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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had my automobile repaired @ a collision shop who agreed to provide me a free rental car from a car rental agency, next door, XXXX  XXXX. 
I was asked and did provide Enterprise my Debit Card, SOLELY to pay for any potential damage to the rented vehicle! The car was returned without damage, the collision shop paid the daily rental fee, now Enterprise, without my permission used my Debit Card and is harrasing, threatening me, and has put me into collection for an additional {$170.00}, I never agreed in writing or orally to pay!
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. 

AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : XXXX 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 or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquiries that I did not recognize.
Product: Credit reporting or other personal consumer reports

This probably happened about two years ago, ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.
Product: Bank account or service

I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was run by the following companies without my knowledge : XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XX/XX/19 Onemain XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX XX/XX/19
Product: Bank account or service

I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Equifax, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I had my account illegally closed without notice in XXXX, I have emailed in excess of 600 times not hyperbole, XXXX XXXX in agreement with the OCC stated they would send me my account balance and now there are refusing to provide tracking information or mail a check after they stated they would in effect lying to the OCC to close an investagation in there favor. I will attach said email
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX.
Product: Checking or savings account

Since XX/XX/2021 WellsFargo Bank has charged my checking account a $ XXXX monthly service fee. However, each month, I have met one of the three account requirements to avoid this charge. I noticed the money being pulled out this month and thought that was odd since. One of the requirements is that I have a combined balance in linked accounts of {$7500.00}, and each month that WellsFargo has charged the $ XXXX monthly service fee, I have had the required amount or greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. 

XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX, BB & T and SunTrust announced that they would be merging ( see attachment XXXX ). Around XXXX of XXXX  Truist effected that merger by combining its BB & T website and Suntrust website into a single Truist website. Almost immediately, Truist customers had difficulties logging into their accounts ( see attachments 2 and 3 ). 

That's where I come in. I don't use my Truist credit card much anymore, so I was unaware that an old subscription ( some Mac-cleaning software ) charged my credit card for a yearly subscription. Because of the technological problems, I could not log in to my account and was unaware of the charge. I received no emails to any active email, and no letters. I did receive a call from BB & T, but the line immediately went dead after answering it. I called Truist to investigate, but was placed on hold for hours and was repeatedly hung up on. See attachment 4 for proof of the one ( of many ) times I called, only to be out on hold for hours. I was diligent in trying to resolve the issue, but Truist 's malfunctioning software and poor customer service made checking my statements impossible. 

Fast forward to XX/XX/XXXX. I receive notice from a credit reporting agency that my credit score has dropped roughly 70 points due to a payment that is 30 days overdue. I again attempted to contact Truist, again to no avail. After several hours with more tech-savvy friends, I was able to access my account ( via app -- the website still would not let me in ). I paid off the account, and contacted Truist to see if they would correct the issue with the credit reporting agency. After over 3 hours on hold, and several dropped calls, I was informed that they would not. 

The harm to my credit score has caused me injury in fact. I plan to buy a home this year, and Truist 's negligence may be the proximate cause of me being denied for a mortgage or paying a higher interest rate. I plan to pursue this matter in the courts once damages accrue, assuming that Truist does not remedy it. 

I was diligent in contacting Truist, but was unable to perform the simplest of tasks because of their oversights in the merger. My spotless history of payments, over 8+ years, is now ruined. I hope potential customers read this and know to avoid Truist until they ( 1 ) fix their software and ( 2 ) remedy the harms to credit to loyal customers like myself.
Product: Debt collection

Carter-young states that I owe XXXX to XXXX XXXX XXXX XXXX When I asked for validation of the debt they sent me paper statement for XXXX XXXX account. They highlighted my " typed '' name signature to the bottom of the page. They put this on my credit report and is ruining my credit report and score. I want this company to remove this derogatory information off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection
Product: Credit reporting, credit repair services, or other personal consumer reports

To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights
Product: Debt collection

Dear credit bureaus and consumer reporting agencies I did open this account ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX is reporting Payment History as XXXX late payments Last payment XX/XX/XXXX Current Payment Status In Collections/Charge XXXX is reporting multiple miss payments in last 3 years Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Due to inconsistency and accurate reporting on a federally consumers profile this fraudulent account must be removed 15 USC 1681b & 15 USC 1681 c-2 Personal note I have been disputing this account for over year. This fraudulent reporting is holding my school plans and my profession career and ultimately my livelihood to be provide and protect my family. I have made my 3rd identity theft with the FTC ( federal trade commission ) I ask humbly to all consumer reporting agencies that receive my now 5th complaint may you by law remove this fraudulent account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these from my credit report
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX OF XXXX XXXX Balance Owed : {$330.00} XXXX FIN XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XX/XX/year> AAFES XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

This complaint serves as a follow up request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Product: Student loan

Good morning, UAS is the account holder for my XXXX Perkins loans. The total of the original loan is {$2100.00}. The total balance now is {$2300.00}, and the amount due is {$410.00}. 
I contacted them to try and extend my forbearance and was told that I would have to make a {$300.00} payment before I could apply for any other benefits. All of my federal student loans except these are on an Administrative Forbearance because I have filed a Borrower 's Defense application. This is because XXXX lost in a lawsuit with the FTC for deceptive marketing practices. I was a student that received a check because of it. I informed UAS about my status and on top of that I can't afford those payments. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 XXXX XXXX XXXX accounts are still showing on my equifax credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. Equifax has yet to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy chapter XXXX that was discharged onXX/XX/XXXX. I checked my credit report and all was fine except NCB Management a debt collector for 12 XXXX XXXX XXXX XXXX. Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with XXXX  and XXXX  so far I haven't heard back from them, however I decided to call NCB again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/XXXX. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. NCB Management Services XXXX XXXX XXXX XXXX  PA XXXX their phone number is XXXX The account number is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Student loan

I was contacted by American Education Services. They say I cosigned a loan but they cant give me information because my birthdate doesnt match their records and i would need to send proof of my birthdate. How does a cosigner get approved with an incorrect birthdate. I have never been contacted till now. The applicant said she has received no statements in over a year at the time {$700.00} was paid and the statement said XXXX balance. Now they want to put me as cosigner on the hook for $ XXXX they claimed is owed after sending the applicant a statement with zero balance. 
If there was a $ XXXX balance why wasnt I or the applicant contacted for payment. They asked me to send a copy of official proof of my birthdate before they will release information to me as cosigner. When the credit check was run for cosigner that should have been a red flag that the birthdates didnt match and denied.
Product: Credit reporting or other personal consumer reports

Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my credit score tremendously. I finally called XXXX XXXX  they acknowledged mistake and sent letters out to all XXXX Bureaus XX/XX/2024 to have removed. XXXX and Transunion took it off but dropped my credit score almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my credit score was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX XXXX  and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!