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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had four late payments on an account that i was in fact paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments or late 120 Days. I've attached a copy of my report to this complaint on the following dates I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I am a surviving spouse of a veteran, my husband died XX/XX/2018 he is the only one listed on the mortgage. I had no idea he was behind on the mortgage. I did later find out that at the time of his death he was working to get a loan modification but was not able to provide all of the documentation before his death. I have tried to talk with the company Select Portfolio Servicing to see if they will work with me to bring the mortgage current but they will not talk to me. I was also able to send in a copy of the death certificate. I just received a notice from an attorney 's office that they were proceeding with foreclosure. I am working with a HUD approved non-profit counseling agency and we have reviewed my situation and I can make payments if they will work with me. Please ask them to abide by the surviving spouse provision so I can save my house.
Product: Credit reporting or other personal consumer reports

Please Delete these inquiries from my credit report XXXX XXXXXXXX XXXX XX/XX/year> and XXXX XXXXXXXX XXXX XXXXXX/XX/year> were done fraudulently and unauthorized without consent. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in advance.
Product: Credit card

This XXXX account was opened by my son who shares my name to mess up my credit due to me moving out of the house, he has paid the account but was late 2 payments.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my XXXX  and XXXX  credit reports and two accounts (Capital One and XXXX XXXX) that I have paid off on XX/XX/2019 still showing a balance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX   Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX Account Number XXXX Closed Status : Account charge off. {$12000.00} Account Number : XXXX XXXX XXXX Account Number XXXX Closed Status : Paid in settlement. {$810.00} Written off Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Product: Debt collection

Portfolio Recovery Associates had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX Bank for the amount of {$2700.00} plus court costs. 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that Portfolio does not have any right to appeal this judgement. 

Since that day, Portfolio has continued to tell all XXXX credit bureaus that the debt is valid. 
Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was opened in my name fraudulently has to do with identity theft. I submitted an affidavit and also a police report. The company response was they never received a police report which i do have one in my possession as proof. This account should be removed from my credit report promptly as I a a victim of identity theft.
Product: Student loan

Called Navient on XX/XX/XXXX for two ( 2 ) closed student loan account that were consolidated and accounts should not be on my credit report because the credit bureau ( XXXX ) said that the accounts does not have verified date of the first late for them to remove the account. The account shows XX/XX/XXXX current and XX/XX/XXXX 90 days late instead of 30. The lady I spoke with on XXXX said that my actual first late was in XX/XX/XXXX which is not showing on my credit report and account is over seven years from the first late on both account and should not be on my credit report. The lady said that I should receive a letter showing my first late on the accounts in 7 to 10 business days because the can not email it. I never received any mail so I call XX/XX/XXXX spoke with a guy on the phone and explained my situation he said give him a moment and left me on the phone for 45min hold and  never came back on the phone.
Product: Credit reporting, credit repair services, 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 act 15 usc 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, this issue remains unresolved. The continued inclusion of these items has had a severe impact on my life, causing undue stress and anxiety. It is important to emphasize that I neither authorized nor consented to the association of this information with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an era where transparency and accountability are crucial, it is essential for financial institutions to provide adequate documentation when charging their customers. XXXXXXXX XXXX XXXX refusal to provide documentation to substantiate a charge raises serious concerns about their practices and highlights the need for increased scrutiny. This argument presents reasons why charges should be added and highlights the significance of XXXXXXXX XXXX XXXX  unwillingness to provide any requested documentation. 
One of the fundamental principles in consumer protection is ensuring that consumers are treated fairly and have access to all relevant information regarding charges made to their accounts. By refusing to provide substantiating documentation, XXXX XXXX  denies its customers the opportunity to review and validate the legitimacy of the charges. This lack of transparency undermines consumer trust and raises suspicions about the legitimacy of charges. 
Without adequate documentation, customers are left in a state of uncertainty regarding the legitimacy of the charges imposed by XXXX XXXX. Providing substantiating documentation is not only a responsible business practice but also a legal obligation in many jurisdictions. Customers have the right to verify that the charges align with their contractual agreements, and by refusing to provide such documentation, XXXX XXXX  fails to fulfill its obligations and exposes itself to accusations of wrongful billing. 
In cases where customers question the accuracy or legitimacy of charges, the ability to examine supporting documentation is critical. By refusing to provide such evidence, XXXX XXXX  makes it nearly impossible for customers to effectively dispute charges and seek resolution. This lack of cooperation can result in prolonged disputes, damaged credit scores, and an erosion of trust between the bank and its customers. Financial institutions are subject to various regulations and guidelines aimed at protecting consumers ' rights and ensuring fair business practices. These regulations often require banks to maintain records and provide documentation upon request. XXXX XXXXXXXX XXXX refusal to provide substantiating documentation may indicate a potential violation of these regulations, thereby undermining their credibility and potentially leading to legal consequences. 
Transparency is a cornerstone of ethical business practices. By refusing to provide documentation, XXXXXXXX XXXX raises doubts about its commitment to transparency and accountability. A responsible and ethical institution should willingly provide customers with the information they need to understand and validate the charges imposed on their account. By arbitrarily adding charges with no way of knowing where they originated is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX  account open and they insist that the information belongs to me. 
When I called Bank of America and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.
Product: Debt collection

XXXX ( XXXX XXXX XXXX XXXX ) sold to : First Federal Credit Control ( 3rd party debt collector ) Original XXXX Member ID # XXXX XXXX ( Insurer ) XXXX originally coded procedure incorrectly as per XXXX Ref # XXXX all claims were presented and paid. XXXX is supplying all EOB 's ( Explanation of Benefits ) for XXXX. There is documentation conflicting XXXX 's notation of NO gap in coverage. XXXX was paid in full. Reported insurance fraud from XXXX and pending investigation along with documentation from XXXX. 
Have turned matter over to attorneys @ Consumer Attorney / Attn : XXXX XXXX - Legal Assistant. Phone No. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint regarding an unresolved, ongoing delay with a wire transfer routed through XXXX XXXX ( sending bank ) to Citibank ( receiving bank ) in the United States. The funds are being withheld by Citibank. 

The transfer, initiated from my Wise account ( through XXXX XXXX ) and directed to my Interactive Brokers ( IBKR ) account ( which banks with Citibank ), was expected to complete on XXXX XX/XX/year>. Both XXXX and XXXX have informed me that the funds are held for additional review at the receiving bank, Citibank, despite my having provided all requested documentation. This delay has resulted in significant inconvenience and financial disruption. 

Details of the Issue : Entity/account holder : XXXX & XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX on behalf of Wise Receiving Bank XXXX Citibank, XXXX on behalf of Interactive Brokers ( IBKR ) Amount of Transfer : XXXX {$90000.00} Date of Expected Transfer Completion : XXXX XX/XX/year> Case Reference provided by IBKR for the investigation by Citibank : XXXX / XXXX Wise transfer reference : XXXX IBKR 's deposit reference : XXXX Background : On XXXX XX/XX/year>, I initiated a wire transfer through Wise, which was routed via XXXX XXXX, to my IBKR account XXXX with Citibank acting as the receiving institution XXXX XXXX requested and received additional information to support the transfer, subsequently assuring me that the funds would be released by XXXX XX/XX/year>. However, despite XXXX and XXXX confirming that no further action is required on my part, Citibank has yet to release the funds, citing an ongoing review. 

There has been obvious financial loss, given that the funds have been held up for more than XXXX weeks at this stage. 

Request for Assistance : Given the involvement of XXXX, XXXX XXXX XXXX, XXXX XXXX and Citibank, I am formally requesting the CFPB 's intervention to expedite the release of my funds and facilitate communication with the relevant parties. If additional documentation is required to resolve this matter, I am prepared to provide it. Attachments : XXXX ) SWIFT confirmation for the transfer XXXX ) Wise 's transaction invoice for the transfer XXXX ) Email from IBKR stating hold up by its bank ( Citibank ) XXXX ) Email from XXXX confirming that no further information was required and funds would be released on the XXXX XXXX latest. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the timely completion of my transfer.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS NOT doing there job. 
XXXX XXXX XXXX XXXX XXXX XXXX  all of these account isn't late and I need for them to delete the late off my account. 
Your company is in clear violation of the law. Under 15 usc & 1681 permissible purpose of consumer reports, the law clearly states : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my report?
Product: Debt collection

I was informed about a debt on XX/XX/XXXX from XXXX via representation with Penn Credit. I disputed a collection account since I had moved from the property in XX/XX/XXXX with Penn Credit in writing in XX/XX/XXXX, but they never responded to my dispute. Despite this, in XX/XX/XXXX, a collection agency reported the debt to the Credit Berauo without validating it or notifying me of the end result of the dispute. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The debt collector failed to investigate within the required 30-day period, and the collection agency did not provide proof before reporting the debt. I am requesting an immediate removal of this inaccurate collection account and an investigation into both the credit bureau and the collection agency for violating federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.