23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXXXXXXXXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Product: Credit card

Several years ago I accepted a fixed rate for " life of the loan '' on a credit card issued by Washington Mutual. The rate was 3.99 % for several thousand dollars. 
The account was sold to JPMorgan Chase. They bumped the rate to 28.99 % for no reason. There has never been a late pay nor any derogatory action on my part. I called Chase and asked to speak to a manager. I wanted to know where it was written that if the account was sold my interest rate could change. She did n't know, neither would she help me. They could not produce a document I signed or agreed to permitting that interest change on sale of the account. 
I still owe about a {$1000.00}. years later. I was hoping your agency could help me retrieve the excess interest I have paid over the years. I was fortunate to have to money to pay, but this put many others into bankruptcy after Washington Mutual sold to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following has violated my rights. 

Bankruptcy Case Number : XXXX Collection Account : XXXX Account NumberXXXX Collection Account : XXXX XXXX Account Number : XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Collection Account : XXXX XXXX XXXX Account Number XXXX XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXXXXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX  Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXXXXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : XXXX Account Number : XXXX Paid Account/Late Payments : XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A : 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a charged off account but reflecting a account with a balance due and a balance limit. The accounts were charged off to collection agencys and yet they are still reporting innacruate information showing I have a balance due and a credit limit with both accounts. Both accounts have been closed for over 2 years! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status CHARGE_OFF Reporting a charged off account but reflecting a account with a balance due and a balance limit. The accounts were charged off to collection agencys and yet they are still reporting innacruate information showing I have a balance due and a credit limit with both accounts. Both accounts have been closed for over 2 years! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status CHARGE_OFF Reporting a charged off account but reflecting a account with a balance due and a balance limit. The accounts were charged off to collection agencys and yet they are still reporting innacruate information showing I have a balance due and a credit limit with both accounts. Both accounts have been closed for over 2 years!
Product: Checking or savings account

Account and all access to MY funds have been locked. I am XXXX in the middle of the XXXX XXXX XXXX XXXX XXXX. They lock my account and say 'call me ' ... there is XXXX reason to have account locked. Internet is extremely spotty but it is not incorrect!! They are either completely XXXX ... .Deonis or extemely rude and arrogant and do n't give a XXXX XXXX  whether you are stranded halfway across the planet because of their error ... that would be the lovely XXXX XXXX . She has mastered the phrase we do n't care 'ma'am ' nicely. They refused to do anything or even give a reason as to why access to my money was locked. They they act like it 's theirs and basically it is because they have stolen it. I told them I would report them and they acted like ... .go ahead ... .you ca n't do XXXX about it ... .you 're XXXX. HA HA ...
Product: Debt collection

They called repeated times after I disputed and asked for itemized statement of my XXXX account I had to block the number they then began to change number they called from in attempt to pass my block and I never got my itemized statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled
Product: Mortgage

XX/XX/XXXX my house in XXXX, Va was sold in a short sale with GMAC which covered the mortgage and XXXX mortgage. GMAC transferred the XXXX mortgage to Ocwen Loan Servicing when it was not owed. Ocwen after researching said I did not owe it and to disregard and letters in the mail until they enter info. They never took it off my credit report. It is still on there as an adverse account. The " loan '' was then transferred to XXXX XXXX whose loan administration after 3 months research found I did n't owe it either as it was paid off in short sale. XXXX has removed the loan from my credit report but can not remove Ocwen. I see there are other people having the same problem and many other problems with Ocwen. Ocwen is currently on alert and being looked into by the government and law suits are pending approval. I do not want to do a lawsuit and just would like it off my credit report since it never should have been there since the beginning with GMAC. The attorney general of VA sent me a check for XXXX and an internal audit sent XXXX for the illegal handling of the sale and loan by GMAC. It in no way made up for the many problems and financial issues and nothing should have been transferred to Ocwen. When you call Ocwen they are from XXXX and can not understand issues because they do n't speak very good English and do n't understand it either, they read from a script and never understand the problem or they just hang up on you. They had agreed to remove it but as of now it is still on there. Talked to them about this matter XX/XX/XXXX. 
Please help me if you can It has been too long and my stress level is out the roof. Anything you can help me with would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX  XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

XX/XX/XXXX I have Wyoming medicaid and was lied to by a nurse working that medicaid would cover myXX/XX/XXXXi received 1 bill in the mail months ago and a bill dated XX/XX/XXXX due by XX/XX/XXXX but my collection is dated XX/XX/XXXX i feel lied too and not given proper time to even understand the debt
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citibank checking and savings account with the agreement that I'd be given a {$400.00} bonus. Citibank 's requirements : " Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts.

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' By XX/XX/XXXX, I met the requirement of depositing {$15000.00} in my checking account. 
I have kept the {$15000.00} in my checking account to this day of XX/XX/XXXX. My balance never dropped below {$15000.00}. After 60 days, I called Citi to check on the status of the bonus, and confirmed that I have met the requirements. The customer service rep said I'd have to wait 90 days from the day I met the requirements. After 90 days I called again to check the status, and was given another delay. They said they'd open an investigation. Their investigation determined : " Unfortunately, your account does not qualify for this promotion because the linked savings account closed. '' Well, Citibank closed my savings account without my consent! They closed it because it had a {$0.00} balance. It was closed after 90 days due to inactivity. I had already met the requirement of keeping a {$15000.00} balance between my checking and savings account for 60 days, so it's irrelevant that it was closed after 90 days. 

Furthermore, the document they sent me explaining why they denied the bonus was incorrect in saying I opened the accounts with the {$50000.00} balance requirements. I opened the accounts with the {$15000.00} requirements for the {$400.00} bonus. 

Citibank customer service phone number is impossible to connect to anyone who can help. One rep tried to transfer me to a " supervisor '' and I was placed on hold for more than an hour.
Product: Money transfer, virtual currency, or money service

I have an account with eToro USA LLC. I have my cryptocurrency in my eToro account. Recently I changed my cell phone number and now eToro is not allowing me to log in to my eToro account. I have sent several emails to eToro and left several voicemails for eToro to enable me to change my cell phone number but neither my emails have been replied to nor my call has been returned. Please intervene and direct eToro to allow access to my account. My cell phone # is XXXX. 

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

In accordance with the Fair Credit Reporting XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX Co XXXX XXXX XXXX, XXXX XXXX VA XXXX # XXXX, XXXX REF : REF : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
" ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Product: Credit card

I applied for a Wells Fargo Choice Privileges Select MasterCard on XX/XX/XXXX, but I did not receive any rewards, then I called and asked WF about it and they said it was XXXX XXXX XXXX responsibility, then I called XXXX  and XXXX  said that my account wasn't Then I called XXXX, XXXX  said my account was not linked to my credit card, and told me to go to WF, then WF said it was XXXX XXXX responsibility and not theirs, then I filed a complaint with WF on XX/XX/XXXX, but WF 's complaint handler said there was no way he could help me, then I went to XXXX, but XXXX  still said it was WF 's responsibility, and still haven't solved the problem until now!
Product: Credit reporting or other personal consumer reports

XXXX has reported that Account ending in XXXX has a 30-day late payment in which they agreed to correct XX/XX/year>. This information was updated with all 3 credit bureaus, only for XXXX to continue to report false information on my XXXX credit report. On XX/XX/XXXX XXXX reported this false information and again on XX/XX/year>, they have reported this false information after initially fixing the issue. XXXX needs to update their system and stop reporting this false information. This account was never late as stated in attached document!
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX XXXX across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX XXXX and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern Equifax, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported late payment ( s ) on my consumer report : XXXX Account # XXXX Let me be clear, the late payments ( s ) on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay! 
I would like to remind you that the consumer laws cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow. 
15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 
15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option. 
XXXX usc XXXX ( a ) ( XXXX ) is a section of the United States XXXX that outlines the permissible purposes for which a consumer reporting agency XXXX furnish a consumer report. In general, a consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other : XXXX ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report. 
It is clear that the late payment ( XXXX ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. 
Let me be unequivocally clear, according to XXXX XXXX XXXX, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress. 
I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously it immediately.