23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!
Product: Credit reporting

I sought relief from a State of Ohio tax lien against myself from the Ohio XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio XXXX after conducting a investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a XXXX balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation to provide the credit reporting agencies to remove the public records from my consumer reports. On XXXX/XXXX/15 the Ohio XXXX sent on my behalf a letter to Equifax requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Equifax reported the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute with Equifax to again provide documentation asking for this lien to be voided and expunging from report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be reporting correctly. I am now seeking the help of the CFBP on this matter.
Product: Credit reporting or other personal consumer reports

Would like to inform that in accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Inquiry date XX/XX/XXXX As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on TransUnion bureau must be '' Deleted '' and removed from my credit report. Sincerely; thanks I appreciate.

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX
Product: Vehicle loan or lease

I am a victim of identity theft I have forwarded my identity theft report in regards of the unauthorized loans and inquiries but Trans Union have yet to help in this situation.
Product: Debt collection

I noticed today on XX/XX/21 that I had a negative mark on my credit report from a collection agency called GLA Collection Company. One, I have never received anything in the mail form this company validating that this is a debt that belongs to me. Two, I have never received any calls from this company before they decided to place this on my credit. 
The original owner of this debt is XXXX XXXX XXXX and I have tried to call them multiple times to let them know that this fee doesn't belong to me. Before I left there property I spoke with the manager and was informed that there were many roommates in our apartment and I wasn't going to have to pay this. 
Regardless, this derogatory mark was placed on my credit report on XX/XX/21 and I consider it threatening and extreme harassment of my emotional and financial well being to do this without even a single attempt at contact written or otherwise. If this is not closed and removed from my credit report, because I was told I would not have to pay it, I will take legal action.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR LETTER TO EQUIFAX IN REGARD TO INACCURATE LATE PAYMENT WITH XXXX
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. Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer 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 any consumer if the person knows or has reasonable cause to believe that the information is inaccura
te.
Product: Debt collection

Resurgent Capital Services is mail me a collect on an old debt that date end XX/XX/2010 violate statute of limitations debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX balance XXXX Have no accounts with company XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX balance XXXX Have no accounts with company XXXX XXXX XXXX XX/XX/XXXX balance XXXX Fraud Have no accounts with company XXXX XXXX XXXX XX/XX/XXXX balance XXXX Fraud Have no accounts with company XXXX XXXX XXXX XXXX  Account denied no ownership XXXXXXXX XXXX XXXXXXXX XXXX XXXX  credit card Fraud activity no responsible XXXX XXXX XXXX XXXX No ownership XXXXXXXX XXXX XXXX no ownership Fraud
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 609. After reviewing my recent credit report, I have identified the following errors that requires correction : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX  Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy.
Product: Credit reporting

I am an XXXX woman and i feel unfairly treated by these credit reporting agencies, particularly this company Trans Union. I previously called my credit card XXXX and asked for a previously fraudulent account be removed form my credit reports as my card was stolen and used fro many months without my consent and a new one was given to me. I asked transunion to adhere to the law and remove this inaccurately reported account which has affected me greatly and they refuse to. This information in the account # XXXX is incorrect and unverifiable. I am unable to lease a car for myself and my son and this company is the only XXXX refusing to remove the inaccurate account and update it to never late. This was not my fault, how and why is an XXXX woman being punished because of other terrible people who took advantage of me. XXXX is well aware of this and would never have verified this information. It is wrong. Please remove the account and its false details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX  Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -Capital XXXX Partial Acct # XXXX XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I am writing to express my profound dissatisfaction with the recent experience I had at the Bank of America bank branch located at XXXX XXXX XXXX XXXX. On XX/XX/23, I visited the bank to cash my paycheck from my employer, XXXX XXXX XXXX XXXX XXXX To my dismay, I was subjected to a highly disappointing and unprofessional encounter with the bank tellers. 

My paycheck, which was issued by XXXX XXXX, was refused for cashing, and I was informed that the bank would only honor it if I opened an account. This requirement took me by surprise and left me feeling marginalized and racially profiled. I strongly believe that the amount of my paycheck should not dictate how I am treated as a customer. 

This incident not only caused significant inconvenience but also made me a day late in paying my bills, which I find unacceptable. Such practices not only tarnish the bank 's reputation but also result in unnecessary stress and financial difficulties for customers like me. 

I request that you investigate this matter thoroughly and take appropriate action against the tellers involved in this incident. Discriminatory practices have no place in any reputable institution, and it is crucial that steps are taken to prevent such incidents from recurring. 

Furthermore, I would appreciate an official response the bank acknowledging this complaint and outlining the steps they plan to take to ensure a more inclusive and fair approach to serving the community. 

Instead of honoring the check, I have to wait 7 days for my bank to verify the XXXX party check placing me at risk of losing my insurance, and delaying other bills that could put my livelihood at risk.
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY REVIEWING MY CREDIT REPORT AND NOTICED THAT THERE WERE FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZED .UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) ,15 U.S.C & 1981, I HAVE THE RIGHT TO DISPUTE INACCURATE, FRAUDULENT, OR UNVERIFIABKE INFORMATION ON MY CREDIT REPORT XXXX REQUEST THAT THIS ACCOUNT BE REMOVED FROM CREDIT REPORT 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: Checking or savings account

After being loyal customers of Wells Fargo for over 30 years, on XX/XX/year> we received two letters from Wells Fargo informing my wife and I that our three accounts with them ( Checking, Savings and Premier Checking ) were being closed effective XX/XX/XXXX, XXXX letters said that Wells Fargo 's decision was final.

We were beyond shocked. We have never bounced a check and have nearly perfect FICO scores. Over the years we have had millions of dollars move through our accounts from paychecks, mortgages, etc. Never have we ever had one problem. 

We immediately called the number on the letter which was signed " XXXX XXXX XXXX '' : XXXX and received absolutely no reason or basis for the account closures from the agent answering the phone. We then asked to speak to a supervisor who parroted the same thing as the initial agent - " Wells Fargo reserves the right to terminate any account at any time- supposedly this was in documents we signed with Wells Fargo- for any reason without explanation ( interesting since our our original accounts were with a bank Wells Fargo purchased, so we never signed any documents with them ). The Wells Fargo agents said just like we could go into a Wells Fargo branch and close our accounts without any reason, they also could close our accounts without any reason. 

The letter says that Wells Fargo performs ongoing reviews of all accounts to manage its risks. As part of that our accounts were deemed suitable to close. Two of our children also had their accounts closed because I was listed on those accounts when they were children ( both are since grown and living on their own ).

It seems incredible to us that they can unilaterally and unequivocally demolish us with this action. We have our Social Security checks direct deposited and XXXX XXXX payments associated with those accounts. Worst yet, my wife is on a XXXX XXXX  list and needs highly expensive medications to manage her XXXX XXXX disease.The premiums for those drugs comes out of our Wells Fargo account The XXXX  and XXXX  this has caused us is incalculable. We spent the day scrambling to create a XXXX  XXXX XXXX account and reach out to all our direct depositors/auto payees to change our banking information. 

It is hard to believe that a company which constantly thanked us for our loyalty and being such good customers finds themselves dumped. We both feel violated with no recourse, thus our reaching out to you. At the very least we expected an explanation, but were offered nothing. Wells Fargo promised to have a " manager '' call us last evening or this morning, but thus far, as of XXXX XXXX  XXXX XXXX, no such call has ever materialized. 

Hopefully you can help us understand what happened.
Product: Debt collection

on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. 

These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . 

I found this article : https : //www.consumerfinance.govXXXX  My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. 

They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer
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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a 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

I have checked my credit report in that report I've found one loan of rs XXXX from XXXX  XXXX  by date XXXX account no XXXX but i have not taken any loan from the above said bank but it was appearing on my credit report as default and my score has been gone down due to this loan every XXXX was red in colour please remove that account so that my score will be in correct position thank you sir
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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.

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 1681 s-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. 


XXXXXXXX XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Checking or savings account

XXXX XXXX XXXX XXXX  XXXX campus that I tend to sent me a stipend And I no longer have the phone which my account is linked to. I called cash app over 5 times and talk to with people and also got emails that I have saved from the manager stating that they will not give me. My funds even though they access my account I gave them all the information they needed to access my older account. I still have my card. Which is locked and I? Can't get into my account to get my school money. And they are citing that they are not gon na give me my funds. They told me to start a new account and to put a card on there so that can transfer it over which I dead and they are still citing there's. Nothing that they can do so I can't even do my school work because I need to buy laptop. With the money that my school gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was not late for the month. I recieved a alert from XXXX. When i called nationstar they stated it was a mistake but never fixed it
Product: Credit reporting or other personal consumer reports

Transunion and XXXX continue to report the account XXXX incorrectly. The information reports several different ways. This is impossible for XXXX account. This means this account has not been properly verified as accurate. 


Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Status : Open Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

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  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 persons knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I made a payment via Nelnet.com 's online portal and it has not been posted to my account for more than 2 weeks although they already removed the money from my account. Breakdown of dates included below : XX/XX/XXXX - payment made via Nelnet.com online portal XX/XX/XXXX - payment removed from my bank account, still showing has pending online XX/XX/XXXX - payment no longer showing as pending AND not posted to account. 
XX/XX/XXXX - told by Nelnet employee that they can see my payment and that it could take an " unknown amount of time '' to post to my account XXXX - Payment still not posted