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

According to 15 U.S.C. 6801-6809 the law clearly states " requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. XXXX, XXXX XXXX. XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit from multiple lenders with a XXXX score for me and XXXX score for my husband- even bad credit lenders- Your Experian credit score : XXXX Date : XX/XX/2020 Scores range from a low of 300 to a high of 850. 

Key factors that adversely affected your credit score : Serious delinquency Ratio of balance to limit on bank revolving or other revolving accounts is too high Too many inquiries last 12 months Length of time accounts have been established Frankly we have reviewed our report and found none of this. The information they are using is either incorrect, from another using Experian name or just not current. This has cost us severe financial impact! The loan was for debt consolidation. Hence misrepresentation- frankly the histry shows only recently were my accounts behind due to medical and family personal impacts.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant,

Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! 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 Accounts 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
Product: Checking or savings account

On  XXXX   XXXX  I was online checking my account, when I noticed a check made out to cash for {$460.00}. it posted on the  XXXX  of  XXXX   2017 . I did not write that check! Frantically I called the number on the back of my atm card and spoke to someone telling her this was fraud! Then she transfers me to the fraud department. And the lady asks me was it a while ago since they took your checks? I said I did n't even notice they were gone, why I asked because the date on the first check was  XXXX / XXXX / 17  it 's fraud get it they made up the date! Still more explaining and then at the end of out conversation she informs me that I 'll have to go into my branch that they could n't help me! Well I work full time, when was I going to get in there? The lady I spoke with did n't even flag my account! Reporting fraud! Cause on  XXXX   XXXX  2017  another check still made out to cash this time for {$600.00}. posts to my account! I am mortified and as soon as I saw that I flew to my local branch. This time I spoke to  XXXX , there on loan for the day replacing the branch manager. I told him my story he then got the fraud department on the phone long story shortened he tells me that the {$600.00}. that cleared mind you with not enough funds to cover that check on the  XXXX  the same day I was in there, asking  HOW? d oes this happen to me twice? I called the bank on the  XXXX  and explained that I did not write that check, fraud has been committed on me????? I received  XXXX  bills from my bank stating that I owed them the overdraft fees on the $  XXXX  and  then we closed the account but they saw there way clear to accep-t my paycheck on direct deposit so they could get their fees, leaving me with no money.  XXXX  swore that on the new account I just opened that {$600.00}. I should see reversed and back to my account ... It is now  XXXX   XXXX  and n ot one re d cent have I seen! When I left the bank that  day I w ent straight over to  XXXX  Police department and filled out a complaint, which I took directly back to the bank and gave  XXXX  the case # that the police had given me, he said good the fraud department will get right on it ... ... Nope! So I go back in to my branch and spoke with  XXXX   XXXX  the branch manger, explained things to him and he makes a few phone calls to find out why there was still {$78.00}. in the closed account? Turns out that was what was left of my paycheck after all was said and done. That is just some scandelous banking if you ask me. I ask Him if checks had been ordered on the new account he told me I woul d Proboblay see them this Monday.Nope again! And we all know how direct deposit works right, my company needs a check! So I do n't know who will need my paycheck worse than me on Friday, but still no . Please hel p me if this ai n't the run around then I do n't know what is! By the way  XXXX  said your gon na  see a charge for the checks on your statement Call me when you do and I 'll take that off. That is nice HUH?
Product: Payday loan, title loan, or personal loan

Date I pay money for recharge XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Total I pay XXXX to recharge After recharge they block my XXXX numbe. I try to contact with other number but he didn't talk to me and didn't give my recharge money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will see and I can't be verbatim, third-party information that my credit reporting agency Equifax wanted XXXX Why would they be looking for any information about me. 
I may be wrong and please correct me, but they're there only to take the information from my credit cards or creditors and disputes and other information. Why would a credit reporting agency be looking for other information? That bothers me when somebody's using a third party. 
As we know on the internet all problems with consumers is third party information. Why did they get all that information and how did they get it and why was it from XXXX? And something about check depositing or something like that I don't know I'd like to explain more and I couldn't send anything through to Equifax through their site and they are the worst credit reporting agency around. 
I had my identity stolen last year on XXXX as veteran they never frauded or frozed my account I couldn't get back in cuz I lost my password manager and the gentleman gave me my screen name! I said you don't do that what if I was the other guy who's got my social lol well it's on the letter I'm sending you, no sir or ma'am it was not. 

Anyway not sure if this is a complaint and or a question please get back to me cuz I've never seen that on any credit report before.
Product: Debt collection

A ) On XX/XX/year>, the collection company made a collection under my Experian/TransUnion consumer credit report with the amount due of {$1400.00}. 
B ) On XX/XX/year>, I submitted a dispute with the report number XXXX to XXXX XXXX Credit report and on XXXX XXXX the collection company certified the information to XXXX XXXX requirement of the FCRA XXXX However, the report did not disclose any information in order I could valid/verified the alleged debt. 
C ) On XX/XX/year>, I wrote a letter to the collection company requesting a Debt Validation/Verification request . The letter was sent through USPS Certified mail and until todays date the letter has not been answered by the collection company.
Product: Debt collection

Have told portfolio more than 5 times to stop calling me and only contact me via postal mail. They keep calling from different ph # s and call almost daily, sometimes more than once per day. Ph # s using : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, including 8 additional ph # s. My phone only goes back to XX/XX/XXXX but since thatdate, they called : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX, XXXX XXXX, XXXX. I spoke to them onXX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX  & XXXX  stating to stop calling me as this is harrassment and again requested all communication to be through postal mail only.
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report as quickly as possible. I did not open or approve these accounts, and I am unaware of where they came from. Under USC 1681g, I am formally requesting their removal within XXXX days. The necessary documents are provided for your consideration.
Product: Debt collection

I had an XXXX landline phone account which I had closed around XXXX XXXX. In XXXX XXXX, I get a notification ( in the form of a bill ) from XXXX that the same phone account has been reinstated, without my prior knowledge. I file a complaint with XXXX by calling their customer care representative. I am told that I wo n't owe any amount and that it will be taken care of. 

However, a few months later I got another inflated bill ( without any explanation of the charges on the bill ). I called the XXXX customer care again and they said the same thing that they will take care of the charge. 

In XXXX XXXX, I receive a letter from XXXX collection agency alleging that I owe XXXX for the above mentioned account. When I called the XXXX customer care representative, he mentioned that XXXX can not do anything at this point as the debt has been sold to the collection agency. Hence, I disputed the collection claim in writing with the collection agency saying that I do not owe this amount and I will need detailed documentation validating this claim. I do not hear from the collection agency again. 

In XXXX XXXX, I get a phone call from another collection agency named XXXX mentioning that I owe the alleged debt amount and I should pay it right away on phone or else it will be sent to the credit bureaus. I told them that I am disputing this alleged debt amount and that I should be sent detailed documentation validating the debt amount. They called me again threatening the same thing and I reiterated to send documentation for this debt. There was no further communication from them, either in writing or on phone. 

Now in XXXX XXXX, I see that there is a delinquent entry in my credit report from another collection agency called IC System. I have never heard of IC System before and have never received any communication from them. 

My credit score has suffered because of this entry and I fear that I may not be entitled to a loan or at a better interest rate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding late payment notations on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> These entries may result from creditor errors or noncompliance with federal laws, including the Truth in Lending Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( FCRA ). Im requesting a thorough investigation to verify that creditors provided proper billing statements and notices as required by law. If compliance can not be substantiated, these entries must be removed from my credit report. 
The presence of these late payments has severely impacted my credit standing. I urge the CFPB to act swiftly to investigate this matter and ensure my rights as a consumer are upheld. Please confirm receipt of this complaint and provide a resolution within XXXX days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I had called XXXX to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/2024, at XXXX XXXX, I sent a certified letter to XXXX asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX  day time frame that I had sent documentation. ( sent paperwork XX/XX/2024 at XXXX XXXX ) XX/XX/2024, XXXX, excuse me if I spelled it wrong, XXXX XXXX, called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/2024, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. XXXX is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. Ally has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). Ally has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but XXXX and XXXX have reported on the account in that time frame.
Product: Credit reporting

I have an account on my credit report that is not mine XXXX XXXX XXXX
Product: Credit card

I have a wells Fargo Charge card that has 18 months interest free. I typically make a payment every XXXX weeks on my payday. I am still getting monthly due date notification emails with late fee warnings on the off week between payments and was 1 time charged a XXXX dollar late fee when I made a payment approximately 2 weeks prior
Product: Checking or savings account

My bank account at Regions was linked to XXXX XXXX  and someone hacked my XXXX XXXX took out over XXXX in transactions and sent it to them selves. I hardly used XXXX XXXX or got on so didnt notice my bank didnt catch it, I sent them pictures showing who the money was and to and amounts if you track the names youll see its a scam. Regions told me they cant do anything and Im left with nothing. Regions denied my claim twice and will not help me in any way Ive banked with them for over 15 years Ive always kept XXXX or more in my account there and now that someone drained it they will not help me get it back or just help me. Ive never filed fraud before Ive never caused an issue with them or any bank and now my kids are hungry because. My account was drained. XXXX XXXX  told me its on regions regions told me its on XXXX XXXX please help me.. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report show cc to XXXX/XXXX ... I complained to them and they said it is my account and I should call XXXX MYSELF XXXX..called them on XX/XX/XXXX and they do not have an account in my name and would send a letter to Equifax to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX.. again I always pay over the amount do on all my cards ... .this is not mine..Equifax confirmation XXXX ... XXXX said it would be corrected within 30 days..well 30 days is up and it is still showing up on Equifax report
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 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I applied for the new REPAYE/SAVE plan for my Federal Student Loans. 

According to my calculations and those from a trusted site using their calculator, the payment amount that was given to me is not correct. I was told my new monthly amount would be {$250.00} but according to my XXXX the payment should be $ XXXX. 

I understand that there have been miscalculations so I want to get mine corrected. I will also be reaching out to Mohela.
Product: Credit card or prepaid card

I use my debit card so I do not have to reconcile checks. I transferred money to another account after seeing that there was plenty of money in the bank and the account still went negative. After I made the transfer there was over a thousand dollars on the bank. But it still went negative. I explained this to the supervisor and they still refused to refund the fee!
Product: Debt collection

I sent certified letters on XX/XX/XXXX asking for debt validations of these debts on my credit report, from XXXX, XXXX, and XXXX. They are not mine and I also asked for it to be removed from my credit report from all 3 credit bureaus. The collection company is saying the debit is valid. I have never gave permission to IXXXXC XXXX for anything, or anything associated with any other company that sold my information, nor signed my signature or used my identification. The report is showing two debts one open on XX/XX/XXXX of {$540.00} and XX/XX/XXXX XXXX XXXX I have an employment status of a daycare in the XXXX XXXX area that I've never worked at nor lived near which is also inaccurate. I stated in my letter that I would like for all validation proof of identification and signatures of original applications and no proof was sent, nor did I receive anything from the original companies. This daycare job is fraudulent and yet that has not been removed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX