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

Subject : Formal Complaint Against XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their handling of my personal information and related disputes. On XX/XX/2024, I sent a letter to XXXX disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, XXXX has failed to respond to my letter. 

XXXX 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that XXXX is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with XXXX. 

Despite my attempts to resolve these issues directly with XXXX, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that XXXX corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with XXXX and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my WXXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Product: Credit reporting

There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.
Product: Checking or savings account

I contacted Empower Inc. on XX/XX/2021 due to an unrecognized transaction made on my debit card. They provided a reference number of XXXX. The following day, XX/XX/2021, I received an email from XXXX advising they were exercising their right to close my account per the Consumer Deposit Account Agreement. No investigation of the unauthorized charge or explanation as to why my account was closed.
Product: Mortgage

in 2015 my health declined, due to XXXX  from a loss of income which was very much needed my childsupport. i tried my best to maintain my finances in better position for my household. i did overtime alot which kept me away from home and my XXXX daughters.this led to a disaster, my XXXX older where skipping classes getting low grades etc. therefore i was forced to stop working so much, my household was in desperate need of a stable parent. i went to citi and informed them of my situation and my need for help, but got no help. my finances slowly declined as my health did. i sought the help of family and friends, but they could only do so much. i then had to take out paydayloans to stay afloat. citi offered ( NO LOSS OF MITIGATION ) help theyve violated the Real Estate Act. RESPA i sought the help of NACA. IM in dire need of help!!!!!
Product: Checking or savings account

On XX/XX/XXXX I noticed on my online banking account that XXXX was moved fromy savings account to my checking account I didn't do it I called the online banking support number and told them they saw it and said they put the money back so I looked again on the XXXX and all the money was gone I called back on the XXXX of XXXX and opened a claim XXXX XXXX later I got a denial letter in the mail without ever speaking to anybody from the fraud department this is citizens bank so I called number on the letter for XXXX days being on hold for at least XXXX each time before hanging up I went to the branch office and changed all my accounts I asked the customer relations person to reopen my claim she said she did this and I would receive a call from the fraud department a week went by I tried to call her back and emailed her and got no response so I called the online banking service number again they told me that the claim wasn't reopened! so I reopened it and had it expedited I spoke to a person and her supervisor who told me I would receive a call within XXXX and she would personally calle back to make sure they called me back they didn't call and neither did she I called back and reopened my claim again on XXXX the XXXX it's been over a month of getting the run around and not getting my money back this despite being told that it was blatant fraud someone hacked into my online bill pay account and sent checks to a different bank
Product: Student loan

FedLoan Servicing made an error during my loan transfer, resulting in XXXX of my loans being left out of the IBR process. The company did not inform me of this error until after debiting a higher amount for my monthly payment. When contacted about the error, there was no follow up or resolution, with the company decided to put in a retroactive administrative forbearance instead of processing a refund as originally stated. The company then continued to have autodebit process my next month payment, instead of the lower amount that was presently due. I was told they could not cancel the autodebit without 3 days prior notice. I was not informed of the incorrect debit amount until receiving a letter prior to a three day holiday weekend, during which time no request could possibly have been made. When contacted on the next available business day, I was informed that a note to call me was in the file, but that no one ever called.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Sometime in XXXX or XX/XX/2022 a fraudulent change of address was submitted to the post office in my name, XXXX XXXX. We realized this when we received a XXXX  verification in the mail. 

We had the XXXX stopped but not before several applications for credit were made in my name. At least one account was opened for a XXXX XXXX Bank. We have been working with the bank to get this account closed- talked to them on phone and have submitted an affidavit regarding fraud. 

However, at this time the fraudulent card is still active and on my credit report. Experian refuses to remove this account from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/XXXX is when this matter was first disputed. Now being XX/XX/XXXX matter still not resolved. XXXX, Experian and XXXX are all reporting a XXXX  on my consumer credit report. They have all put in the data furnisher as being the XXXX XXXX XXXX XXXX XXXX which is FALSE. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify, validate any information concerning bankruptcies or any court proceedings. XXXX, Experian and XXXX are falsely stating this information on my consumer credit report and have yet to remove this item after several disputes.
Product: Debt collection

I checked my credit report and found a medical collection that is seriously effecting my credit scores. Universal collection Systems is reporting information that is inaccurate, This debt is not mine and is for someone else with similar name. I have made contact with the collection company whom has not validated that this debt belongs to me. I have not done business with Universal Collection Systems, below is the inaccurate reporting information.


UNIVERSAL COLLECTION SYSTEMS
XXXX XXXX XXXX XXXX | XXXX, TN XXXX 
Phone: XXXX 
Toll Free Phone: XXXX

Creditor Name
UNIVERSAL COLLECTION SYS


Account No.
XXXX


Original Creditor
XXXX XXXX XXXX XXXX  


Responsibility
Individual


Condition
Derogatory


Original Balance
XXXX


Balance
XXXX


Date Opened
XX/XX/XXXX 


Date Reported
XX/XX/XXXX


Remarks
Placed for collection
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of inaccurate late payments and consumer misinformation ( CMI ) on my credit report. Upon reviewing my credit report, I discovered inaccuracies that require immediate correction to ensure compliance with federal laws Under 15 U.S.C. 1666b This statute under the Fair Credit Billing Act ( FCBA ) governs the proper posting and crediting of payments. If payments were not properly applied or were mismanaged by the creditor, the reported late payments are not valid and should be immediately corrected or deleted. 


15 U.S.C. 1681n Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are liable for willful noncompliance with credit reporting requirements. The inaccurate reporting of late payments and incorrect consumer information constitutes a violation of this statute, making the credit bureau and creditor potentially liable for damages. 


XXXX XXXX. XXXX XXXX the XXXX XXXX, financial institutions are required to protect the confidentiality and accuracy of consumer information. The presence of inaccurate consumer information ( CMI ) and misreported late payments violates the accuracy and privacy protections outlined in this statute. 
In addition to the incorrect late payments, I am disputing the inaccurate consumer profile information reflected on my credit report. This includes but is not limited to : Incorrect personal details ( e.g., name, address, employer ) Inaccurate account status or balances Outdated or duplicated accounts I kindly request the following actions be taken without delay under 15 USC 1681i ( a )
Product: Credit card

I contacted grain server times concerning, I changed bank accounts at which the company Grain was disconnected from my checking account. I contacted Grain customer support more than 3 times about I couldnt connect my grain account back to my new checking account at a different bank. I was told by rep that Grain was a having technical difficulties connecting my grain account to my new bank account. I waited and waited for the issue to be resolved and it never got resolved and the charged off my account and listing the wrong balance on my credit report. The dont have a customer service phone number, only communicate through email. I have attached receipts from my latest payment. On my credit report Grain XXXX says I owe them {$400.00} dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a paper dispute with Experian on invalid, unknown medical accounts with XX/XX/XXXXXXXXXX/XX/XXXX XXXX # XXXX and # XXXX. Experian erroneously verified the invalid medical accounts and so on XX/XX/2019 I followed up with XXXX XXXX XXXX XXXX with a request for validation on these invalid, unknown medical debts, per Experian 's instructions. XXXX XXXX XXXX XXXX failed to validate these erroneous accounts. 

XX/XX/2019 I re-disputed the unknown medical accounts with Experian, with a copy of my validation request and proof of XXXX XXXX XXXX XXXX receipt of my request. 

On XX/XX/2019, Experian followed up with me refusing to properly investigate, they also appeared to change one of the  account numbers associated with the invalid medical accounts, both blatant violations of FCRA and FACTA. 

Furthermore, Experian has been the only credit reporting agency to refuse to delete these unknown medical accounts.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted Trident Asset Management, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

So my bank has changed 3 times in the past 8 yrs. Started out as XXXX XXXX XXXX, then to XXXX  XXXX XXXX and now First Interstate Bank. 
They are constantly over draft my account. They constantly authorize transactions without my permission just to overdraft me and they leave transactions pending for weeks on end just to overdraft me. I'm sick of it. They say it's okay with what their doing but yet their being sued by other people. 
They all ready have lawsuits against them for this very reason. XXXX XXXX First Interstate Bank First Interstate bank in XXXX, OR XXXX is conducting fraudulent acts on every person with that bank. Im changing banks as of the 1st of the year I don't have exact dates but I can print everything out and give you dates that way
Product: Checking or savings account

I found a website and purchased a XXXX XXXX XXXX. I paid through XXXX and was given a tracking number. However when the " package '' arrived it a very cheap phone case. It is clearly not what I paid for ; as I paid {$180.00} for a camera and not for a flimsy phone case. It has been increasingly difficult to get my money back from my bank or XXXX. 
They seem to be siding with the scammer in this instance and it is quite frustrating. I really need some help. 
Since I recieved something, they refuse to re-imburse me, even if it is a cheap phone case. 

I purchased the product on XX/XX/2020 recieved the incorrect product on XX/XX/2020 I tried to open a dispute with XXXX but had no luck as the seller wanted me to send the product ( cheap phone case ) to XXXX! 
I pleaded with XXXX that this is clearly a scam and I proof of not only myself but others getting scammed. 
I then went to my bank as I figured I would have protection from them. I was denied my claim, filed an appeal, went to a branch and gave them my proof to fax to fraud department and denied AGAIN! I am now filing a THIRD appeal but I am not sure what to do anymore. I am so frustrated.
Product: Debt collection

I wrote a letter to Collection Consultants on XX/XX/XXXX, letting them know they could no longer have my medical collection debt because of HIPPA violation laws. They returned a letter to me on XX/XX/XXXX, verifying they have the debt and they still wanted me to pay for it. It is beyond the statute of limitations ( the debt is over four years old and the statute of limitations in California is four years ).
Product: Credit card or prepaid card

Usbank corp is not giving me all of my credit balance on my Usbank cash rewards XXXX back to me. They are refusing to give me my cash rewards balance back to me. It is unacceptable and very fraudulent for the bank to do that. I need help receiving all of my credits back from Usbank.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe XXXX XXXX XXXX and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.