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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

A few months ago XXXX agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This XXXX loan was supposed to fix my credit instead if give me a heart ache and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to help me!
Product: Debt collection

Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with XXXX XXXX XXXX It was already established with XXXX and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with XXXX  that shows a very clear {$0.00} BALANCE.

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX XXXX.
Product: Checking or savings account

I had unauthorized charges from XXXX on XX/XX/XXXX. I reported it to Chime on XX/XX/XXXX. The next day the denied the claim. When I looked at the documents they used to deny the claim they stated it was due to me depositing money in my account the same day. My purse was lost with all of my cards inside. I shared the information with Chime and they did not use that information in their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XXXX XXXX, 2022, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by XXXX points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Product: Credit card or prepaid card

I closed all of my amex accounts on XX/XX/XXXX as they kept charging me for hotel stays that my ex husband charges to a old card he still has. I have all of the emails showing where the accounts were closed. I closed these accounts ( some of which I have had open since XXXX ) because they continually allow him to charge on my card as an additional user despite the constant calls and conversations I have had with them through the years. I assumed me cancelling all connections with this company would finally stop the charges. Yet I received another statement saying that I owed money for yet another hotel he has charged on my account. I contacted an attorney. She sent them a letter. Their response to the letter will be in the documents that I am attaching. After sending my attorney the response from AMEX she advised me to file a complaint with your agency. If that doesn't work we will move forward to a law suit. I don't understand why they keep allowing charges on a card that they acknowledge is cancelled and then think it is ok to send me the bill and put my good credit at risk. I need HELP. I need for them to stop allowing charges to go through to hotels and then they send me the bill. He uses the card to reserve rooms because if he doesn't show up he doesn't care if it is charged because he isn't the one being billed. So for him it is a win win. For me it is a nightmare!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open an account with Huntington bank in my name and social security number
Product: Debt collection

To Whom It May Concern : Notice for Validation of Debts Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX, XXXX ( All Rights reserved )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo claims that the total amount past due is {$40000.00} ( see attached ). The alleged claim is for 51 payments. The original amount financed was {$92000.00} at 4.25 %. Since the current P & I payment is {$450.00}, the amount of interest due per month would average around {$300.00} per month. Therefore the total amount of interest past due should be {$15000.00}. Since the escrow amount is roughly {$150.00} per month, the total past due escrow would equal {$7600.00}. Therefore the total amount due should equal {$22000.00}. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have also applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XXXX. Wells Fargo has refused to cooperate and has set a foreclosure sale date ofXX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and dispute regarding fraudulent and illegal reporting on my Experian ( EXPN ) credit report. I am a victim of identity theft, and the following accounts were opened without my knowledge or authorization. 

Additionally, I am filing a complaint against XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX for illegally re-aging and repeatedly charging off these accounts, thereby resetting the 7-year reporting period. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Legal Grounds : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent accounts within 4 days. 
15 U.S.C. 1681i Mandates a reinvestigation of disputed accounts.

15 U.S.C. 1681n Holds reporting agencies and creditors liable for willful non-compliance, including punitive damages.

15 U.S.C. 1692 Prohibits unfair practices, including re-aging debts to manipulate credit reporting timelines. 

Disputed Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Violation : Re-aging and repeated charge-offs, resetting the 7-year reporting timeline illegally. 
XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Violation : Re-aging and repeated charge-offs, violating the FCRA. 
XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Violation : Re-aging and repeated charge-offs, manipulating the credit reporting period. 

Violations and Demands : 1.Experian ( EXPN ) is illegally reporting negative information from fraudulent accounts, which violates the FCRA. This is especially concerning given Experians ongoing legal challenges for inaccurate credit reporting practices. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are manipulating charge-off dates and re-aging accounts to unlawfully extend the 7-year reporting limit, violating 15 U.S.C. 1681c.

3.Under Section 605B, I demand the immediate removal of all fraudulent accounts within 4 days.

4.Under 15 U.S.C. 1681i, I request a full reinvestigation of each disputed account due to fraud and inaccuracies.

5.Under 15 U.S.C. 1681n, I am notifying all parties involved that continued non-compliance will result in legal action, including claims for statutory and punitive damages.

Cease and Desist Notice : Under 15 U.S.C. 1692, I am issuing a Cease and Desist notice to XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX. All communication and collection efforts regarding these fraudulent accounts must cease immediately. Any continued contact will be considered harassment and a direct violation of the FDCPA. 

Federal Trade Commission ( FTC ) Report : This dispute is supported by an official Identity Theft Report filed with the FTC, which provides legal proof of fraud under Section 605B. This report is enclosed for your review and further validates the necessity for immediate removal of these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

Collector called my employer asking what days I worked. It is against our policies to tell others a employees work schedule.so my employer called me saying they called and left their name. I called collector back and told them they should of left me a message on my phone instead of calling my work. They relied, they are n't allowed to leave messages!
Product: Credit reporting or other personal consumer reports

This is my second endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Bank account or service

To Whom It May Concern ; Dear Sir/MadamI needed to pay XXXX AED to a lawyer in XXXX from my bank account that I have with Wells Fargo. This is not something that I usually do on my daily banking so I was not familiar or had any experience beforehand. 
I stopped by at a local branch located at XXXX XXXX XXXX XXXX XXXX, VA, XXXX to do the transfer. 
The exchange rate the branch gave me was XXXX for XXXX US dollar to which I agreed to since I thought Wells Fargo as a bank should have comparative rate that should be comparable to any other bank or any other financial services like XXXX XXXX who offer money transfer. 
I then sent the receipt to my lawyer as for informing them that money has been sent. 
I then received a phone call from them that the rate at which I converted my Dollar was very low and never saw anything like this in the history of all the exchanges that has ever been done. 
That raised a question why Wells Fargo offered such low exchange rate so I started to investigate. 
I first checked with apple federal credit union bank to find out what their rate was. 
I was told they do n't do exchange at their branch at all, instead they send the money in form of Dollar and the exchange will happen in XXXX at at receiving bank. 
I then checked the rate in XXXX and found out the exchange rate there is XXXX for each US dollar. 
I then checked XXXX XXXX and noticed their rate is XXXX and has always been like that. 
pleas consider that XXXX has a strong economy and their exchange rate does not fluctuate much. 
Had I sent the money with XXXX XXXX XXXX XXXX, I would have sent {$13000.00} or {$13000.00} if I had used XXXX XXXX. 
I ended up paying {$14000.00}, {$330.00} ~ {$450.00} more just because I used wells Fargo Bank. 
Apparently, Wells Fargo in addition of {$35.00} Wire transfer fee, is making between {$300.00} to {$500.00} as hidden fee by buying Dollar at lower exchange rate, XXXX, and selling it at higher rate, XXXX XXXX. 
I have also attached the history of Dollar to XXXX exchange rate that shows the min and max rate for about a week ago that shows the rate was never near XXXX. 
I request a refund be issued according to correct exchange rate that has always been used internationally to convert USD to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title XXXX  XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681-2 ( 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

Good Morning ; I'm not sure what's going on with M & T Bank, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

OLD HARD INQUIRES TO REMOVE OFF ACCOUNT
Product: Payday loan, title loan, personal loan, or advance loan

Its impossible to change a due date. Can not get a hold of them. The issue I have is twice now I will receive an email and a notice in the mail stating Im past due when my due date hasnt even past yet. This is causing XXXX  abs stress because my husband got the mail and thinks Im past due in a bill when Im not late.
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 : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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.