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

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect XXXX*written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit card or prepaid card

XX/XX/XXXX Spoke to XXXX. I asked HOW DO PERMANET CREDITS APPEAR ON MY STATEMENTS? XXXX replys, THEY WILL SAY SECURITY ADJUSTMENTS. I respond Oh, I do not think I have ever had any of those on my account. XXXX, No you have not, WERE YOU EXPECTING ANY? See attatched Fraud Claim Letter. XX/XX/XXXX fraud claim date XX/XX/XXXX, XXXX {$470.00} Temporary Credits Made Permanet.??? See attatched XX/XX/XXXX statement TOTAL CREDITS {$340.00} all merchants credits. XX/XX/XXXX TOTAL CREDITS {$350.00} my payment. XX/XX/XXXX TOTAL CREDITS {$620.00} {$500.00} my payment {$110.00} merchants. XX/XX/XXXX TOTAL CREDITS {$48.00} merchants credits. XX/XX/XXXX TOTAL CREDITS {$450.00} {$77.00} my payment {$380.00} merchants XX/XX/XXXX TOTAL CREDITS {$910.00} all merchants credits. To XXXX I ASK, Where are USAA CREDITS TO REVERSE {$2.00}, XXXX * IF NO USAA CREDITS WERE EVER MADE PERMANET USAA STEALS MERCHANTS CREDITS OR MY PAYMENT AS THEY ARE THE ( ONLY CREDITS ON THE ACCOUNT ) AND THEN I GOT THE DIALTONE. THE TRUTH, WHOLE TRUTH, NOTHING BUT THE TRUTH, SO HELP ME XXXX.??? THERE ARE NO USAA CREDITS MADE PERMANET TO REVERSE.
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. 


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 XXXX XXXX XXXX XXXX XXXX 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

I obtained an Auto Loan from Capital One Auto Finance in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of Capital One Auto Finance, my name was not on the vehicle title. As a result of such, several years ago, I was arrested and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted Capital One Auto Finance, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, Capital One Auto Finance has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. Capital One Auto Finance reports Debt included in or discharged through Bankruptcy, which is incorrect. Capital One provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

Capital One has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.
Product: Student loan

To whom it may concern : I am writing to seek justification and clarity to a dated system that is in place to bury borrows in debt for life. The federal government currently system of re payment for student loans is one of the only entities that compounds interest daily and requires the borrower to repay all interest before paying down principal. In addition, the daily interest begins while a student is still in school while an individual is going through matriculation to attempt to improve their quality of life. I feel student loans should be handled similar to automobile and mortgage loans where additional money in surplus of monthly payment be applied to the principal.
Product: Mortgage

In XXXX of XXXX I received a letter stating that information was needed to verify comprehensive coverage of insurance of my property. This information was sent in multiple times to Roundpoint Mortgage Servicing through fax, email, as well as through their own website. However, through multiple phone calls and contacts with the company they claimed they did not receive this information. A policy was forced placed on my mortgage which I refused to pay. A late payment remark was made on my credit report XXXX well as my co-borrower 's credit report in XXXX of XXXX due to my refusal to pay the additional amount request by RPM Servicing ( Roundpoint Mortgage Servicing ). I was never given an opportunity to pay solely the principal and interest which I was obligated to pay until beyond the original payment being in excess of 30 days late. Multiple attempts were made to fulfill my obligation to RPM Servicing prior to the 30 days delinquency. Currently I am attempting to make my XXXX payment and they manner the previous payments have been applied does not allow them to do this in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I bank with venmo where I get my direct deposits for my work and have a debit card with a checking account linked. On XX/XX/2022 I logged in and I received a notification stating that my account was suspended due to violations of their user agreement which I know I have not done. I hadn't even used the account in over a week at this point and all I use it for is to receive my paychecks and buy things from XXXX XXXX and other reputable companies. I really don't ever send money to people so I know it can't be that and I know it can't be anything that I've done as they told me so themselves. I turned in my ID like they requested but they still have not released my funds and are saying that it could be over a month before they even get back to me. They have over {$1000.00} that they are withholding and not letting me transfer even though it arrived after my account was suspended when they probably should have not accepted that direct deposit if my account was frozen in the first place. I'm needing help solving this issue. The only thing that I had did that day was try to order XXXX and it did not go through and next thing I know my account was suspended.
Product: Credit reporting or other personal consumer reports

I have been making on-time payments on a credit card that I just recently received and with on-time payments and opening a new credit account. Both of my credit scores have dropped almost XXXX points. Trans Union and XXXX. I have contacted them via XXXX XXXX and they will not fix my account they keep reporting bad credit when I am making on-time payments and showing all on-time payments or early payments the same with my rent Trans Union and XXXX has dropped my credit score. Every time it has risen above a XXXX by allowing collection agencies and third parties to continuously report on my account for more than 10 years once I have these removed or I have my credit fixed they allow these companies to resubmit and ruin my credit even further after 14 years it is impossible to raise my credit scores because of the fraudulent activities between XXXX XXXX, Trans Union and XXXX and I believe XXXX as well. I have contacted every company and yet nothing changes. Yes I had bad credit in the past but in the past five years I have been working on trying to make my credit better and not once have I gotten over a XXXX I believe that all of these entities are fraudulently reporting my account because they are getting paid to do so. I also believe they are trying to conform with XXXXXXXX XXXX  credit scoring system. I also believe that all of these third-party agencies and collection agencies are paying Trans Union XXXX and XXXX to keep my credit low no matter how hard I work on raising it now Im appealing to you in hopes that you may be able to help. I have screenshots of these activities. And if you can not solve this matter, then I will be forced to expose all of these actions that hinder my life and my financial future, and I will do so in a court of law and through the media.
Product: Checking or savings account

My bank account with chase bank was levied by the State of Illinois for unpaid taxes. At the time I had {$3100.00} after recent transactions by me. These transactions had already been deducted from my balance at the time of the levy. But, after the levy the bank started placing my account into negative amounts for transactions that had already been deducted from my balance. Out of the {$3100.00}, the bank took {$100.00} for legal fees and are scheduled to send the remaining balance to the state on XX/XX/year>. Im waiting to see exactly how much that will be because as I stated they are claiming that I only had around {$2800.00} in my account at the time of the levy, which is not true!
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 need you to remove the negative statements from my Credit File in order to report accurate information on my Credit File. If you can not prove that what you are reporting is accurate, I need you to immediately remove the disputed accounts off my credit File.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Equifax, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my report, I noticed the following inquiries that I do not recognize and did not authorize : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since I did not authorize these inquiries, I am requesting their immediate removal from my credit file. 

Please investigate this matter and provide me with documentation verifying that these inquiries were authorized. If you can not provide such proof, I ask that you delete them from my credit report as soon as possible. 

I have attached a copy of my credit report with the disputed inquiries, along with a copy of my identification for verification purposes. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by the FCRA. I appreciate your prompt attention to this matter. 

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

On XX/XX/2020, I applied for a refinance loan with my same current mortgage company, XXXX XXXX, simply to get a better interest rate and to also get rid of having to pay PMI insurance fee. 

Prior to applying to the refinance loan my credit score was listed at about 634 through both XXXX XXXX and also XXXX XXXX  which is available to me through XXXX XXXX credit card. 

After the " hard inquiry '' credit check was done, I received an update that my credit score had changed. At this time, I was shocked to see that my score dropped a whopping 63 points or so to a score of XXXX. 

I'm filing the complaint because this has got to be considered an excessive drop and I can not believe that there are no standards as to how much the reporting agency can drop your score for a credit inquiry. I am especially shocked because this is a refinance of the same loan amount and for a shorter term limit. It is crazy to me that these reporting agencies are NOT held more accountable -- -- please advise. 

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

A charge off from 2012 appears on my credit report from XXXX XXXX XXXX. This charge off shows up on my report from only one reporting agency. I contacted the creditor they denied my request for a credit validation letter. I was told by the representative I spoke with to contact the police instead.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : XXXX XXXX XXXX XXXX Balance : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX   account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank- XX/XX/2023 {$5.00} XXXX {$5.00}. I attempted to call company and then was hung up on about this on my credit report. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have attached a copy of a screenshot showing Ally advertising the interest rate being 2.25 % when you can see that it is actually 2.225 %. This is a small part of a big problem at Ally Bank. A 5-minute wait is too long ; never mind the XXXX minutes I wasted waiting on XX/XX/22 to speak to an agent.
Product: Prepaid card

This complaint is a continuous complaint I filed with your Company on XX/XX/XXXX # XXXX, but I could not find how I could add comments of paperwork onto this complaint. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX  stating they denied my Fraud claim after review of the account and evaluation of the evidence provided they closed my claim without allowing me to appeal this case nor did they inform me of why I got denied. Claim # XXXX On XX/XX/XXXX I sent them another email asking why did my claim get denied and why did they close my claim without letting me appeal their decision. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX  stating they have completed their investigation and excused me of permitted another person to use my card and they treat that as I authorized this person to use my card and I am liable for any transaction and fess incurred by these people. My wife XXXX XXXX XXXX was the only other person who tried to help me use my card to make a purchase and that is when we found out it was on hold. They also told me to initiate an investigation through law enforcement to recover my losses. I never authorized anyone to use my gift, it was American Express that put a hold on my gift card for suspicious activity and when I called them to start a Fraud claim on XX/XX/XXXX, I have gotten the run around since then. 

They sent me another gift card with a balance on it of {$2.00}, I on received on XX/XX/XXXX which was the balance left on the card after my money was stolen from someone I did not authorize to use. I want my {$230.00} back that was stolen from me and I am not satisfied with this decision they made nor am I happy about them closing my account so I can not appeal this decision.