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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I WAS MILITARY XXXX IN XX/XX/XXXX AND RETURNED INTO THE XXXX BACK IN XX/XX/XXXX. THEIR WAS MUILTIPLE ACCOUNTS OPENED IN MY IDENTITY WHICH WAS NOT AUTHORIZED BY ME AND XXXX OF THE CREDITORS IS MIDLAND CREDIT.
Product: Debt collection

I have just checked my credit score from XXXX XXXX and when I did it said I have a derogatory account which is True Accord XXXX I have no knowledge of this debt. My credit report says that I owe {$85.00} for a Account charge off, dates late XXXX, reported XX/XX/24, XXXX last four numbers of the account number, date of account status XX/XX/24. I have not seen anything from this collector. Today when I pulled up my XXXX credit report was the first time I saw it. For XXXX years I have lived @ the same address, so I shouldn't of had any problems with my mail. Under the fair debt Collection Rule I should have received some form of validation of this debt before they reported it on my credit report. I have looked thru my pile of mail in my box there ( over a yr. old ) there is nothing from this company. I do not know who this is or who they are collecting for. I have had in the past a collection agency that somehow got ahold of my credit report and tried collecting a charged off debt but I called the original creditor just to find out they did not send the account for collection. If I knew who they got this debt from I could call them for validity. I have filed a dispute with XXXX also. Thanks
Product: Checking or savings account

Over the last several months I've contacted TD bank multiple times and requested that they close my small business accounts for XXXX XXXX XXXX. They have thus far refused to close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of inquiries issues with Transunion Inquiries were removed but added back to credit report Contacted Transunion to resolve issues and they did not help with the negative negative inquires 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX   XX/XX/XXXX 7.XXXX XXXX  XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX/XXXX 10. XXXX XX/XX/XXXX 11.XXXX/XXXX   XX/XX/XXXX 12.XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!.
Product: Checking or savings account

When I opened the account, terms stated that if I deposited XXXX and left it in account for 90 days, I would receive a {$300.00} bonus. Deposited XXXX in XX/XX/XXXX ... still no bonus. Called Citibank on week of XX/XX/XXXX. Was told an investigation would be opened and would hear back by end of week. Never heard back, still no {$300.00} bonus.
Product: Checking or savings account

Hello, I just received an email that XXXX is closing all of my account and all of the accounts that also belong to my 5 children. I am on an account with my sister who has a problem with XXXX but she is closing her account and that has nothing to do with me or my 5 kids accounts. My husband and I have had this account for over 20 years and my husband, my kids, and myself should not be punished for something that had nothing to do with us. I was on an account with my sister because she has XXXX XXXX XXXX and I TRY to help her. I don't care about the bank closing her account but my family should not suffer because of her. Especially my children! I have never even heard of something like this! My family has 10 accounts and has never had issues. This is absurd we are being punished for my sisters actions. Her actions did not even happen with the account that I share with her.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

To provide context, my husband and I filed for XXXX  XXXX bankruptcy, with specific arrangements in place to exclude XXXX XXXX from the proceedings. Unfortunately, XXXX XXXX took legal action to include the mortgage, resulting in unforeseen fees totaling {$1000.00} being charged to our account. We firmly dispute this additional fee, contending that XXXX XXXX should bear the responsibility for these expenses, given that they initiated the process of including our mortgage in the bankruptcy.
Product: Bank account or service

XXXX was authorized on XX/XX/XXXX for XXXX XXXX on XXXX, it was a one time charge, and when it was processed there were ample funds to cover this charge. I see that it 's now showing up on XX/XX/XXXX, well past the posting date causing an invalid {$38.00} NSF fee. I request that this overdraft fee be removed. Furthermore, an XXXX charge for less than one dollar is completely ridiculous. Per the terms on overdraft, The NSF charges described above are applied for processing items presented for payment against insufficient funds ( NSF ) with a maximum of XXXX charges per day. This payment was presented on XX/XX/XXXX, therefore the NSF is invalid. 
In XXXX 2016, I filed a complaint against this company because I thought that as long as my posted ( Cleared ) balance did n't drop NSF than I would n't get charged a fee. However, what they sent CFPB and me, it 's based on when the card is swiped, not the posted balance. Now after a conversation with them, they are changing and sending me a fee for this.
Product: Mortgage

I have XXXX minor dependents and I have desperately attempted to complete a HAFA short sale with Wells Fargo. My loan was originated by XXXX XXXX. It was a Pick-a-Pay interest only loan. The payments escalated higher than the market rate. I lost my job and experienced a series of hardships. I was denied a loan modification and have requested a HAFA short sale so that I can relocate with my children. I have been forced into bankruptcy because the legal track has not halted or slowed down while waiting for an answer. I was told the Texas office had to handle this matter because of XXXX and this could not be uploaded in the XXXX system. I have yet to receive the approval needed and the new school year is beginning. I have a viable cash buyer and I have performed every pre-requisite needed to fulfill the criteria of a HAFA short sale. This has been my only homestead for the last XXXX years and I would like to resolve this matter.
Product: Checking or savings account

USAA closed dispute on XXXX and failed to update system, not allowing account to close and allowed my abuser to have access to the accounts even with a copy of the domestic violence order. They failed to remove me from his account, with my signature and had a copy of his poa and called him several times. They were made aware, he used my cards, and then failed to pay for bills. Making accounts negative and holding me liable. These practices resulted in USAAs failure to adequately address the unauthorized or incorrect transactions, as is required by law. They also detached our auto insurance and didnt notify me that the service member did so because we are separated but legally still married. They were aware he was take. XXXX and did nothing to prevent it. They also called my abuser several times which put me in jeopardy of my order of no contact because they contacted him when no one can call on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX {$2800.00}
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unverified and inaccurate accounts on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove all the inaccurate and unverified accounts as soon as possible within my federal and state consumer and/or civil rights.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$6100.00}, XXXX XXXX XXXX balance {$30000.00}, XXXX balance {$20000.00}, XXXX XXXX XXXX XXXX balance {$12000.00}, XXXXXXXX XXXX  balance {$49000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, BBVA has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I keep disputing the same mistake and maybe fools to take it off of my credit report I sent in a letter from XXXX XXXX expressing what I owe them. How is this company allowed to charge me more when I do not owe that so I do not owe this account for them, holding up my credit for years now with misinformation and will not take it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Have requested this removal from my Experian report, most recently this XX/XX/XXXX along with provided documentation backing up my request ; to delete a negative comment regarding the XX/XX/XXXX entry of XXXX XXXX XXXX. While enforcement was handed a 'figure ' found in arrears, I have never missed a monthly payment either. Payments have been monthly/timely and are based on the payment of 65 % of the total monthly XXXX amount and can not be anything more as this was my only means of support when the Order was written. 
It is the 7-year rule I reference. Prior to the XX/XX/XXXX Support involvement I had been paying monthly, on time, the same amount since SSDI approval retroactive to XX/XX/XXXX in which the custodian received a retro lump-sum payment and monthly thereafter DIRECTLY from SSA without any intervention on my part at any time. Once Support got involved in XX/XX/XXXX payments were sent to XXXX directly, they did their Title IV-D voo-doo and garnishment continued unchanged from my perspective. It is now 8 years later and I am requesting of Experian to remove this negative comment regarding Support XXXX. They took the 30 days, contacted the New York Agency ( where I don't know and they did not provide me any feedback from XXXX ) and the matter denied without explanation ; was I right in requesting? or wrong in requesting? or are they simply denying as addtional funds are due but being paid timely all along. 
I am requesting this New York XXXX XXXX XXXX entry to be removed immediately as it is in excess of 8+ years and Experian took it upon themselves to 1 )  not delete it, and 2 ) chose to refer it to the New York Support Agency despite the rules bv which all are bound should grant the exclusion of this derogatory and outdated comment and not handle the matter relative to these same rules themselves.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft i need this resolved asap
Product: Student loan

I received student loans subsidized and unsubsidized and consolidated them and started to repay the loans in XXXX. 

I have requested that Nelnet send me an amortization schedule and have not yet received this information. There is no consistent amount applied to interest or principle. My original loan after consolidation fee was {$30000.00}. As of XX/XX/XXXX I have paid {$24000.00} of that payment {$16000.00} was applied to interest and {$7000.00} has been applied to principle. My current principal balance is {$33000.00} which is {$2400.00} more than my original loan balance. 

When I call and ask about the fact that my principal has never been lowered. They tell me that it is because my loan has been put in forbearances multiple times. When I asked to see documentation of why this happened ; I was told this was a verbal agreement. I disagree with this because I have not asked for forbearances and feel like this is just an excuse to increase interest rates and capitalize interest. 

I feel like Nelnet is using fraudulent lending techniques to increase loan balances by capitalizing interest.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed.XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my crea standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX I called and left a vm no response on two occasions XXXX I emailed them no response two occasionsXXXX the company is called XXXX and XXXX number is XXXX address is XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
Product: Debt collection

XXXX XXXX 's XXXX XXXX contacted my place of employment after being unable to contact me sometime this morning, XX/XX/year>. She did not identify herself as a debt collector. She kept attempting to discover my work schedule from my boss by asking questions that would have indirectly given it away. When my boss refused to cooperate, XXXX asked " Is the schedule you gave me for him correct? '' To which my boss replied, " I never gave you his schedule. '' XXXX replied " oh, okay. '' The call ended after this. My boss described her tactics as " incredibly suspicious '' and " unprofessional. ''