23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello. Me as well as my partner and Im hearing co-workers have a continuous issue with XXXX bank Salary at sea card issued to XXXX XXXX cruises employees. Since we work for the cruise company clierly we travel a lot and quiet often having problem withdrawing money from ATM or making payments ( is being declined and banks charging you for that ) whether is restorant shop or online. Every time have to call the bank and they say you are in high risk area but they will fix the issue XXXX Ive never complain about any unauthorised transactions and keeping my card details safe ) however its never being fixt right away and you find yourself being embarrassed and looking for solution ( that often coast you more ) how to make a payment at restorant or shop or whenever you might be at the time. So you have to call them again ( from foringh country that calls are expensive ) and then they say that in that case you must wait XXXX-48h. So now you are abroad in situation where you need money but cant get any because of your banks issues. Nevertheless often XXXX.dont solve the issue and you still not able to get any money from ATM so you have to call them again and again. Often happens you simply cant even access your bank because it wont accept your call since you keep trying to call them it says you reached num.of tries. So you just spend you vacations stranded in one place with no money and not able to reach your bank nor that it helps when you do. Imagine situation where you find your self on a night out and not being able to pay your bill then you taking a taxi to ATM but any transaction being declined. Let me be clear-that not just happend once or twice its a constant sruggle even if you tell them you planing to stay in the country for a month few day later your card is not working again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed Equifax documentation of my correct address and the correct spelling of my middle name for 2 years now! These people are incompetent and can not speak read nor understand basic english, I can NOT understand a verbal word Equifax custormer service phone reps speak which are the ongoing problems and complaint for years about errors in my credit report! 


1 ) I have already mailed and spoken with Equifax for over a year that my new updated address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, MN XXXX. 
Equifax will not put my address on my credit report and I am locked-out from accessing my own credit report which is illegal. 

2 ) I have already mailed and spoken with Equifax for over a year disputing the correct spelling of my middle name which is XXXX. 
On the cover letters and mailings Equifax has misspelled my name!!!. 

3 ) I have spoken with Equifax and already submitted a Police Report, Identity Theft Affidavit, Extended Fraud Alert and a " Credit FREEZE '' regarding a Fraudulent Collection Agency " XXXX XXXX '' ( not mine ) but Equifax will not recognize it and remove this Fraud Account... 

Please fix the above problems...
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or agree to XXXX XXXX and XXXX baXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

missed XXXX payment in XXXX of 2020 due to the covid XXXX epidemic account is current now and no other late payments have ever been on account 'trying to buy a house and late payment is hurting credit score
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to First Guaranty Bank regarding the inaccurate and misleading reporting of my account. Despite making regular automatic payments, which are debited monthly from my account, these payments are not being reflected in my payment history. The account inaccurately shows no payment activity, which is blatantly false. 

To date, I have not received any response from First Guaranty Bank regarding my dispute. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to respond within the legally mandated timeframe demonstrates negligence, and I believe the information they are reporting was not validated with 100 % accuracy. This ongoing inaccuracy is damaging my credit report and unfairly affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof.

Additionally, I invoke my rights under the following FCRA provisions : 1. FCRA Section 605 ( a ) - It is the responsibility of credit reporting agencies to ensure maximum accuracy of the information they report. The inclusion of late payments caused by identity theft and data breaches violates this section.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) - Under this section, I demand an immediate investigation into this matter and the removal or correction of the inaccurate information within 30 days.

3. FCRA Section 623 ( a ) ( 5 ) - This requires furnishers of information to investigate disputed data thoroughly. If the creditor can not provide concrete evidence that the late payments are legitimate and not the result of identity theft, they are obligated to cease reporting this information.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments on an item/account that I had taken care of years ago and paid it off completely. I've called Toyota Financial Several times and spoke to dozens of representatives where I was told that they will submit a change to my credit report to reflect paid as agreed, never late. I am not sure how this happened, but I made my monthly payment as required by the contract, but I believe the dealership added extra products that subsequently changed the terms and contract without my knowledge. I clearly remembered dealing with your toyota dealership to removed the extras that was added. It was then removed, and i'm not responsible for the extra fees.
Product: Debt collection

Im a poverty stricken XXXX XXXX XXXX XXXX senior citizen ( XXXX since 2000 ) subsisting on Social Security and occasional small monetary gifts from family members. Last year while recovering from life threatening XXXX for XXXX XXXX i was awakened by crazy banging at night on my apartment door ; man flashing a badge saying he was police and i must let him in. I was petrified. I said he couldnt come in but if he wanted id open the door and let my ( due to the banging ) snarling crazy man eating boxer out. He fled down the hall leaving papers about some judgment against me in my mailbox ( i got weeks later : i was completely bedridden w family two thousand miles away and the mail boxes a five min walk away ). Since then Portfolio Recovery Associates have petitioned the court and copied me repeatedly threatening to garnish my bank account for some thousand dollars plus for an undocumented debt i dispute ( at least ten years old, i do not know, its unspecified ). 
Every day im terrified ill starve to XXXX  because theyll garnish my tiny bank account. I plan to retaliate by calling the local consumer reporter and do a news story if they do. 
Im a former consumer reporter myself so i know how to facilitate this. 
Help stop my fear and their harrassment over an unknown and ancient alledgedly small debt.
Product: Checking or savings account

At the beginning of XX/XX/2022, I received a statement from Bank of America for an account which I did not open. The account number is XXXX XXXX xxxx. I spoke to XXXX at Bank of America by the XXXX number, and he transferred me to XXXX at fraud services. I explained to her that I did not open this account, requested that it be closed, and asked for a copy of the application. She said they would close the account and provide a copy of the application. Today in the mail I received this past month 's statment, showing that the account is still open. They also have not provided a copy of the application as they promised. Bank of America has not responded to me nor helped in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX 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 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  - XXXXXXXX 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 or other personal consumer reports

There are accounts on my credit report that are presently connected to ongoing litigation. As these cases are still pending, their current inclusion on my report is unfairly affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the XXXX account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers are required to report accurate and consistent information to all credit bureaus. However, the information regarding this account varies between bureaus, indicating a violation of my rights. 

Additionally, under 15 U.S.C. 1681i, I have requested multiple reinvestigations, yet they continues to report the account as " verified '' without providing adequate proof of validation. This failure to properly investigate and correct these discrepancies is causing unjust harm to my credit profile. 

Due to these violations and the inconsistent reporting of this account, I formally demand that Experian delete the XXXX account from my credit report immediately. If this issue is not resolved, I will explore further action to enforce my rights under federal law. 
I also need a writing reply mail to me of how you reinvestigate who and the process name of who did it Please provide a written confirmation of the deletion within 30 days, as required by the FCRA. 
PS : I attached The Evidence of the inaccuracies
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered 3 delinquent accounts that does not belong to me. However, I firmly believe that these accounts entry is incorrect and should not be associated with my credit history.

In accordance with the Fair Credit Reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation.

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim. I urge you to consider this evidence during your investigation.

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate Accounts entry. 

Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance with a medical debt collection issue involving Ability Recovery Services , LLC. This debt, referenced under account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently being reported to credit agencies as outstanding. Given my unique circumstances as a confirmed XXXX XXXX XXXX XXXX I believe this debt has been misattributed to me, violating my rights under consumer protection laws. I am requesting immediate removal of this entry based on these extenuating circumstances. 

As you may be aware, both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide safeguards against inaccurate or deceptive practices by debt collectors, particularly for individuals in vulnerable situations, including survivors of XXXX XXXX Under these laws, I am entitled to dispute any debts that can not be clearly validated. Ability Recovery Services , LLC has failed to provide credible documentation that this debt is both accurate and legitimately owed by me. Without such documentation, they are legally obligated to remove this debt from my record. 

Additionally, per the mandates of the FDCPA and FCRA, unverified or misattributed debts must be corrected promptly to ensure fair and accurate reporting. Considering my verified status as a XXXX XXXX XXXX I request the CFPBs assistance in removing this debt from my credit report and ensuring my consumer rights are fully protected. 

Thank you for your time and attention to this matter. I appreciate your support in upholding fair debt collection practices. 

Sincerely, XXXX XXXX
Product: Student loan

Due to the federal lawsuit filed against Navient, I am concerned that my loans can not be verified. I am also very concerned about the allegations of the Federal lawsuit that have been made and filed against Navient.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report and noticed an account that was not reporting accuratly. There are XXXX late payments that I know were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account should not have late payments at all. There is an attachment with a copy of my report in this complaint for the following date XXXX. I am requesting an investigation and verified proof, I request those payments to be updated and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Statement Personal Statement Personal Statement Personal Statement The other inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dates on these inquiries are XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate personal information that appears on my LexisNexis consumer report. Upon reviewing my file, I have noticed multiple errors regarding my address, name spelling, and email addresses. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of all incorrect information, and the correction of my personal details as follows :
Product: Mortgage

In   XXXX  ,   Carrington Mortgage modified my loan without my approval and/or knowledge.
I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never  theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification.   During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years (  XXXX  ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification.   I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}
Product: Checking or savings account

I put in a dispute regarding non dispense from an ATM. Immediately after i put in the dispute, XXXX suspended my account. My account was given an provisional credit after they suspended my account. XXXX is not giving me access to these funds despite me emailing them and telling them about Regulation E which states when a provisional credit is given, the consumer shall have full access to those funds. XXXX responded with the same outcome. They will not allow me to access the funds in my account concerning only provisional credit funds. I even have a letter from XXXX telling me I will have full access to the funds provisionally credited to my account immediately. In reality they will not allow me to access my account period including the provisional credit in my account.
Product: Debt collection

I reached a buyout agreement with The XXXX in XXXX of XXXX, the agreement was Id give 60 days notice and pay the rent owed during that time, once that time frame was up Id owe an additional months rent of XXXX and the manager at that time, XXXX XXXX advised I could even set up a payment plan if need be. I pay XXXX on full, XXXX in full, and the rent for XXXX was prorated based upon the date I gave notice. We moved and Id tried establishing the payment plan with XXXX, Id left the area to work out of town for a while. She kept putting the matter off, and we soon found out shed quit. The new manager stated she had no knowledge of the buyout and that shed moved me out of an apartment on XX/XX/XXXX but wed left in XXXX. They refused to adhere to the buyout agreement that was with their previous agent XXXX XXXX and began running a total again. The remainder of XXXX, XXXX, and XXXX, even though their manager admitted to allegedly moving me out. I have screenshots and emails of everything, even their website prorating XXXX rent. And the payment being made and is owing zero. I believe this to be retaliation from a legal matter we had months prior, they were the victims of a theft and had several money orders stolen and cashed. As a result they tried to charge us for their theft, we refused and they tried to evict us for XX/XX/XXXX rent. The judge found in our favor and they still kept that balance there for months, we had to contact the judge in order to have the complex remove the balance that wed legally established we did not owe! I still have a copy of the judgement as well. They sent the present matter over to IQ data, I disputed this using the method they provided. The apartment complex nor their corporate office ever responded to the dispute, IQ data kept calling stating I owed a debt even though I was in an active dispute period and their client never responded, they admitted as much on their recorded line. I disputed this matter in XXXX of XXXX with IQ data and their client The XXXX a living well homes community has still yet to respond, but IQ data placed the disputed matter on my credit report even though I supplied them with evidence supporting my argument and their client never provided a debt validation. This has caused my family and I to have to rent hotels spending mountains of money.