23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Student loan

I have called on several occasions asking for a reasonable payment option to pay my loans. My loans are only XXXX but as a single mom I could not afford the payment of XXXX a month to pay my loans without a hardship. My loans have gone in to default and they tarnish my credit because I am unable to get a reasonable arrangement.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX # XXXX XX/XX/XXXX -- {$240.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

A dispute and request for validation was sent to the collection agency. 

The collection agency responded with a letter refusing to honor the dispute and / or the request for validation by dismissing it as frivolous.
Product: Money transfer, virtual currency, or money service

I was the victim of a scam on XXXX. This scam lost me over {$1600.00}, which I paid via XXXX for goods that were never received. CitiBank and XXXX have refused to support me in reclaiming my funds and continues to redirect me to follow the identical appeal process. Their refusal to adequately support victims of scams is enraging. 

It should NOT be this challenging for individuals to recover funds that were wrongfully taken from them. CitiBank is worth over XXXX XXXX XXXX, and yet they do not support their loyal customers in situations like this. We have been CitiBank customers for years, with ample funds in our accounts, and we are absolutely unsatisfied with the service we have received. We have and will continue to share our negative experience with our community, and we will withdrawal funds and cease our membership with CitiBank.
Product: Student loan

I took out a private loan through Wells Fargo during my last year of college in 2009. Both my parents had been laid off during the recession and were unable to contribute to my education. I just wanted to finish school. I have been making payments on this loan consistently since then but have barely made a dent in paying off the loan because of the lender 's online banking practices. 

When I took out the loan I opted to make online payments. However, the online option for payment through Wells Fargo does not allow borrowers to pay above the minimum on a loan unless they intend to pay off a loan in full. 

Once I accidentally paid my bill two times in one month and was told by a customer representative that Wells Fargo would not allow me to make a payment in XXXX of that year because they do not allow debtors to make more than twelve payments in one year. 

I would like to pay my loans off more quickly and accrue less interest but I am unable to do so as Wells Fargo will not accept a payment above the minimum or an additional payment. This practice is clearly intended to keep individuals like myself in debt for as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This marks my third attempt to communicate that I've fallen prey to identity theft. I'm raising concerns regarding certain entries in my records stemming from this incident. These entries pertain to transactions that I neither initiated nor authorized, involving no acquisition of goods, services, or funds on my behalf. If disregarded, I request the removal of any data linked to alleged fraudulent or deceptive activities from my credit history, as they are irrelevant and unjustified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I began a debt settlement program with Beyond Finance in which they say will be for 45-55 % of the original debt. This is definitely untrue with mine being for 5 % -45 %. Then I was served with papers in which when I talked to an associate they said itd be handled. They then just gave me an answer. When I first started the program, they said Id have legal representation. My legal representation was just an answer in which I submitted and they said I could go or not go. They didnt provide any of the legal direction they initially promised. Following that, I received multiple phone calls and emails about their accelerated graduation program. They then made me feel pressured into doing it due to the papers I was served by saying it was the best option given the legal proceedings filed. Then they connected me with their sister company, XXXX XXXX. Their associate assured me it was the best option however their interest rate of 26.99 % is outrageous and its crazy that a company trying to help you to a better financial future would even consider XXXX XXXX a viable option when the interest is as high as the credit cards youre attempting to settle.
Product: Money transfer, virtual currency, or money service

Northern Trust blatantly cheats my account to make their profits higher. 
1. The columns do not add up properly. {$3.00} + {$7.00} = {$10.00}, but their computer calls it {$10.00}. 
2. They charge outrageous fees for accounts they hide from the beneficiaries. My account generated {$10.00} in dividends, but XXXX  claims {$33.00} to manage it.

3. They promised to reverse the fees they charged to my account but now that they sent a statement, the fees have been restored and charged to my account.

4. This account with XXXX  should have been closed out years ago. Had I not complained last year, it would have continued until the whole account is whittled away to nothing for the beneficiaries. How many fees have there been over the years. I do not know bc they do not send me a statement on a regular basis. 

Northern Trust is a bad actor and should be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Product: Debt collection

Received demand letter from law firm stating I owe them XXXX
Product: Debt collection

On XXXX XXXX, XXXX, an account with **Credence Resource Management** ( original creditor : XXXX XXXX XXXX ) was reported on my credit file with a balance of ** $ XXXX. However, I have identified multiple inaccuracies in the reporting of this account across XXXX and XXXX including : XXXX XXXX  did not report this account, despite the obligation to ensure consistent and accurate reporting across all credit bureaus. 
- Inconsistent dates, such as the " Date Last Active, '' which is reported as XXXX XXXX, XXXX by XXXX but XXXX XXXX, XXXX by XXXX. 
- Incorrect payment status, claiming " Seriously past due '' despite no clear validation of the debt. 

I attempted to address this issue by reviewing my records and contacting the reporting bureaus. On ** [ Insert Date You Took Action ] **, I submitted disputes to the credit bureaus and requested debt validation from Credence Resource Management under the **Fair Debt Collection Practices Act ( FDCPA ) **. 

-- - # # # **Actions Taken** - Submitted a **dispute letter** to XXXX and XXXX, highlighting the discrepancies.

- Sent a **debt validation request** to Credence Resource Management , requesting documentation proving the debt 's validity and accuracy. 
- Attached an affidavit, asserting my rights under the **Fair Credit Reporting Act ( FCRA ) **, to ensure the information 's correction Mark Paid as agreed or ok Legal Consequences of Non-Compliance Failure to comply with this lawful demand may result in legal action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC XXXX, and XXXX  Department of Attorney General. 

Seeking damages under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Legal Basis for My Dispute 15 U.S.C. 1681a ( 2 ) : Reports limited to transactions or experiences between the consumer and the reporting entity must be removed if included unlawfully.

15 U.S.C. 1681e : Reporting entities must ensure the maximum possible accuracy of credit report information. The inclusion of incorrect data demonstrates non-compliance.

15 U.S.C. 1681i : Reinvestigate disputed information within 10 days.

Notify the furnisher and verify the accuracy of disputed information.

Correct or delete unverifiable or inaccurate information.

15 U.S.C. 1692g : Validation of debts requires documented evidence of debt accuracy and my liability.

15 U.S.C. 1611 : Criminal penalties, including fines of up to {$5000.00} or imprisonment for up to one year, apply to knowingly providing false information.
Product: Credit card or prepaid card

Please show proof of the correct balance on this card. I do not have a balance on this card. Please correct the balance and update all credit bureaus of this change.
Product: Checking or savings account

On XX/XX/2022, Fifth Third bank started charging my checking account {$11.00} per month as a service fee. I have had the account for many years with no fee. I did not agree to this charge. They refunded one month of the fee but will not refund the rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Product: Debt collection

Calling repeatadly, without leaving voicemail, calling my work after I asked to stop.
Product: Credit card

XXXX Chase Credit Services XXXX XXXX XXXX This letter is in regard to the information that you are reporting to my consumer credit profile and a request to remove the item off of my credit report. This is a valid request as stated in the following Regulations. 15 U.S. Code 6802, 6803, 6804, 6805 I never gave consent for this nonpublic information to be disclosed to any third party, if consent was given and conspicuously hidden. It also stated in your terms and conditions that you do not disclose any information to a non-affiliated third party company. 

The account is also showing to be charged off and therefore a 1099 has been issued and the IRS states that when the debt is charged off, it is then considered income.

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice This was not a clearly provided and conspicuous notice that accurately explained the right to opt out.

( 5 ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( 5 ) ( g ) ( 1 ) Duration of consumers opt out direction. A consumers direction to opt out under this section is effective until the consumer revokes it in writing. 

( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) Obligations with respect to disclosures of personal information ( b ) Opt out States A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless - ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) - Disclosure of institution privacy policy ( 2 ) with the consent or direction of the consumer. I am rescinding any disclosure and giving you direction that this information shall not be disclosed to any third party including consumer credit reporting companies. 


I am asking that these accounts be removed from all three credit reporting agencies, due to your violation of terms and conditions. 


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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, PNC XXXX  XXXX  add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB ONDC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XXXX XXXX, 2017, I sent Experian a certified letter disputing inaccurate and false information on my credit report being reported by XXXX XXXX XXXX XXXX, reference number : XXXX which is located at XXXX XXXX XXXX, XXXX XXXX , FL XXXX. I am confident that XXXX XXXX XXXX XXXX  never replied to Experian during their so called investigation. I sent XXXX XXXX XXXX XXXX a certified letter on XXXX XXXX, 2017 and they never responded to my letter. Furthermore, Experian has this item being reported by XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX. I sent the very same dispute to XXXX and it was removed from my credit report between XXXX XXXX and XXXX XXXX. I believe that Experian has acted in bad faith and has not complied with the Fair Credit Reporting Act, which I specifically requested VALIDATION that is competent evidence bearing my signature showing that I have had some contractual obligation to pay a debt owed to XXXX XXXX XXXX XXXX. If XXXX XXXX never responded to XXXX or myself within 30 days of my complaint, where is the proof that they in fact responded to Experian? I want this item removed from my credit report immediately!!
Product: Debt collection

Comenity bank has been calling friends and family from unknown numbers and leaving voicemails about debt that I owe
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Checking or savings account

On XX/XX/2018, Wells Fargo allowed a thief to cash my {$14000.00} NJ State XXXX XXXX check. 

On XX/XX/2018, having learned that the money was stolen, I simultaneously sent an affidavit of forged signature to the State of NJ Treasury Department, and to Wells Fargo President XXXX XXXX, requesting that my funds be restored. 

On XX/XX/2018, having walked into a Wells Fargo branch, I spoke on the phone with a Wells Fargo Resolution Team. Their " resolution '' was that I could not report the crime to them, and they would have to wait for the State of NJ to forward my affidavit to them by regular mail. 

On XX/XX/2018, I received a letter from XXXX XXXX, a Wells Fargo corporate officer, telling me that a resolution would be sent to me within ten days. She also said I would be in contact with XXXX, the Wells Fargo associate handling my complaint. 

On XX/XX/2018, I spoke with XXXX from Wells Fargo. He refused to give me any information about my case and its status. 

On XX/XX/2018, a resolution letter was sent from XXXX XXXX of Wells Fargo. Her resolution is that she and her company will not tell me anything about this case. Wells Fargo ( as earlier ) designated me as a third party, to whom they will give no information about the restoration of the funds they lost. She directed me to make all contact with the maker of the check ( i.e. the state of NJ ). Please note : I have been in contact with the NJ Treasury Department multiple times. They have told me they rely solely on Wells Fargo 's investigation for a resolution. 

On XX/XX/2018, I spoke with a representative of the NJ Treasury Department, who called Wells Fargo. They told her the money would be restored in 60 to 90 days from XX/XX/2018, when they opened the investigation. 

On XX/XX/2018, at XXXX XXXX, I spoke with XXXX from the Claims Department of Wells Fargo. She said that the money would be restored in 60 to 90 days from when Wells Fargo first opened their investigation, on XX/XX/2018. 

On XX/XX/XXXX, I again spoke with XXXX, giving him the information for the local police detective handling my case. 

On XX/XX/XXXX, I again spoke with XXXX. He refused to acknowledge providing information to the police. 

On XX/XX/2018, I again spoke with the NJ Treasury Department, who again called Wells Fargo. Wells Fargo again reaffirmed that they would restore the money they lost in 60 to 90 days from XX/XX/2018. 

On XX/XX/2018, Wells Fargo sent a letter again refusing to offer any information about the case. This letter claimed they had already resolved my issue, citing a previous letter ( XX/XX/XXXX ) that had also refused to do anything. 

On XX/XX/2018, I again spoke with XXXX, the Wells Fargo associate handling my case. He again refused to offer any information. 

Wells Fargo promised on three occasions that the {$14000.00} they lost would be restored within 60 to 90 days after their investigation began on XX/XX/XXXX. However, the money is still outstanding.