23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i noticed a alleged debt of XXXX from Receivables management services that i dont owe, i sent multiple dispute letters asking for the validity of the alleged debt but never gotten the document requested nor a deletion from my credit report.my first letter was on XXXX, XXXX, and XXXX was also sent to the CRAs as well, i am requesting deletion of this inaccurate and incomplete item from my credit report within 14 days or i will turn this matter over to my attorney to sue for damages.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX  DELETE ACCOUNT XXXX : XXXX XXXX XXXXELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 

1. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX I was issued a new debit card due to fraudulent activity on my account. I paid {$25.00} for the card. XX/XX/XXXX I tried to activate my card and was told my account was closed. The person told me to get a new account with a packet from employer. Told him I didnt work for that employer & wouldnt be able to do that. He then took my credit union info and told me all of my money {$4000.00} would be transferred in 24-48 business days. Called back on XX/XX/XXXX when funds were not received- to go through the same conversation with a lady. She then input my credit union checking info again and again was told 24-48 business hours. Called back XXXX when funds werent deposited. Was told they could only issue me a check via usps to my home address. Was not happy, but said ok. This lady said 7-10 days I will receive my full refundXXXX XXXX I called to check status of my check when I havent received one. Was told there was no check to me, but could process one and it would take 4-5 weeks to receive. I asked to speak to a supervisor was put on hold for XXXX hour and XXXX minutes and hung up on. Tried calling back and the whole customer service was closed. Called XX/XX/XXXX to resolve issues had to call 6 times, waited on hold upwards of XXXX mins, sent to multiple different people, hung up on XXXX times, and have no idea where my money is. I wanted to speak to someone who could actually make sense of this and give me the money Ive been requesting since XX/XX/XXXX.
Product: Debt collection

I have requested on numerous occasions to see a detailed, itemized bill for why I owe this debt, but the company has not provided this information. They also have sent me several low settlement offers but when I call, they tell me the settlement has expired and I have to pay the full amount. They refuse to allow a settlement despite what they send me in the mail, nor will they provide details on what this debt is for. Not only do I want an itemized bill, I also want proof that the itemized bill is accurate.
Product: Mortgage

XXXX / XXXX / XXXX  I requested when I could remove my PMI off my loan that stated  XXXX / XXXX / XXXX  and they wrote back stating I could not remove until  XXXX . My loan states after 5 years and 78 % of balance then the PMI can be removed.      Wells Fargo  mislead me in a letter stating I could not remove my PMI until  XXXX / XXXX / XXXX . It should state 5 years after my loan. The date should be  XXXX / XXXX / XXXX  and if I can get my blance to 78 % of loan.      Wells Fago st atement date  XXXX / XXXX / XXXX  Loan number  XXXX  Property address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Best regards,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # 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 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 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: Debt collection

I open an Account with XXXX XXXX and used the account responsible and paid in full. However, after my account was paid in full the creditor closed my account. When they closed my account I received a notification from my credit reporting agency that my credit score had decrease due to a closed account. I do not think its fair for them to just close my account with out a valid reason. I would like my account reopened 0r I am open to suggestion. It is not fair how creditors get to add things to your credit report and make changes that affect your credit score.
Product: Credit reporting or other personal consumer reports

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX ad XXXX were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate.

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states ; " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumer 's right to privacy ''. XXXX and Transunion keep violating Privacy Act of 1974 by sharing my information. XXXX and Transunion was also notified about the fraudulent use of my name in various ways. Addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX and Transunion have fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life. Due to the inaccurate information on my credit report, XXXX and Transunion allowed XXXX XXXX XXXX XXXXXXXX to add a negative adverse item to my collection, which was also reported to identity theft since I have never had any accounts with them. 
XXXX is in violation of the Family Educational Rights and Privacy Act by sharing my personal non public personal information with third party parties which are XXXX and Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under title 15 USC 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The following financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been sharing my nonpublic personal information to a nonaffiliated third party and my credit report has been affected, 15 USC 1681 ( b ) ( c ). 15 USC 1681 ( A ) ( 2 ) Exclusions ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report which would be between the financial institutions and me the consumer.
Product: Debt collection

I have sent a letter requesting information as to the debt who owns the debt. Collection company replied with some of the information not all of the information they have not sent over an assignment of contract, showing their own this debt and they are allowed to collect on it.
Product: Checking or savings account

XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks. 

The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account. 

The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.
Product: Vehicle loan or lease

This is a complaint against PNC BANK. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX  Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX XXXX  stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

You Violated The United States Code Law 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 instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my EXPERIAN XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER CFPB COMPLIANT NO.XXXX, XXXX UPDATED ALL BUREAUS WITH A BALANCE {$43000.00} S/B {$4100.00} for account no.XXXX. they are aware of this problem as I talked with them on the phone a few days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER WORKING WITH A LAW FIRM : Unsolicited letters reopening old accounts that are paid for such as XXXX XXXX about XXXX  loan over 10 years ago including applying for credit and calling in for free report and denied by XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I reviewed my XXXX  credit file and noticed an inquiry dated XX/XX/XXXX performed by a company named XXXX. My employer uses this search company and I suspected that an employee had performed an unauthorized credit personal information search. I researched XXXX and found out it is part of the LexisNexis company and proceeded to contact them by phone. I spoke with a representative who advised me the would look into the situation and I proceeded to file an inquiry with them ( LexisNexis Consumer Number XXXX ). On XX/XX/XXXX, I received a response from LexisNexis advising me that they had completed their investigation and had been unable to locate any inquiry on XX/XX/XXXX ( Attached ). I did not immediately realize LexisNexis was citing the wrong date. Several weeks later I contacted LexisNexis to advise them of the incorrect date. The customer service representative looked up my Consumer Number and advised they would investigate the correct date. After several months, I once again contacted LexisNexis for a response. I was given the runaround but that I would receive a written response. Another several weeks went by and again I called LexisNexis and given more excuses. This time, however, they did provide a written response, dated XX/XX/XXXX, stating that in response to my inquiry they had contacted XXXX, XXXX  and XXXX  for a response and not received one from any of those companies. Neither of those companies had anything thing to do with my inquiry ( with the exception XXXX  who was merely reporting the inquiry ). Those companies did not initiate the inquiries, their own subsidiary XXXX was used by their own client for the unauthorized inquiry. 

I have also contacted my employer regarding the unauthorized inquiry but they have stated they have no record of an entry regarding a report on me on that date in their logbook. Of course the individual who did the unauthorized inquiry would likely not have entered it into the logbook, which does not speak very highly of their internal controls. 

I need LexisNexis to confirm who requested the unauthorized inquiry of my information through their subsidiary XXXX.
Product: Checking or savings account

Hello, this is in response to the below complaint which was closed. The Bank needed a W9 which was provided and received. After doing all that work, I just called them, and they are still not honoring the promo bonus. I am beyond frustrated with this company and its treatment of their customers. I hope it can be resolved since they won't do it alone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an account
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your intervention regarding significant and ongoing violations committed by XXXX, XXXX, and Equifax. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment records, erroneous account statuses, and inaccurate balances. 
* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 USC 1681, " 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. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored.

These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : XXXX. Investigate the non-compliance of XXXX, XXXX, and Equifax with the FCRA, XXXX, Privacy Act of 1974, and XXXX. 
XXXX. Ensure that all inaccurate information on my credit reports is corrected promptly. 
XXXX. Mandate that the credit reporting agencies provide written confirmation of the corrections. 
XXXX. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.
Product: Debt collection

I have an account from XXXX XXXX XXXX that is now in collections with Credence Resource Management for XXXX $ that I do not recognize. I suspect it is a result of fraud and I have already disputed the account with my credit monitoring service XXXX.