23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following items : 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, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, 2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law XXXX XXXX XXXX XXXX - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete the investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$2800.00} TransUnion : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}
Product: Mortgage

Company did not comply with TRID regulations and has not provided me with a loan estimate for my mortgage application. I applied on XX/XX/XXXX and was contacted by the loan officer on XX/XX/XXXX. After the initial email I didn't receive any additional information. I know the loan estimate must be provided within 3 days so on XX/XX/XXXX I emailed the loan officer to check the status. He replied on XX/XX/XXXX and stated " I did not receive confirmation that you are proceeding with the application and locking a rate therefore a loan estimate has not been sent. '' Neither rate lock or intent to proceed are required to issue the LE. Furthermore, how could I agree to proceed with the loan without seeing the terms on the estimate? I replied to the officer advising they had the 6 pieces of information needed to trigger an LE and he sent back a copy of the loan application as a PDF titled " LE '' which is misleading and frankly dishonest. It's now XX/XX/XXXX and I still do not have an LE to compare against other lenders.
Product: Debt collection

Keep getting the letter threatening to spoil my credit. the only option offered is to pay or call for long hold times.
Product: Credit reporting or other personal consumer reports

I have asked XXXX to investigate these violations of my consumer rights, which are not In Accordance With ( IAW ) the FCRA, and XXXX has not. The following accounts are reporting as Charge Offs updating every month ( some are closed and showing a Balance, or Transferred with no reference ), which does not meet the requirements of the FCRA. This specifically violates FCRA laws 15 U.S.C. 1681c ( a ) ( 5 ) : Resetting the Statute of Limitations on this debt. XXXX is also allowing other companies to report erroneous and inaccurate data. XXXX is causing me great stress in my life and is damaging my credit by falsely manipulating the statute of limitations on these accounts. This is not IAW with the laws of Fair Debt Collection Practices Act ( FDCPA ). This is also deceptive credit reporting and the fact that XXXX ignores this inaccurate reporting by other Credit Reporting Agencies is unfair reporting. XXXX must also ensure 100 % accuracy in reporting, and it is not per the FCRA. XXXX is reporting the following accounts as New Charge Off accounts every month : XXXX XXXX- Acct. # XXXX, XXXX XXXX XXXX Acct. # XXXX, XXXX Acct. # XXXX, XXXX, Acct. # XXXX, and XXXX XXXX XXXX- Acct. # XXXX. There is also inaccurately and Missing Payment History information on these accounts, and Account Status as " Derogatory '', which is also a violation of the FCRA. It's my understanding that charged off accounts should not include an active payment history ( updating every month ). The FDCPA prohibits debt collectors from using deceptive, misleading, or harassing practices in their collection efforts. I am demanding the deletion of these accounts off my credit report. A Charged Off account should not have a Balance, nor should it have an active payment history. There are Billing Errors according to 15 U.S.C. 1666 ( b ) : Creditors can not treat a payment as late for any purpose. These violations and oversights on the part of XXXX warrants Deletion of every one of the accounts listed above. Delete these accounts now and mail me a corrected copy of my credit report.
Product: Consumer Loan

This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs.
Product: Credit reporting or other personal consumer reports

I have written once before and now I am having to write for the second time as the first time around my requests were ignored. This is taking a toll and myself and my family and I need these errors to be addressed an corrected. At this point I need them to do their due diligence and ensure what they are reporting is totally correct and continue to do so moving forward to avoid these errors moving forward.
Product: Student loan

I have asked Sallie Mae numerous times to stop harassing me. I have been threatended by several Sallie mae agents that i can face federal prison, I can be arrested at my place of work and that I can be sued in court. They have called the Senior Vice President of my Company, My sister-in-law, they have left voice messages on my direct supervisors phone and my home and cell phone. They have even sent fax messages to my office. I have developed severe anxiety and have told them that I am unable to make any payments of any kind to my loan. I 've provided my financial information and monthly budget to prove that I cant afford payments, yet somehow they think that I am still capable of paying loans with a monthly income of {$1600.00}. I have given them the break down of the cost of rent ( $ XXXXmonth ), insurance/medical costs ( $ XXXXmonth ), Utilities ( $ XXXXmonth ), Electricity ( $ XXXXmonth ), Winter heating ( $ XXXXmonth ) gas/transportation ( {$75.00} ), phone bill ( {$100.00} ). At the end of the month I have {$55.00} dollars left to pay for groceries, clothes, home toiletries, cleaning supplies, feminine products, and laundry. I do n't understand how they think I can make $ 300 monthly payments. They have disregarded my request for them to stop harassing me, my co-workers, my supervisor and family members. In the state of Vermont, I apparently make too much money to qualify for welfare, subsidized housing or food stamps. I feel like I 'm drowning in a hole. Most if not all of my student loans are in default which has plunged my credit score to XXXX. I ca n't afford to buy a car. These student loans have deeply affected my mental health, quality of life, self confidence and faith. At this point I do n't know who to talk to about this. I do n't even know if anyone is actually reading this paragraph but I feel helpless and unprotected. My biggest mistake in life was attending a university. I would have been better of going to a community college. Also, your drop down options only allow me to check XXXX box. I need to check off XXXX more.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Kindly repair or remove the following items in my file immediately for they are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a victim of Surprise Medical Billing. 
I was scheduled to have XXXX XXXX on XX/XX/XXXX. 
XXXX was performed and was successful. 

My first notice of payment owed was XX/XX/XXXX, stating that the account was overdue. 
The amount was {$1000.00} and I was completely surprised by this. 
I found out that the XXXX used in my XXXX XXXX XXXX XXXX XXXX XXXX 

I was never made aware of this fact before or after the XXXX nor did I ever give any authorization to use a Non Network provider. I received a Final Notice from XXXX XXXX on XX/XX/XXXX, prior to them sending this over to a collection agency. 
I contacted XXXX XXXX on XX/XX/XXXX and advised them that I was disputing this claim through my Health Insurance Company. 

I made a complaint to my health insurance company, XXXX from XXXX XXXX. 
They replied to my complaint on XX/XX/XXXX and did nothing other than verify this was a Non Network provider. 

I then received a collections notice from Professional Finance Company, stating I now owed {$1000.00}. I called this company and advised them that this Surprise Bill was under dispute and I was waiting to hear from a complaint I had made to CMS.GOV, confirmation # XXXX on XXXX XX/XX/XXXX. 

I have now made this complaint with you on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/XXXX to find that my collective XXXX student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to XXXX who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to Experian. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.
Product: Debt collection

credit collection is attempting to collect a debt that has been placed and discharged in  XXXX   XXXX  I have tried to dispute this matter a  million  times, and they refuse to cease reporting. They are in violation of the FCRA and I talked with a collection attorney about pressing charges. I will NOT pay for something that was already  discharged  in the bankruptcy, and this account has also been re-aged which is another offense. I have uploaded information where their are  XXXX  collection agencies reporting to my account at the same time, and out of the same city and state for the same debt. I am currently attempting to see if credit collection services and credit control services are the same business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.
Product: Checking or savings account

On XXXX I contact Wells Fargo about a return I was conducting with XXXX XXXX / XXXX XXXX XXXX in XXXX GA. I had purchased the dog kennel roof on XXXX just after retiring from the XXXX. I had moved 2-3 times after that date and misplaced the sealed from the factory box that I had never opened. Wells Fargo by 2 different reps in their dispute department told me to take it back and they would ( the bank ) fight for me. The store manager refused to take item back as it was over a year old and was quoting a 90 day return policy that was not listed in the store or on the receipt. On Wells Fargo advice I left the item in the store and walked out. 2 weeks later on XXXX I was advised by the bank they would not be doing anything if though 2 reps said it would n't be and issue. 
This case was escalated to their Customer resolution Executive Office that handles ATM / Card transactions on XXXX. It is now XXXX. I have not heard bank from the bank after the 10 day time frame. 
I do not have the product or/and have not been refunded the {$70.00} for this issue, WF claim # XXXX. 
All I want is my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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
Product: Debt collection

In XX/XX/XXXX I received a letter from I.Q. Data International demanding payment for money they claim I owe my previous landlord. I wrote a letter telling them I was disputing the demand and asked for documentation that I owed the money. They sent me page 1 & 7 of the lease. I pointed out that page 1 of the lease proves I do NOT owe the money : Paragraph 2 states that the lease terminated on XXXX XXXX XXXX.

Paragraph 4d states that the landlord has 21 days from the day tenant vacates the property to provide an itemized accounting of money owed to the landlord. I moved out on XX/XX/XXXX and the first contact I had regarding money the landlord claims I owe was the demand from I.Q. Data Intl. from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX BANK Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Checking or savings account

I am writing to file a complaint against navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charges fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Personal Information and Credit Report was affected by XXXX XXXX XXXX and Equifax XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noll Credit # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an fraudulent bankruptcy on my account 3 times in the past 90 days and the credit bureaus keep coming back as verified. I asked for proof of my Signature and the paperwork they have on the bankruptcy paperwork and for them to provide it and they have yet to send proof of this. This is not mine nor did I authorize anyone to file a bankruptcy on my behalf. Ive reached out the bankruptcy court on my credit report and they have stated they do not have a bankruptcy in my name nor do they provide info to any 3rd party concerning bankruptcy. I disputed this account through CFPB Over 30 days ago and they came back with I was a credit repair company working on it. I am an individual and this has been one of their stall tactics. Ive called twice to dispute and even sent out 2 letters. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.