23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo reported to the credit bureau that my account was in forbearance. According to Wells Fargo, they reviewed my account and can confirmed that the COVID-19 short-term payment assistance was initiated online on XX/XX/2020. This is a lie, I clicked a button. Also per Wells Fargo 's letter dated XX/XX/2020, Wells Fargo put me into forbearance " based on an incomplete application for assistance. '' I never wanted to be in forbearance. I never consented or completed an application to be in forbearance. I want it removed from all my credit reports immediately. 

I am going to sue Wells Fargo for violations of the FCRA. Pursuant to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

This has been on my account since XX/XX/2020 and continues to remain on my account. 

An incomplete application, which was in reality a button saying ask for more information, is not consent to forbearance. 

Wells Fargo has already admitted this will impact me. " If you apply for credit while on a forbearance plan, however, the lender will see the account in forbearance comment on your credit report, and the fact that your account is in forbearance may impact your ability to qualify for new credit or refinance. '' This needs to be remedied. The word " forbearance '' needs to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Bank Of America ( BOA ) stating my account was ready to be uploaded and funded. I immediately contacted BOA 's Fraud Department to notify them that I had not opened an account with them. On that same day, BOA shut down the account and everything was okay. 

On XX/XX/XXXX, I received another email from Bank of America stating an account was established in my name and again I called BOA and was assured the account was shut down. The Fraud Center recommended I contact XXXX and let them know my identity was stolen and to shut down any access, to ensure BOA would not open any more accounts. I did as I was instructed to do and contacted XXXX. At the end of XX/XX/XXXX, I received a Bank of America checking account bank statement on account number XXXX XXXX XXXX stating it had a XXXX balance. As a retired XXXX XXXX, I chalked it up as the computer issued a statement in error and that should be the end of the situation. Well, today I received another statement, so I immediately contacted Bank of America at XXXX and I asked why was I receiving statements on an account that shouldn't exist. Long story short I was informed by two employees they had no idea or clue and could not even verify if a statement was truly issued. One questioned if I actually received an authentic BOA statement. 

My concern is that I was under the impression that this account was closed and or even deleted from their system and obviously if I am still receiving statements it still exists. My other concern is that Bank of America is not doing its due diligence and fiduciary duty to ensure accounts are not being opened by people with fraudulent intent. If they ran Credit Reports and not XXXX this may have given them a better look at a consumer 's information and possibly that would have brought up questions of the customer 's phone number listed and or previously listed addresses etc. This whole incident is very troubling and stressful to me. I am listing the previous account number set up under my name in XX/XX/XXXX ; the account number ending in XXXX
Product: Mortgage

Trying to refinance, it shows on my XXXX, that I have a 30 day late for the month of XXXX. Mortgage statement and my bank statement shows that I was not late. Ask if they could please remove it, stated that because of the bankruptcy, my ex-husband filed, I DID NOT FILE, that payments are posted to my account in a process of bankruptcy decision when they want.
Product: Debt collection

All of the following transpired at XXXX XXXX XX/XX/2017 This morning I received and email alert from my account that payment was returned. I immediately contacted them. Was told it was returned as unable to locate my account. I looked and they deleted the payment account information in which I used to pay so the first agent said asked me to verify my last 4 of my payment account and said it was missing a number I asked why I can see this online and he could not answer my question to verify if this was in fact my fault or not. I asked fee to be waived was told no, asked to be transferred to a supervisor and was disconnected in the transfer. I called back but while I was calling them received a call from them to collect payment. The agent DID NOT VERIFY me by date of birth, Social and said I had over balance of XXXX and a late fee with a return fee which I do not. THIS IS A DIRECET violation of FDCPA and will be reporting them to FDCPA also spoke to a supervisor and asked fee be waived she also said she could not verify what account was used for payment ... .so who is lying the agent or the supervisor. I told them all my calls are recorded and I have in fact proven they DO NOT know what they are doing and would pay my entire balance off EXCEPT the {$25.00} returned payment fee and I have done that and now closing account and told them if they report negatively on my credit report will sue and file complaint with FDCPA. Supervisor said in state of Texas they do n't have to identify as attempt to collect a debt, or who is on the phone which FDCPA supercedes state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting

I am a victim of ID theft from several years ago. I need to unlock my credit for XXXX hrs. to get an apartment for my son to go to college. Equifax now ( did not do in past ) says if you want your credit unlocked immediately you must go online and pay through their website. If I use an agent ( free ) it could take XXXX business days. The problem is the apartment complex can not take the time to check my credit every day for XXXX or more days. This is an intentional effort to create a very inconvenient situation so that a person will pay to get it done in a timely manner. They are trying to thwart the law. I can only imaging how many honest ID theft victims have fallen for this scam from a company that is supposed to protect us from it. 

Thank you very much. 
XXXX XXXX
Product: Debt collection

Range Collections stated that I have a debt of {$1200.00} and it was first delinquent on XX/XX/XXXX. This is incorrect as I have never had a relationship or business with them nor have I ever heard of them in any form or way. I just saw it in my credit report in XXXX for the first time when I receive my credit. I was not in the US and had no credit, this is the first I ever got any credit or even a report so how could that have been me. My credit should be clear and clean as this is the first Im generating anything. I did file a dispute with XXXX but they are saying today XX/XX/XXXX the report is accurate and verified. How could it be when this is fraud and someone is using my information. 
I am requesting that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay. This is completely false and is fraud as this is not me. This is a violation of the FCRA & FDCPA therefore it must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 10 months of dealing with a company called Loanpal and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX. Loanpal also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company Loanpal, nor should the inquiries that were never authorized be on my account at all.
Product: Debt collection

I.C. System INC., attempted to collect a debt of {$360.00} by contacting me at an incorrect address on XX/XX/2019 ; an address never used by me. The mail was forwarded to me and I responded two times demanding that I.C. System INC., verify their alleged debt. 

I.C. System INC., ignored my Notices and placed their unverified fraudulent account with the bureaus for collection. A Notice of Intent to Sue is currently on the way to I.C. System INC., for their repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq I.C. System INC have failed to provide me with a signed letter under penalty of perjury of the authorized representative of I.C. System INC.

I.C. System INC also placed their account with the bureaus for collection before the legal response time of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns DO NOT IGNORE Dear XXXX, XXXX, Equifax, I am XXXX XXXX and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request. 

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts associated with my name. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Additionally, this breach may also violate the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), which mandates financial institutionsincluding student loan servicersto implement safeguards to protect consumers ' private financial data. Unauthorized disclosure of my information also raises concerns under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which regulates the accuracy and privacy of consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times to remove a fraudulent hard inquiry from my credit report that was made on XX/XX/2018 by XXXX, i have provided a PDF from XXXX credit card services stating this hard inquiry needs to be removed from my Equifax credit file
Product: Debt collection

I found out on XX/XX/XXXX about information sent to collections through XXXX XXXX. I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from National Recovery Agency ( collections agency ) prior to placing on my credit report. I never received a letter giving me the opportunity to validate the debt. 

I have contacted XXXX XXXX in XXXX of XXXX regarding the charges that were charged to me because the insurance companies XXXX XXXX and XXXX have paid the allowed amount of some of the charges and the other charges for the medicine they never billed the insurance company. I have called several times for months and they said someone from the billing department would contact me. 

Please investigate XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.
Product: Mortgage

Bank of America continue to report negative items on my credit reports to the major credit bureaus, even after I asked them to discontinue this practice, because I am disputing these items. I even mailed certified return receipts stating " this account is being disputed '' and this company still did not ask these credit bureaus to place this label on my accounts, and they continued to report negative items. After XXXX days and then XXXX days expired, this company is violating the FCRA and the FDCPA by not doing as I requested. Please contact this company for me, and if you will, file a lawsuit for me against them. Thank you! XXXX
Product: Checking or savings account

I recently opened a new checking account with a welcome bonus offer last year. I have successfully met all the requirements to receive the bonus, and the expected timeline for the bonus to be credited has long passed. However, I have yet to receive it. 

I have called US Bank multiple times regarding this issue, but each time, the representative placed me on hold for an extended period while they were " researching it. '' Unfortunately, the call either got disconnected or was hung up on while I was still waiting, and I have not received a resolution. 

Could you please look into this matter and provide me with an update on when I can expect to receive the welcome bonus? I would appreciate a prompt resolution, as this has already taken much longer than anticipated.
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. 

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

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX