to this matter. I expect resolution and written confirmation within the statutory time limit outlined under the FCRA.
Product: Credit reporting or other personal consumer reports

I have consistently contested the inaccuracies in the following information with XXXX, Experian and XXXX, and unfortunately, the issue remains unresolved to this day. 

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XACTUS Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

My parents continuously get phone calls from Portfolio Recovery! They harass and call there phone several times a week. I have n't lived at this previous address or with them for over 25 years. They have even contacted my brother. This needs to stop!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submission, Equifax consistently responds within 24 hours stating the accounts are accurate. without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 which mandates a reasonable investigation of disputes, Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPB ), 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Hello. My wife and I took advantage of the mortgage federal forbearance period with Chase Bank. We stayed in frequent contact and everything was fine until we exited the forbearance period. I was told by chase mort reps on the direct line several times after making the first month payment we would be able to setup auto draft for the 2nd month onward ( XXXX ). I was just told this would now be impossible until XXXX. 1 issue is the payment was applied to a date several months behind and not the current month of XXXX. This is exactly opposite of what a rep said while taking my payment for XXXX We'll ignore the lying good/bad intended for now. The 2nd issue is with auto draft we can pay half the mortgage every 2 weeks. This helps our family budget out finances, save, and pay debt faster on those 3 paycheck months. By not having access to this auto draft in XXXX ( which was promised and assured as fact by several diff chase reps on diff days over months leading to our exiting forbearance ) we are now being put into a costly short term financial situation. We asked chase how this process would work so we all would be clear. Now they are saying different things based on the day, ignoring the words of licensed agents on previously recorded lines, and being extremely ambiguous, circular, & confusing in how we are supposed to pay the note current. This is either a mortgage servicing company blatantly trying to take advantage of federal ambiguity to recover its own book numbers by fudging dates/payments or sheer incompetence by nervous licensed call reps who say whatever they want to get the caller off the line. The reps and/or servicing dept are XXXX. As a fellow financier with multiple licenses I find this both insulting and disgusting. It gives all of us a bad name. If we were told to expect a full monthly payment we would have planned on it. We were told a half biweekly was going to happen.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

they have charged me fees without me knowing such as late fees and returned check fees they are rude to me their customer service when speaking with them and asking them if as a courtesy they could waive it they say no immediately not fair they treat me horrible and i always make my payments on time
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my credit report, I noticed a credit inquiry by GreenSky Installment dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they serviced the account on behalf of XXXX XXXX which I am not familiar with. They concluded their correspondence by reporting that the account was verified. I sent a second letter via certified mail to GreenSky that was received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and more than 90 days since my initial communication ), GreenSky has not responded to my request for verification procedures and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
Product: Credit card

I received an email from XXXX XXXX that there had been a hard inquiry on my credit by capital one bank where I have never and do not currently hold any accounts. The bank was unable to provide details of when and who attempted to open this account, couldnt locate this account nor the application, nor who authorized the hard inquiry. I have placed freezes at each credit bureau and filed an identity theft report.
Product: Mortgage

Chase has committed several errors related to my mortgage loan # XXXX and I request they conduct a reasonable investigation and correct these mistakes immediately including : They have falsely and incorrectly claimed that I am behind on this mortgage when I have made every payment that is due under the terms of my loan. I have made on-time payments on the loan since I took the mortgage loan and have made direct payments to Chase and its predecessors from my banks bill-pay system from XXXX, 2020 through XXXX 2020. Chase is reporting contrary, negative information to me and the credit reporting agencies that is false and deceptive. I have provided proof of payment to more than one person at Chase, most recently XXXX XXXX, escalation supervisor. I have been told repeatedly that Chase is relying on information provided by XXXX ( the predecessor to Chase ). I have provided proof to Chase that XXXX XXXX records are incorrect, including most recently a letter from XXXX admitting the errors I have pointed out and confirming I was up to date when the loan was transferred to Chase. 

Chase is currently reporting to the credit reporting bureaus that I am late on my mortgage payments when I have paid all the mortgage payments due on my loan to them and their predecessor. I have also received repeated calls from Chase 's Account Services requesting payment for the alleged late payment. Chase is aware that the records they received from XXXX  are inaccurate and they should correct them without further delay and to report that inaccurate information into the data marketplace by the credit reporting agencies..
Product: Payday loan, title loan, or personal loan

I received a letter with a check for XXXX dollars as part of a pre-approved loan. I never asked for the load nor applied for any loans in last 2 years. The terms in the back are as follows : Annual Percentage Rate : 88.76 % Finance Charge : {$450.00} Amount Financed : XXXX Total of Payments : XXXX This seems really like a predatory practice as it comes right around the time of a stimulus that will give people about this much or a little more. They interest rate is just out of this world.
Product: Mortgage

I was making my mortgage on time and then a person called me on my phone from  XXXX  they told me not to pay the bank so i make payments to them each month a total of {$6000.00}. Then they told me I did not qualify because I was working off the books on my job. Then I started working with the  XXXX  and now I am a  XXXX   XXXX  for about 3 years now.   First my loan was with  XXXX   XXXX , then  XXXX   XXXX   XXXX , then  XXXX  and now Seterus.     Each bank I send all papers all paystubs everything they want.   Then I receive a letter from Seterus saying I could not get the modification because I did not give them the initial payment. They never sent me anything about the trial payments. Please help me save my home.
Product: Credit card

This is my second time submitting this claim, because American Express responded to my first claim as my name did not match. 
My name is XXXX XXXX, and I have a XXXX XXXX American Express credit card ending XXXX with a credit limit of {$1000.00}. 
I am writing to formally dispute the increase in the annual fee on my American Express credit card ending XXXX. I was surprised to find that the annual fee has been increased to {$650.00} without my prior acknowledgment or agreement. 

I contacted them through their online chat and explained that I was not aware of this increase, nor did I agree to it. I requested a confirmation, but the American Express online chat representative could not validate or confirm that I have agreed to the increase. See attached conversation dated Saturday XX/XX/year>. 
The representative said : " On XXXX XX/XX/year> we increased the annual fee to {$650.00} '' Then said : " We've sent you communication last XX/XX/XXXX ''. It is unfair, and I find it highly deceptive trade practice to increase annual fees 50 % greater than my credit limit. 

To comply with the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Bureau laws, I am requesting : 1. Documentation that substantiates my Acknowledgment and Agreement to annual fee of {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an auto lease in full with Ally Auto in XX/XX/XXXX. In XXXX, they reported to the credit agencies that my account was closed. One week later, ALL 3 credit agencies slashed over XXXX points from my credit score. All 3 agencies indicated this account was a settlement for less than the full amount. That is not correct - the full amount was paid.. I called Ally Auto on XX/XX/XXXX and discussed. My point is that all 3 credit agencies took the same action at the same time based on the report sent by Ally Auto. Only something in their report could have precipitated the same action by the credit agencies. I told their representative my expectation was that Ally would communicate with the credit agencies to correct my report. The rep told me their report only stated the account was paid in full, and it was my responsibility to fix the problem. I strongly disagree. I have no information I can provide the credit reporting agencies that will change their action. Only XXXX XXXX can speak authoritatively to how the account was closed and the wording in their report to the credit agencies. I am also appalled that the credit agencies have the authority to slash a credit score for one possible minor infraction. WOW!
Product: Credit reporting or other personal consumer reports

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my 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 I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Product: Money transfer, virtual currency, or money service

I contacted a XXXX account that was advertising rent stabilized apartments for rent at affordable prices. In my XXXX  I reached with interest in seeing the apartments that were available. I was XXXX and sent {$150.00} dollars for an application fee that was told would be used towards the apartment. Several days passed and was transferred over to the property supervisor who asked for XXXX as a security deposit. They said that they were able to reduce the security deposit by 50 %. I was already suspicious since I already paid them money before I was even able to see the apartment. So instead I requested the money and was moved onto the next stage without question. They were using the names XXXX XXXX, XXXX XXXX, and XXXX XXXX. There were also a few XXXX accounts they used to receive money, all using different names and accounts that may have been stolen. Luckily I did not send them my SSN but they had a website that was used to collect all of that information. XXXX They were using stock photos of women and pretended to be an actual real estate agent that that is relatively local to the area. 
They used XXXX XXXX letterheads on a document that seemed legitimate at first glance. 
They communicated through XXXX and XXXX using business accounts. When I confronted them they seemingly disappeared. 
I have the names and phone numbers they were using to conduct the scam.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XX/XX/XXXX
Product: Debt collection

SCA Collections has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and XXXX. 

Her private doctors office reffered her to XXXX XXXX for tests. 
XXXX did not take down her insurance info and correct mailing address from the Doctors office. I never got any mail. I had moved out of XXXX XXXX and was living at XXXX XXXX XXXX, # XXXX XXXX XXXX CA XXXX. My doctors office was given this address at that time. 

In addition, XXXX did not bill my XXXX XXXX insurance, even though my doctors office had her insurance info and sent it to XXXX. 

In the end the insurance company ended up paying the bills. This collection account should have been removed. 

Also, the credit bureaus are showing different original amounts. They put on account after 90 days, by law they are required to give client 6 months before reporting a medical collection. These are serious violations under the FCRA. 

The accounts information is as follows : Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$500.00}. 
Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$470.00}. 

This situation has caused me several damages and violations that I have suffered, I demand to get the accounts removed from my records ( from all three credit reporting agencies ) in 30 days. 

See attached documents. 

Thank you.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. SOUTHWEST CREDIT SYSTEMS LP {$480.00}