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

To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address. Please refer to the attached copy of my credit report, where the highlighted errors can be found. The following items are incorrect : 1. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and subsequently removed from my credit report. I understand that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted. As per 15 U.S.C. Sec. 1681i ( a ), I kindly request that this reinvestigation be completed within 30 days of receiving this letter. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC , due to your blatant and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022 My car was repossessed. When I attempted to contact the original company the car was purchased through I was told the rest of my debt was sold to Recovery Associates, a debt collection company. I contacted the new company and was given a different name ( PRA receivables management LLC. ) they refused to give an address and directed me to a manager XXXX XXXX XXXX when asked about said information. I was forced to give my social security number, name, and address in order to find out the amount owed. The first representative XXXX quoted {$29000.00}. Instantly I asked to dispute the amount and was told that I should receive a debt validation letter within 30 days. The problem with that is my car is in possession of a tow company that wont release the car until its okd by this debt collection agency and its at risk of being auction within 10 days. XXXX then put me on hold until the phone hung up and I didnt get a call even though I was told that if the call disconnects I would receive a call back. 

I called the company back again and was connected to XXXX who directed me to the manager because I asked for the companies name and address. Once connected to the manager ( XXXX ) I was forced to give my personal information again and was quoted a new number for my debt which was {$29000.00}. I asked her how long does it take for the debt validation letter to come in the mail and was told 10 days. I had more questions in correlation to the tow company and how long my vehicle would be held before being transported around or forced into auction. Before I could finish my questions I was threatened by the manager and was told that my vehicle could be moved to auction whenever she wants. At that moment I chose to end the conversation to get questions on if this is legal or not. 

If there is a debt owed I wasnt contacted at all by mail or phone by this debt collection company. I fear that my vehicle has been taken illegally by a company that I have not signed a contract with or agreed to the supposed debt and it will be auctioned off in an attempt to collect on something not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a data breach and tried to reach to you and your company and previous submit but your facility closed it. Enclosed paperwork
Product: Credit reporting or other personal consumer reports

Equifax & Transunion have my credit age as 2 years and 6 months as incorrect, however, in their system they have the following information in their system but they are not calculating the age of credit accurately. ( Experian has the credit age more accurate, stating an account that is 26 years old ) The age of my oldest credit is 2006 and so my credit age needs to say 19 years and 1 month Please change the age of my credit to 19 years and 1 month and restore all my points as in the category of GREAT. There are two additional companies with documentation to support a much longer credit age than what they have.
Product: Debt collection

I had a past due amount due to the Retreat at XXXX XXXX XXXX that was transferred to Fair Collections and Out for collection. I have settled this account and paid it off. I was sent a deletion letter and told my credit report and my rental profile would be updated. The account still shows on my credit report and, when my credit profile is checked, the eviction still shows.
Product: Payday loan, title loan, or personal loan

I had a installment loan from Regions Bank account number XXXX I was paying on time until XX/XX/XXXX when my daughter got hurt in hurricane Harvey let them know why I could n't make the payments then in XX/XX/XXXX I and the rest of my family had our house distroyed do to hurricane Irma. Called and explained that regions bank took the little bit of money I had in my checking account without my permission and applied it to the loan then reported it as late with the credit bureau 's and closed the loan out so I could n't borrow any more on it they have gone in and taken 5 payments out of my checking account even knowing I am struggling to get my feet back on the ground they did n't care about anything but their money
Product: Student loan

I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Checking or savings account

I have been working for someone thinking that Ive been receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then send to the person Ive been workin for. Recently, my bank has closed my account saying because their bank accounts say XXXX fraud. When they are the one sending me money. I am not a scammer and I know nothing about it, and I didnt know that the one I was working for has been XXXX  people into giving them money, placing it in my account. I am a victim in this case too, because I had no idea that my account had been included in fraud work. I simply received XXXX  with money and I would send it to the person Ive been working with.
Product: Money transfer, virtual currency, or money service

XX/XX/year> From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To : Wells Fargo Claim # XXXX XXXX XXXX On XX/XX/year>, a person by the name of XXXX XXXX acquired {$260.00} from my Wells Fargo ( XXXX ) account. 
The memo says : XXXX XXXX XXXX wall repair from XXXX. 

I have lived in the same apartment for the last 9 years. 

The maintenance staff would take care of repairs of any kind. 

I do NOT know this person. 

Several phone calls have not resolved this issue. 

I request to be reimbursed for the {$260.00}. 

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

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from XXXX states by law they are allowed to gather information without my consent. I am demanding this to be removed.
Product: Student loan

I made a payment of {$6600.00} to my Edfinancial services school loans and at first it said the payment was processing but now nothing is showing up and my balance is still the same but the money was taken out of my bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX IS REPORTING XXXX XXXX  ON MY CREDIT REPORTS. IT HAS BEEN OVER THE XXXX YEAR STATUE OF LIMITATION MARK AND THIS SHOULD NOT BE REPORTING ANY LONGER. 
I HAVE ALSO HAD XXXX XXXX XXXX XXXX OVER XXXX YEARS AND WON IN COURT AGAINST XXXX XXXX SO FOR THIS REASON ALSO THIS ACCOUNT SHOULD ALSO NOT BE ON MY CREDIT REPORTS
Product: Checking or savings account

US Bank Checking Account # XXXX US Bank Debit XXXX # XXXX Date of Birth : XX/XX/1990 Last 4 Digits of XXXX : XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, USA Email Address on File : XXXX Phone Number on File : XXXX -- - To whom it may concern, I was traveling internationally for the period of XX/XX/XXXX through XX/XX/XXXX. On the XXXX, I logged into my US Bank online app in order to mobile deposit a check. I noticed the app gave me the error that " mobile deposit is not available for this account at this time, '' and I was promoted to call customer service. 

On XX/XX/XXXX, I called customer service at US Bank, was notified a restriction has been placed on my account, and was transferred to the fraud department. After talking to an agent from the Fraud Liaison center, I was informed a branch manager somewhere in Illinois named XXXX XXXX has placed a restriction on my account as of XX/XX/XXXX. No reason was given ( or noted on the account ) as to why a restriction was placed. Interesting thing is my address is in California, so I have no idea what a branch manager somewhere in rural Illinois has to do with my account... 

The agent from the Fraud Liaison center speculated that it may be due to the small deposits made into my account from XXXX XXXX XXXX. I explained to the agent on the phone that these are cash back I have earned through purchases made via XXXX XXXX that are being deposited into my US Bank account. The agent was convinced. The agent was unable to contact XXXX XXXX, as she seemed to have been out of the office for quite a while... 


Interestingly, on that same day ( XX/XX/XXXX ) that my account at US Bank was restricted, my brokerage account # XXXX at XXXX XXXX was also restricted. Even though this is still not confirmed, as XXXX XXXX is not giving me much information regarding the issue, I highly doubt this is a coincidence, as there were ACH Transfers ( large amounts ) that occurred between my US Bank and XXXX XXXX accounts in the past 2/3 months, and I am concerned the restriction at XXXX XXXX was placed at the instruction of whoever placed the restriction on my US Bank account... 

I, hereby, request US Bank to provide me with a CLEAR lawful reason as to why a restriction has been placed on my account, and the money in my account is being held hostage with no explanation or clear instructions on how to rectify the matter. As far as I know, I am not under investigation by any federal or state agency, and there are no judgements/court orders against me that would obligate the bank to make my life miserable. 

Secondly, if the agent at US Bank has also caused issues for my account at XXXX XXXX, I, hereby, request that contacts be made requesting my funds at XXXX XXXX to be released, and all the previous instructions to be reversed... 

Please contact me, promptly, if you need more information, or you need to discuss further steps to release my money, and my accounts. 

Sincerely, -XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I applied for an XXXX Credit Card on XX/XX/XXXX. I never got a response from XXXX on whether I was approved or not. Since a month has gone by and it now appears on my credit report as a " hard inquiry '' from XXXX that will not roll off until XXXX. I called XXXX and was told " it has been more than 30 days and the record has been purged. We can't do anything about it - contact the Experian ''. 
Contacted Experian and was told that XXXX could do something and they were giving me the run around. 

I want it removed or I want information on what they found.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am the consumer and Experian, XXXX, and XXXX are the consumer reporting agencies. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Debt collection

Every transaction i make gets detucted right away but it would still show pending for a couple of days and sometimes i would need it to finish to process some other stuff, and the over draft fees gets charged a day after the over draft happens, and most of the time I do n't see that my account has an over draft and would see it after the over drafting happens