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

Subject : Urgent Request for Account Deletion Due to Inaccurate Reporting To Whom It May Concern, I am writing to formally request the immediate deletion of the following accounts from my credit report due to inaccurate and potentially illegal reporting practices : XXXX. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3200.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3000.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt The designation of these accounts as " charged off '' without any verifiable payment history is misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 602 ( a ) : Requires that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

- Section 607 ( b ) : Mandates that if a consumer reporting agency receives a notice of dispute from a consumer, it must conduct a reasonable investigation. 
- Section 609 ( a ) ( 1 ) : Grants consumers the right to obtain all information in their file at the time of their request, including the sources of the information. 

Given the absence of payment history and the significant discrepancies in the reporting of these accounts, I urge your office to take immediate action to remove them from all reporting agencies and credit bureaus. I expect written confirmation of the deletion of these accounts within XXXX days, as stipulated by the FCRA. 

Please deliver all communication and confirmation to my email at XXXX ( mailto : XXXX ). Additionally, I can be reached by phone at XXXX. 

Please consider this request with the urgency it deserves, as it directly impacts my financial well-being. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. Experian, XXXX, and XXXX are all consumer reporting agencies. 15 USC 6801 says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition under this title XXXX XXXX XXXX  is a financial institution. 15 USC 1681 section 604 a section 2 says 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 financial institution XXXX XXXX XXXX and consumer reporting agencies Experian, XXXX, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from XXXX XXXX XXXX and Experian, XXXX, and XXXX. XXXX XXXX XXXX ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, XXXX XXXX XXXX XXXX The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option. 
15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquiry is an adverse item on my consumer report being reported without my permission, which is AGAINST the LAW. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Experian, XXXX, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

On XX/XX/XXXX I received a statement that indicated a balance of {$180.00}. I called customer service and was informed that a online purchase occurred on XX/XX/XXXX in the amount of {$40.00}. I was unaware of this charge due to the fact that I did not receive a mailed, paper statement until that day. The customer service representative stated that my account was signed up for paperless statements and was being sent to an email address I formerly used. I do not recall ever opting for paperless statements. Additionally, I do not shop at Macys that often to warrant frequent review of the account online. Consequently, the account accrued several months worth of late charges in addition to the original charge. I did not make the purchase and will not pay for said purchase and late charges. My positive credit standing that I have had for close to 30 years to is now diminished due to their billing practice. I have proceeded with a fraud claim with Macys. It remains to be seen if they will investigate, reverse all charges, and report to the credit report agencies accurately.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to chexsystems for a bounced check. I paid this amount and this is still showing up on chexsystems. This is giving me a hard time to open up any bank accounts which is messing up my life. 

XXXX XXXX XXXX has been bo help. I filed a dispute as well with chexsystems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking for Experian to remove inaccurate information on my credit report. They are reporting misleading and incorrect information. For XXXX lending account # XXXX .. they have it is a charge off account when indeed it is not. For the XXXX XXXX, Account # XXXX they have that I have 1 month terms for an account that is in collections but the oc is still holding the debt. Which is inaccurate. They have account date opened in XX/XX/XXXX but never reported the the history for XX/XX/XXXX year. Where is the rest of the information? XXXX XXXX Account # XXXX has not been verified. I have reached out to the original creditors and they arent even able to provide me the information that I want to verify my own account. I have asked that they remove the negative items or verify the information under section 611.  They have failed to verify anything. I have not received any copies of my original contract and signature. They have continuously reported inaccurate information for over 1 year now. I am asking that they verify the accounts immediately with my original contract and signature under section 609 of the FCRA law and if not they need to remove it. I am also asking that they provide a sworn affidavit stating that they followed the law verifying all accounts. Furthermore, if they do verify these accounts. I would like to know each person they spoke with, the time and date and all copies of any documentation they have to support the accounts they have continued to verify.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Ccs keeps listing info on my credit report which is inaccurate
Product: Debt collection

On XX/XX/XXXX of 2019 XXXX was debited from my checking account after services were cancelled. This was communicated as " final amount owed '' to cancel service. I paid and went to new company. I then received a bill for another amount. I disputed the {$120.00} with my bank and they deemed the amount to be correct and agreed after speaking with XXXX. On XX/XX/2019 a charge for XXXX was debited from my bank account to correct dispute and deemed resolved with XXXX and myself, XXXX XXXX. 
since XX/XX/2019, I have received this same debt on my credit, first from XXXX XXXX and then now most currently sunrise credit. This debt has been fulfilled, services were cancelled in summer or 2019 and new service was acquired with different cell provider. 
this debt continues to harm my credit and money was taken from account and paid directly to XXXX, I can not get a hold of anyone at XXXX  that knows what to do and how to resolve and have proof amount was paid out of my checking account to creditor. Amount has changed from {$120.00} to {$120.00} to now {$130.00} for " fees '' associated.
Product: Consumer Loan

XX/XX/2013 I sign this contract and payments are {$90.00} per month and I have three years with this account and gave me an interest of 13.99 and this does not lower the total cost account I look at credit report and there are XXXX debts the same company called Credit preferrred, inc like me saver that is not the low debt I already talk to them and say that everything is fine but I see how much state or payments
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on my credit reports that Capital One Auto Finance did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Capital One Auto Finance responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.
Product: Debt collection

Collection agency took my debt to court, and now my wages are going to be garnished.
Product: Student loan

I had a parent loan through XXXX. I wanted to refinance the loan to lower the interest rate. I applied through Citizens Bank and was offered a 5.25 % interest rate. Then after applying and being accepted the interest rate increased to over 6 %. They were definately bait and switch.
Product: Debt collection

XXXX has erroneously damaged my credit report, asserting that I owe them {$14.00} for a bill they claim they settled. However, the bill was never paid because my checking account information was inaccurate. Consequently, they have persistently reported late payments based on this erroneous information. 

Regrettably, XXXX has suspended operations, preventing me from accessing my account. They have refrained from providing any evidence to substantiate their claim of a bill settlement.
Product: Debt collection

date : XX/XX/2018 {$550.00} this is not my debt, i have no knowledge of this account
Product: Checking or savings account

Subject : Complaint Regarding Fees Charged by Truist Bank on Dormant Savings Account Dear CFPB, I am writing to file a formal complaint against Truist Bank regarding unfair fees charged to my dormant savings account, which resulted in overdraft fees and other inconveniences. 

I recently discovered that my savings account, which had been dormant, incurred service fees that caused the account to fall into a negative balance. To my surprise, these fees triggered overdraft charges, despite the account being a savings account and not typically subject to overdraft activities. 

What concerns me even more is that I was not notified of these overdraft fees through mail or any formal communication channel. Instead, I received a phone call from an anonymous individual claiming to represent Truist Bank, asking for my consent to transfer funds from my checking account to cover the negative balance. I denied this request due to the lack of transparency and the unusual nature of the communication. The caller stated the account was 53 days overdrawn. 

This experience raises several concerns : 1. Why were service fees applied to a dormant savings account, especially to the extent that it caused a negative balance?

2. Why were overdraft fees charged on a savings account, which should not function like a transactional account?

3. Why was I not notified through official means ( e.g., mail or email ) about the overdraft fees and negative balance?

4. Why was I contacted by an anonymous caller instead of receiving a formal notice from the bank?

This situation has caused me unnecessary stress, confusion, and financial burden. I believe Truist Banks actions are unfair, lack transparency, and may violate consumer protection laws. I respectfully request the CFPB to investigate this matter to ensure that Truist Bank complies with regulations and ceases any practices that harm consumers.

Truist deliberately charge fees beyond any balance within the savings account caused a negative balance without my consent. I had this account before the merger with BB & T and SunTrust. My accounts should have received grandfather status. 

Thank you for your time and assistance in addressing this matter. I look forward to hearing from you about the steps being taken to resolve this issue. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

This company is trying to collect {$1600.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Checking or savings account

BANK OF AMERICA OPENED AN ACCOUNT IN MY NAME I I HAVE I HAVE THE PAPERWORK THAT AFTER EVERYTHING THEY DID THREATEN ME WITH TAKING ME TO JAIL AND GOING TO JAIL AND SO FORTH THEY FINALLY SENT ME A LETTER SAYING OH OUR BAD IT WASN'T US BUT THAT IS STILL ON MY CREDIT REPORT AND I'M STILL GETTING SCREWED
Product: Money transfer, virtual currency, or money service

My company, XXXX XXXX XXXX XXXX XXXX closed on XX/XX/XXXX. The company has a trust account that we have had for 20 years. I have XXXX construction client that needed to complete construction before he could get the rest of his funds out. I informed him several times that I would be closing and he continues to say that their project will be completed in a couple of weeks and then he can get the money out so I can close this account. 

A service charge was put on this account for XXXX, XXXX. A trust account is not supposed to have service charges. The operating account that they normally go on has already been shut down. I called the bank and told them this account can't have service charges, they now tell me that this is not a trust account. They must not have marked it correctly when XXXX & XXXX sold to Truist. The bank told me they would writer off {$75.00} and I would need to deposit {$100.00} to make the trust account legal. ( I am also still under audit from the XXXX until this account is zeroed out and closed. I deposited the {$100.00} immediately. 

On XX/XX/XXXX I received an email saying a XXXX payment went out for {$5000.00}. WHAT!! I don't even know what XXXX is. I immediately emailed back to Truist Alerts that I had not sent out any payments. I contacted Truist and told them this {$5000.00} was a fraud. I was assigned a case # which is XXXX. I was then sent some forms to fill out. I emailed them back quickly. 

Truist then sent me a denial letter. I called and complained again and let them know they didn't understand what I was saying. This was not my charge, this is a trust account and I am waiting on the XXXX last vendor to cash his check so I can shut it down. 

On XX/XX/XXXX I have not heard anything back from the fraud department. All they can tell me is they received the email that I sent them. They had not submitted my claim but would do so now. I then went to the branch where I have had my business account for 20 years. XXXX XXXX, the XXXX XXXX called the XXXX dept. and they told her they would look at it and get back to me in 3 days. That wasn't done so I call XXXX XXXX and told her I had not heard from anyone. She said she would talk to some higher up managers and get back to me on Monday, XX/XX/XXXX. I did not hear from her so I called and left a message for her to call me. It is now Tuesday and I still have not heard anything from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i applied for a job at XXXX XXXX as an XXXX XXXX XXXX out of XXXX TX. On XX/XX/XXXX, i was given a verbal job offer from a hiring manager on condition of passing a XXXX screening and background check. I received an email from General Information Services asking that I provide my driver license number and social security number. A week later, I received an email from General Information Services requesting I sent a copy of my foreign passport from XXXX. I then received a form asking for my consent to run an international background check. The form asked for me to provide my XXXX National ID number. It is unclear what led GIS to believe i was in possession of a foreign passport and national ID number ( other than for discriminatory reasons ). I provided all requested documents and was told it would be investigated. I called several times to check on the status of my report, as international background checks are known to take some time. Each time I was told they had no information and were not required to provide me what they had. Eventually, on XX/XX/XXXX, I called the office of GIS and requested that I receive a copy of my report as it had taken more than 30 days and I was no longer interested in employment at XXXX because I was told I could not start if the background check was not finished. I was told a report would be sent to me and subsequently one was never sent, This is a violation of the FCRA and it is my fervent belief that I was discriminated against because of my religion and ethnic origin that I was forced to provide extra documents.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX  Account Number : XXXX Description of Inaccuracy : Equifax shows account is charged off account # XXXX XXXX & XXXX shows account XXXX is unknown and the payment counter is inaccurate with all 3 bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).