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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXXXXXX  with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

i received a letter dated XX/XX/2018 from Chase Bank stating that they were ending their relationship with me and that my 3 bank accounts ( 2 checking and 1 savings ) would be closed by XX/XX/2018 and that my credit card with them would be closed effective immediately. i have been a customer of the bank for over 20 years, run high cash balances, never had an issue with overdraft, negative balances, non payments or anything else i can think of. the letter did not reveal the issue for the termination. There was no warning or communication from them prior to receiving the letter. 

when i reached out to the bank - both through my local branch as well as the number provided on the letter, they reiterated they had the right to end any relationship they wanted and were under no obligation to declare a reason. they were completely unhelpful and just stonewalled me behind privacy and secrecy rules. This is not how banks should be treating very long term customers. 

I am concerned that there may be something sinister at play here - false identity, identity theft, faulty credit reporting, or just a plain mistake, whether it is clerical or a computer. If there truly is a problem with my account, i feel that they should explain the issue so that it can be fixed and not impact me going forward at another financial institution. 

obviously i am looking to get this decision overturned, but at a minimum at least get a reason for the termination so i can determine whether there has been any fraud in my name or if i have a problem that needs to be fixed going forward.
Product: Credit reporting or other personal consumer reports

Back around XXXX of XXXX, again in XXXX of XXXX, and again today on XX/XX/XXXX, TransUnion has continued to block my access to my login- or ANY of my credit report information. When I called the tech support line, I was met with a total lockout even after completely changing my account. I can not update any information, see my credit report, or address anything that needs correction. I was asked if I used XXXX, as " safety lockouts '' are common in XXXX, but I use XXXX. It appears I'm not even allowed to check when my last freeze was, and I am in the dark about what has and hasn't been reported to my TransUnion report.
Product: Mortgage

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit card or prepaid card

On XX/XX/2023 my son alerted me concerning an email that he had just received from Wells Fargo Bank informing him that my application for a credit card had been approved with a credit line of {$15000.00}. I have not applied for any credit cards and I thought it was odd that the bank would send the message to my son 's email address, not mine. I have contacted Wells Fargo and they transferred my call to their fraud department. They closed the account and said they were going to start an investigation.
Product: Checking or savings account

On or about XX/XX/XXXX. I attempted to deposit a cashier check from another bank to pay off a car loan. The branch never contacted me to inform me there was an issue. When I contacted the branch about my funds they said the check was no good. If I went to the branch they could take care of the situation. Upon arrival they said they already overnighted the check me. It took approximately another week to get a certified copy of the check not the original back. Because of this I incurred interest from the original loan.
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see an unauthorized inquiry on my credit report, and I dont understand how or why it appeared. I checked my report as I normally do, only to find a discrepancy that shouldnt be there. I tried refreshing the page, but the issue persisted, proving that this isnt just a temporary error. This has caused me significant frustration, and I demand that my submitted documents be reviewed thoroughly so I can finally put this issue to rest.
Product: Student loan

I paid of my students loans to MOHELA, they transitioned their online services but did not credit the {$7300.00} XXXX paid them before they transitioned their service. I had received an email indicating that I have paid in full. When I log into their new web account, my balance is still showing that I need to pay them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

On XX/XX/year> I made my payment of {$300.00} which covers my loan and Insurance to cover the vehicle because I am unable to afford auto insurance at this time. An hour later I received a call from a lady saying I needed to pay {$200.00} more because their insurance rates when up, when I disputed the charges and told her I never received anything in writing, she proceeded to tell me how she has to pay for insurance on her two cars!! I told her I'm low income and had to wait till my check came in, she got irate with me so I hung up on her. XX/XX/year> I received a call from a gentleman who said he was in collections and I needed to pay {$200.00}. I mentioned how they are a predatory lender, he said nobody else gave us a loan then he laughed at me when I said I'd go to another lender like I was a stupid poor person who can't afford help from anyone but them! I am a XXXX XXXX  for my XXXX wife who needs the vehicle, I make my payment every month without fail and we never received anything stating our payment was going up {$200.00}. I don't believe my credit should be attached considering I'm not even a month late.

Original payments were {$260.00} Then {$310.00} to include insurance Now {$500.00} for payment and insurance, the lady said rates went up and the guy said to include insurance. None of this doesn't make sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX.
Product: Debt collection

Dear Consumer Financial Protection Bureau, Acct Number XXXX I am writing to formally dispute a matter involving [ Collection Agency 's Name ] regarding an outstanding debt that they are attempting to collect from me. I have previously requested documentation pertaining to the purchasing agreement associated with this debt, specifically a copy of the original agreement, but have not received any response or the requested documentation. 

On XXXX XXXX I contacted XXXXXXXX XXXX via, phone to request a copy of the purchasing agreement letter, as I believe it is my right to verify the legitimacy of the debt being claimed. Despite my efforts, I have not received any correspondence or documentation from them. 

This lack of response not only raises concerns about the validity of the debt but also appears to be a violation of my rights under the Fair Debt Collection Practices Act. I kindly ask the CFPB to investigate this matter and assist in resolving it. 



Thank you for your attention to this matter. I look forward to your prompt response
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 1681. 
USDOE/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 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 card

I applied for a Apple Card Goldman Sachs on XX/XX/XXXX and was denied. Regardless of the reason for being denied under the Equal Opportunity Act and Consumer Credit Protection Act, denying me access to my credit is discrimination and fraudulent. I have the right to credit, withholding access to my securities, is security fraud. Since they are denying me my credits I would like my application retracted. 

On XX/XX/XXXX and XX/XX/XXXX my application with XXXX XXXX XXXX XXXX were denied twice. Regardless the fact or reason for denying me, they also in violation and discriminating me in the Equal Opportunity Act and Consumer Protection Act. Since I was denied my credits I want my applications retracted also. And compensated from both companies with full faith and credit. 

Thank you : agent and beneficiary
Product: Mortgage

I filed for a modification of my loan last year, completed the trial paymentsakeing them all, and in XX/XX/XXXX Bayview Loan Services came up with a collection on a title search that was never found before of me owing back child support. I gave them the judgement by a iowa judge stating I dont owe, they didnt accept the court order, I filed for a new modification, and requested a reconsideration of the first, I submitted all docs that they requested and they have dragged there feet at every turn, not returning calls, request for information at all, I filled a complaint with CFPB just over a week ago, after this I got a call from my old account manager that a new one was assigned, and the same thing as happens with ththe new account manager, not returning calls, calling at times that when I have told them I was working and so on. Yesterday I have receive the first corespondents since I have filed, only after the CFPB complaint, and the letter contradicts each other, asking for information that I have already given them, and they still intend on selling the house on the XX/XX/XXXX without giving me due process under the modification law.
Product: Credit card

Subject : Formal Complaint Regarding Inaccuracies in Credit Reporting by Experian Dear Sir or Madam, I am reaching out to file a formal complaint concerning ongoing inaccuracies in my credit report managed by Experian. Despite previous attempts to correct these errors through direct disputes, the inaccuracies persist, detrimentally affecting my credit score and overall financial standing. 

Details of the Dispute : XXXX Credit Card Account # XXXX : Status : Noted as " Discharged through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : The report incorrectly shows a charge-off in XX/XX/XXXX. Post-bankruptcy, the account should only reflect the discharge status without any derogatory marks. 
Dispute History : A dispute filed in XX/XX/XXXX was processed, but no changes were made. 
XXXX Credit Card Account # XXXX : Status : Recorded as " Discharged through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : This account similarly shows an erroneous charge-off in XX/XX/XXXX. 
Dispute History : Despite disputing in XX/XX/XXXX, the inaccuracies remain uncorrected. 
XXXX XXXX  Account # XXXX : Status : Updated as " XXXX through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : While the status update appears correct, I request verification that no post-discharge negative marks have been reported. 
Dispute History : This account was disputed and reportedly updated in XX/XX/XXXX ; further clarification on these updates and their adherence to discharge terms is necessary. 
Requested Actions : Review and Correction : I urge a comprehensive review and correction of these discrepancies. The records should unequivocally reflect " Discharged through Bankruptcy XXXX XXXX '' without subsequent derogatory marks. 
Documentation and Confirmation : I request that Experian provide updated documentation reflecting these corrections, along with a detailed report on the remedial actions undertaken. 
Compliance Check : I implore the CFPB to ensure Experian 's adherence to the Fair Credit Reporting Act ( FCRA ) and other pertinent consumer protection laws in accurately updating and maintaining credit report information. 
Enclosed are copies of supporting documents, including bankruptcy discharge paperwork, previous dispute correspondences, and credit report excerpts highlighting the discrepancies. 

Thank you for addressing this critical issue. I look forward to your swift response and assistance in resolving these inaccuracies. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$9900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding TransUnions failure to update my credit score in a timely manner. The last update to my credit score was in XX/XX/year>, and there has been no reflection of any changes since then. Under federal law, credit reporting agencies like TransUnion are required to maintain accurate and up-to-date credit reporting. The delay of three to four months in updating my credit score is not in compliance with these legal standards.
Product: Debt collection

I applied to Bank of America for a XXXX  loan of {$19000.00} and was given the loan. 
The requirement for forgiveness was that all the funds be used for employee payroll. 
100 % of the funds were used for payroll. 

When I applied for forgiveness Bank of America denied forgiveness and is requiring payment of almost the entire amount. 

If the forgive any amount over {$1.00} I can not appeal the decision with the XXXX. They are indicating a small forgiveness amount of {$2000.00}, thus I can not appeal. 

Can a Bank approve a loan, the funds used and then decide they want the money back in full?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Hard inquiries XXXX  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 didnt give written permission
Product: Credit card or prepaid card

I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to go apply for a credit card and XXXX XXXXXXXX XXXX bank pulled my credit, also did XXXX XXXX bank. 
I went to apply got a car loan and XXXXXXXX XXXX XXXX XXXX XXXX pulled me credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my Experian credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail XX/XX/year> dated XX/XX/year>. I had applied for a credit card and Experian sent me a response saying I was denied. Reference application # XXXX. My score decreased from 784 score to 663 in less than 2 years. I sent a request XX/XX/year>, per their guidelines, for my credit report to address what they are saying. XX/XX/year> I received a letter, not a credit report showing who was providing their low score. They checked and never told me who was reporting the problem. 
I need the credit report to show who or what is making my score so low.
Product: Mortgage

I paid off my loan with a wire transfer on XX/XX/2020. The mortgage servicer did not post the payoff until XX/XX/2020, costing me one day of interest.