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

I discovered several unauthorized inquiries on my credit report and have formally disputed them, requesting their removal. Despite my prior efforts to resolve this directly with some of the creditors involved, I received no responses or documentation verifying my authorization for these inquiries. 

The inquiries I am disputing include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure that the information on my credit report is accurate and verifiable. Since these inquiries can not currently be proven as authorized, they must be removed immediately as required by 15 U.S. Code 1681i ( a ). 

Additionally, I requested a specific investigation into the inquiry from XXXX XXXX dated XX/XX/year>. Despite my attempts to contact this entity, they failed to respond within the required timeframe. I asked for verification of its validity, and if it is found to be unauthorized, I demanded its removal. 

If any of these disputed inquiries are determined to be valid, I asked for a detailed explanation of the investigation procedures used and the identity of the party who authorized the inquiry. I also expect a response within 15 business days after the investigation 's conclusion, as outlined in 15 U.S. Code 1681i ( a ) ( 6 ).

If this matter is not addressed appropriately, I may escalate it by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or other regulatory bodies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, somebody used my personal information to get medical care.
Product: Debt collection

CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit card or prepaid card

A card was opened in my name without my consent or authorization. It is a PayPal branded debit/ MasterCard .

I received the card in the mail. I called the credit card company to close the account and report the fraud. The credit card company refused to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my XXXX credit card account to make my regular monthly payment that was due on XX/XX/XXXX. When I went and checked the account on yesterday for a recent charge, I noticed that I had received a late charge even though my payment was made on its actual due date. I called XXXX customer service this morning Monday, XX/XX/XXXX and advised them that a late fee have been applied in error. I spoke with a representative named XXXX. XXXX was not empathetic at all and told me that he would not be able to reverse the late fee for me. I explained to him that my payment was made on time and that I believe that it was illegal of them to charge a late fee when the payment was made on the date that it was due. XXXX advised that because the payment was made after a cut-off time of XXXX XXXX CST that my payment was considered late. I advised him that I was not aware of a cut-off time for making your payment and that if I was only an hour late of the alleged cutoff time, I still believe that that warranted a late fee waiver. XXXX said that no it did not and was not empathetic. I then mentioned that I was going to have my bank pay off this credit card account and that I would be submitting this complaint. XXXX then transferred the call to his manager, XXXX and proceeded to discuss the situation with me. XXXX was also not empathetic and did nothing to resolve the situation. He refused to waive the late fee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : {$1200.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX.
Product: Debt collection

On XXXX XXXX, 2016 I received a phone call on my cell phone from an unknown number. The woman said her name was XXXX XXXX and that she was representing XXXX. She said that she had mailed out documentation to me that I had a complaint pending out of XXXX County. Told me that her time was limited and that i had not responded to the documentation. She knew where I worked. Said that she was going to call the payroll department to take care of the debt. 

I called back. She informed me that the debt was from the bank I had been with several years ago. That I owed {$990.00} to them and that if I did not pay the debt, that I would no longer be allowed to hold a bank account for the next ten years. 

Red Flags should have been : 1. I banked with this bank out of XXXX County, not XXXX County 2. This bank actually issued me a check in that amount over 2 years ago, stating that it was for unnecessary fines. 
3. They never sent me paper work stating that the funds would be removed from my account. Any debt collector sends a statement to you to let you know that the funds will be taken out so that you make sure that funds are in the account. 

I questioned it, but honestly, at the time I was in a stressful point in my life and she was scaring me that my bank account would be shut down. She knew my social security number, where I worked, where I lived ... So I gave her my debit card number and set up 3 recurring payments. The first one came out on XXXX XXXX, 2016 for {$320.00}. The second was posted to my account on XXXX XXXX, 2016 for {$320.00}. 
This morning I got paid and was working on bills. I wanted to call this company to see if I could split this last payment in half between XXXX paychecks. i looked up the company online and WOW! There are scam alerts out for this company. XXXX XXXX name was even listed as having called another person. 
I looked at my bank account to see if it had been debited yet, and drove up to my bank to try to stop the payment. I explained everything to them and tried to put a stop payment on the debit. Just that quick, they had already put the transaction through. I cancelled my debit card and filed a dispute against them with my bank. They are not sure if this final payment will take or not since I cancelled the debit card associated with it. I have to check back again tomorrow. 

I am not a rich person but I am not a dumb person either. It concerns me that they have all of this information about me. I have seen a few Blog scam alerts online. People discussing it, having the same issues, saying they need to file a complaint. I 'm not sure that any of them have, so I wanted to make sure someone knew about this group.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate late payments reported on my Experian credit report. The late payments associated with the account ( XXXX ) listed below are incorrect and negatively impacting my credit score. 

Details of Disputed Information : Creditor/Account Name : XXXX XXXX Account Number : XXXX Creditor/Account Name : XXXX XXXX Account Number : XXXX FCRA - Right to Dispute Inaccurate Information ( 15 U.S.C. 1681i ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

According to the FCRA, you are required to : Conduct a reasonable investigation of my dispute, including contacting the creditor to verify the accuracy of the late payments reported. 

If the information can not be verified, the inaccurate information must be removed or corrected on my credit report. 

Notify me of the results of your investigation within 30 days of receipt of this dispute. 
Provide me with a new, corrected copy of my credit report once the investigation is complete. 

Please update my credit report to reflect the correct payment history or remove the erroneous late payment entries. Failure to do so will result in my escalation of this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies under the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response and the removal of this inaccurate information. 

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

15 u.s sc 1681 602A. States I have the right to privacy.

15 u.s. sc 1681 604A.states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

Accordance with the fair credit reporting act the following inquiries on my credit report violates my rights. Did not authorize inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an issue regarding incorrect information on my credit report that has been reported by LVNV Funding LLC. This debt, which was reported by the creditor, has been paid in full as of XXXX, but it continues to appear as outstanding on my credit report. Despite the payment, LVNV Funding LLC has not updated this information, and I am requesting that you review this matter and ensure that my credit report is corrected. 
LVNV Funding LLC has been made aware that the debt was paid in full, but they have not updated my credit report to reflect this change. The continued reporting of this debt as unpaid is both inaccurate and damaging to my credit. I have already made efforts to resolve this directly with LVNV Funding LLC, but the issue remains unresolved. 
As part of my request, I ask that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure that LVNV Funding LLC provides the necessary documentation reflecting the paid status of this debt. Additionally, I request that I be provided with documentation confirming the update to my credit report once this correction has been made. 
Thank you for your attention to this matter. I look forward to your prompt action in investigating this issue and ensuring that my credit report accurately reflects the paid status of this debt. 

Documents I requested : Copy of the debt showing the incorrect debt status Proof of payments for the debt - remove this from my credit report it is inaccurate and keeps reappearing
Product: Credit reporting or other personal consumer reports

I reached out to Transunion on XX/XX/2024 regarding numerous unauthorized inquiries reporting on my credit report. I have not received adequate disclosures for the inquiries reporting on my credit profile and I have received no response. I thoroughly listed all inquiries that are reporting inaccurately and asked to seek immediate attention to resolve this issue as I believe they are in violation of my FCRA rights and breech of privacy. Today, XX/XX/2024, marks 1 month without Transunion responding and I demand attention to this serious matter.
Product: Credit card or prepaid card

This account was paid in full in the beginning of XXXX and then close in the beginning of XXXX and they will not update my credit report. It still shows that it's open and the balance is still there. I have called them multiple times to ask for them to update and they haven't. I have also filed a complaint with the credit bureaus with nothing becoming of it.
Product: Debt collection

I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.
Product: Credit reporting or other personal consumer reports

Experian at XXXX sends a email and this is the XXXX email stating my information has changed. Why is Experian changing my information, I did not send them anything to change. Experian lied to he CFPB on every email response. Doing our due diligence we discovered that Experian has dine this to thousands of people
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reached out the FTC and XXXX doing this on my own for really ask for your help.
Product: Debt collection

I have noticed an account on my credit from midland funding that is a direct result of identity theft. the account is from a credit card that I never owned associated with my name and social security number. I have filed a report with the FTC regarding this ( FTC Report number : XXXX ) The credit card associated with this midland funding debt is from XXXX  XXXX. I have sent multiple letters to midland funding informing them that I did not live at the address associated with this account and have requested multiple times that this account be removed from my credit report. Not only has the account remained but they continue INCREASING THE BALANCE on the account associated with this fraudulent debt.
Product: Debt collection

I received a phone call today from XXXX XXXX collections regarding paypal charges that were made in XXXX of XXXX. In XXXX of XXXX  my identity was stolen as you can see from the history of my complaints. I was notified by some alerts from XXXX XXXX that someone was trying to open a {$10000.00} credit line in my name. Charges were added to the account and then reversed when I called paypal to speak with them about the identity theft. I am now being told that because the charges were reversed and items that someone else bought were never paid for, I am now responsible. These charges need to be removed. I am not going to pay these charges.
Product: Money transfer, virtual currency, or money service

All my bank accounts and credit unions have been closed due to fraudulent activity/ identity theft, thousands of dollars have been taken from me and since the suspect is using my personal information to obtain goods and services. 
Banks used and in returned have been closed include- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information has been located on the XXXX XXXX ( name, address, social, and other personal info..
Product: Checking or savings account

XX/XX/2019 I noticed a fee charged to my account for a XXXX charge of {$48.00}. I was confused because my balance left was {$40.00}, and after charging me. I first spoke to an agent named XXXX who was extremely condescending who explained to me because the card authorization made my available balance negative. I was then transferred to a Manager named XXXX. 

The issue stands here. I was charged an overdraft fee because of a pending authorization which was a mistake by the vendor and has not posted. So I was charged an overdraft fee based on my available balance and then I would be charged another overdraft tomorrow when this authorization posts. 

I spoke with XXXX extensively and he let me know that I would be charged fees based on my available balance availability even if a transaction never posts. Meaning, that if an authorization was a mistake and the vendor never collects Bank of America will leave that fee on my account. I found 5 fees like that in XXXX. I found multiple other fees like that in the past 6 months. Where Bank of America charged me overdraft fees, for authorizations and then when that authorization posts. 

I then went to page 10 of my client disclosure packet. None of these parameters were documented in that packet at all. Nothing about being charged fees based on available balance. It only said balance. Nothing about being charged for an authorized item and then again when that same item posts. There are already {$240.00} in fees including the one for XXXX which will post tomorrow. I calculated another {$700.00} in fees the last 6 months using this abusive tactic. 

I went into a deep dive in managing my account in order to avoid this issue. I would like all my fees reversed. I would like a letter of apology for this abusive behavior. I want my account to go without any banking fees for the next 6 months as a show of good faith, that I will not be taken advantage of again. 

I also want Bank of America to make full disclosure of these fee practices in the client disclosure booklet. Because even when I read it to been, he said it agreed with him. But the booklet makes no distinction between the two balance and available balance. Nor states we can be charged two times for one transaction. 

I was even told I wasn't charged for my transaction, but was charged because of my available balance. This is convoluted and seems like an abusive ploy to get fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Disputed Account Information : Creditor : XXXX XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXXXXXX XXXXStatus : Paid in settlement. {$24000.00} written off.Date of Last Payment : XX/XX/XXXX, XXXXOriginal Balance : XXXX XXXXReported Balance : -Reasons for Dispute : Inaccuracy in Reporting : According to the FCRA, all information reported must be accurate and complete. The status of this account as " Paid in settlement '' with {$24000.00} written off is not correctly reflected.Potential Violation of 15 U.S.C. 1681c : The FCRA mandates the accurate reporting of account statuses, and any paid or settled accounts should be updated promptly. This account is inaccurately reporting a negative status beyond the settlement date.Failure to Update Status Correctly : The status update in XX/XX/year> is inconsistent with the settlement terms and does not accurately reflect the account 's closure and payment status.Action Requested : I request that the credit bureau contact XXXX XXXX XXXX to verify the account is mine by providing receipt of certified mail sent to my address.The accuracy of this account and update the status to reflect that the account was paid and settled correctly as of the last payment date, XX/XX/XXXX, XXXXCorrect any discrepancies and remove any negative remarks associated with this account since the account has been settled in full.Provide me with a corrected copy of my credit report.