23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tn XXXX XXXX XXXX Legal Notice Please take notice to whom it may concern On the the date of XX/XX/2023 XXXX of Ally Bank opened a financially sealed file that did not contain her legal information then proceeded to view the document and made a decision of denial as a determination to the credited account, co-signed by XXXX XXXX creditworthiness, due to my knowledge XXXX was looking for a performance certificate, in which the the company is credited when the application was accepted as in good faith the company has failed a moral duty in financial banking there was not a remedy provided nor an procedure for the denial. Furthermore the laws govern by the secured party creditor on connected banking, understanding of being credited. 

15 USC subsection 1231 ( g ) 12 USC ( a ) I have a right to credit as the Secured party creditor, withholding credit from the Principal ( s ) and/or the asset ( s ) to my securities is security fraud. You are violating The Equal Credit Protection Act, The Fair Credit Reporting Act, The Gramm-Leach-Bliley Act and the Social Security Administration Act and XXXX  XXXX  XXXX since I have been denied, please retract my application and take notice of the 2nd part of this notice in which the account has provided an SSN on the record and for the record. 

Adverse Action *U.C.C 9-507 *FRCA 15 U.S.C 1681 ( A ) section 2 *Truth in lending USC 1605 *15 U.S.C 6802 ( a ) Notice Requirement in subsection 2 *31 U.S.C subsection XXXX *Title 15 U.S.C subsection 1605 - Determination of finance charge *15 U.S.C subsection 3123 - Payment of obligations and interest on the public debt *15 U.S. Code 1666b - Timing of payments *31 U.S. Code 5312 - Definitions and application *15 U.S.C 1692j - Furnishing certain deceptive forms At this time XXXX XXXX is requesting a refund of XXXX XXXX securities to be released past, present and future to said above account. 

FRCA 15 U.S.C 1681 ( A ) section 2 : States Transactions, experiences, and marks are to be excluded from the report. 

Furthermore, XXXX U.S.C XXXX - UNITED STATES payment of obligations and interest on the public debt and HJR XXXX. 
XXXX XXXX XXXX XXXX - Scope of prohibition a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction XXXX has committed an adverse action and document fraud. 

For remedy we are asking for the vehicle ( XXXX ) to be funded in full and the inquiry removed off the credit report. 

XXXX XXXX XXXX - CONTROL OF LETTER-OF-CREDIT RIGHT Please give notice to this Legal Notice in completion of request XXXX days any questions or concerns contact XXXX XXXX at ( XXXX ) XXXX or Email XXXX XXXX Best regards, : XXXX XXXX secured party creditor Attorney in fact for XXXX XXXX
Product: Credit card or prepaid card

I received a denial letter from Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
- I never applied - I called to raise this concern. They checked and responded that they have no record. 
- My concern is How this happened and also the same could happen with other credit card companies. Is there any to monitor/stop it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber home loans is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with Caliber Home Loans but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with Caliber Home Loans. I have requested Caliber Home Loans to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for Caliber Home Loans to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and Caliber Home Loans to report the same data and it is inaccurate for both creditors to report the same data.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX is refusing to remove the late payments from two of my accounts with them. Even though XXXX XXXX mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with XXXX XXXX on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what XXXX XXXX agreed to, XXXX XXXX reinvestigated the account and decided that the late payments were going to stay. She stated that XXXX XXXX can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.
Product: Debt collection

Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Thank you for your time and help. 
Yes, I have two hard inquiries that show in my credit, that I didn't approve or remember applying for an application.

Here are the two inquiries that are incorrect and would like to remove them from my credit Please and thank you. 

Brclysbankde. 
inquiry from XXXX, XXXX XXXX, DE XXXX ( XXXX ) XXXX Brclysbankde inquiry from XXXX, XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Violation of FCRA XXXX XXXX Dear Experian, I am writing to formally lodge a complaint regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX XXXX XXXX ), which mandates credit bureaus to investigate disputes and provide proof of such investigations. 

Despite my repeated attempts to dispute the erroneous information on my credit report over the last year, you have failed to : XXXX. Conduct a reasonable reinvestigation of the disputed items, as required by law. 
XXXX. Provide proof of the reinvestigation process or any findings supporting the accuracy of the disputed information. 
XXXX. Correct or remove the inaccurate information from my credit report, which continues to negatively impact my creditworthiness. 

The inaccurate information appears to have been fraudulently placed on my credit report without my knowledge or consent. This failure to act violates FCRA XXXX XXXX and undermines the transparency and integrity of the credit reporting process. As a result, I have suffered financial harm, including a diminished credit score and the inability to access fair credit opportunities. 

I am requesting that you : XXXX. Immediately conduct a thorough reinvestigation of the disputed information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report. 
XXXX. Provide a detailed report of the reinvestigation process and findings. 
XXXX. Take corrective actions to ensure compliance with FCRA obligations in the future. 

Failure to address this matter promptly XXXX leave me no choice but to escalate this issue by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal action. 

Please confirm receipt of this complaint and provide a response within XXXX  days, as stipulated by the FCRA. You may contact me at XXXX or XXXX to discuss this matter further. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Made a report last year XXXX to Bank of America because of an unauthorized fraudulent charge made on debit card account in the amounts of XXXX & XXXX. I received the money back after calling them last year but I checked my account again few weeks later and it seems they placed temporary reversal on it when I needed the money most to pay for school textbooks.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Checking or savings account

My ex girlfriend somehow got into my XXXX account and ordered a bunch of stuff using my debit card thats attached to the account. I quickly contacted XXXX to get these orders cancelled because it is fraud and they told me theres nothing they can do because they already shipped and If I can get these items from her I can return them for a refund but I she refuses to give anything back. I quickly removed my cards from my account and changed my password but I dont know what to do in regards to getting my refund. I didnt allow these purchase and Im just not sure what to do The amounts are {$74.00} on XX/XX/2024, {$57.00} on XX/XX/2024, {$27.00} XX/XX/2024 And {$25.00} on XX/XX/2024
Product: Debt collection

I submitted a cfpb report, they responded and asked me to send them my FTC report. I did that, I never heard back and its still reporting to credit bureaus.
Product: Checking or savings account

I logged onto the Capital One mobile app on XX/XX/XXXX to transfer money from my external checking account to my Capital One money market account, as I do each time I get paid. I authorized one transaction of {$1000.00} and immediately received a confirmation email ( confirm # 134 ). The next day, I noticed 2 pending withdrawals on my external account and it also showed this way on Capital One 's app as well. Again, I only completed one transfer and received one confirmation email. I called Capital One  the morning of XX/XX/19 and explained what happened. They initiated a transfer to put back the unauthorized payment. I asked for an explanation of why this happened ... was it a system glitch, did someone access my account, etc. The rep could not provide me an answer. I asked that it be escalated and I be called back with an explanation. He would not do so for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I notified Equifax via certified mail that several accounts listed on my credit report were a result of identity theft. I included an identity theft report and applicable statutory guidance regarding their action. To date, items remain on my account. Additionally there are other incorrect information listed. 

Last week, I sent Equifax another certified letter demanding all fraudulent accounts be immediately removed from credit file. Equifax has now placed these accounts in dispute in lieu of removal. This is illegal and highly unethical. Equifax must be mandated to adhere to the law surrounding identity theft, especially, since it likely a result of their breech. 

At this point, Equifax has ignored all attempts to correct my credit file. Please take immediate actions against them. 

Included in my initial letters were letter requesting Equifax to remove fradulanet accounts, proof of identity, copy of my identity theft report and law that governs credit reporting responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a online dispute with Equifax, and the experience has been horrible. I received a dispute confirmation # XXXX. I explained to the company that I did not authorized any credit checks. I also explained I notified each company and havent received a response. I asked Equifax if the inquiries records are correct show proof that I did. I also tried to explain there several people in the same household with the same name and dob. Once the dispute was generated within hours I received a confirmation stating all the inquiries I disputed are correctly report. How does a company conduct a investigation into so many inquiries that quick Dosent make sense seems like no live person looked into my dispute sounds computer generated.
Product: Debt collection

I am XXXX and in poor health. Though on the Do Not Call list, I continue to get recorded robocalls from this company. If i answer, they want to put me on hold. If I do not answer, they never leave a message. Caller ID shows Global Rec Sol. My research indicates they are agents of Global Receiving Solutions, a wholly owned subsidiary of Alorica. I have absolutely no business relationship with this company and have never owed a debt to them or any other company.
Product: Debt collection

I have been making payments to one advantage and they are not applying them to my account. The customer service rep said that have another other accounts not reflected on my credit report. I currently have an open dispute because they sent me verification for another person with similar name. They also have an account in which they list the first name of XXXX of my children and the last name is totally different. They said I have a balance of about {$1100.00} when all XXXX credit reports are showing only {$530.00}.
Product: Credit card or prepaid card

PNC Bank. allowed me to open a NEW VISA credit card on XX/XX/18. per the terms I agreed to online during the application process it stated that I would receive balance transfers at ZERO percent rate for 18 months. PNC terms show that the transfer could take up to 10 business days to be completed. Account was opened and the balance that was transferred ( from XXXX XXXX ) showed as debt on my PNC account ( as expected ) as of XX/XX/18. However after a little over a week my XXXX XXXX card ( that the transfer was to be paying off ) had still not received payment. So I called PNC on XX/XX/18 for a status update. They advised me that due to it being a new account that the balance transfer would be held for 15 calendar days, and then sent out. once it was sent out, it could an additional 10 business days. this 15 day HOLD was never disclosed at anytime to me. Also the main issues, that I find downright criminal, is that PNC is able to show my balance transfer as being an owed debt on their account when they acknowledge that it could still be on my other non PNC account ( XXXX XXXX ) for at LEAST 2 weeks, and possibly an entire MONTH. This already has affected my credit score, as my credit usage percentage, as well as my debt to income ratio has been inaccurately reported due to PNC claiming a debt for the balance transfer on their account that they have told me is not paid on my XXXX account. as of Monday XX/XX/18. I have XXXX balance on my XXXX, and the EXACT SAME XXXX on my PNC account ( that was to be transferred ). PNC has told me that they have not, and will not send out payment for 15 calendar days. So I feel they should not be able to claim my debt as theirs through balance transfer until the send out payment. Also I would like them investigated for another issue with the same card, in regards to billing statements. My card was opened on XX/XX/18. My first billing statement closed on XX/XX/18. this hardly seems legal, a 16 day billing statement? that's unheard of.