23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I walked into the branch to exchange a {$10.00} bill for a roll of quarters. The teller asked for my account information. I asked why they needed that, a manager stated that she recognized me and that we had had this issue before. And I stated that I had yet to receive a reason for why exchange legal tender into quarters required collection of my account information. She stated that it was required by the " Bank Secrecy 's Act ''. I told her that that Act was about amounts in excess of {$10000.00}. She stated that " no, that was covered by the Currency and Foreign Transactions Act which unknown to her that this act is also known as the Bank Secrecy 's Act. She then stated that it was Chase 's Policy to collect this information. When I asked for a copy of the policy, she was unable to provide it to me. When i contacted Corporate Executive Communications, the representative there referred me to the Deposit Account Agreement. I read thoroughly the DPA and there is nothing stating that I am required to provide my account information to change a {$10.00} bill for quarters. I find it personally offensive to have to provide my account information in order to conduct a simple small monetary transaction. If Chase or the government has such a policy, I would like to know the reference for this policy and the rationale for initiating such a policy. It is obvious that Chase 's bank personnel are unable to explain the rationale for what I consider an invasion of my privacy. More importantly, the personnel stated that if a non-account holder came in to request the same transaction, they would be turned away. As a publicly traded and regulated company, I am sure that there are some laws or regulation that prohibit Chase company from discriminating between account holders and non-account holders in such a way.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$XXXX}
Product: Checking or savings account

They charged me two HSA paper statement fees. When I called a branch, they said they had no power to switch me to electronic and that for refunds, I would need to go to the branch that opened it. But I am scared of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in EXPERIAN. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXX XXXX  XXXX, NC, XXXX. 
XXXX XXXX XXXX*** Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AARGON AGNCY (XX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX handles Walmart credit cards, I have the card for 3 months and I pay on due date and each month they apply a late fee on the due date. I called in and was told it 's a pre cycle late fee, I asked but I was not late and I was told just in case payment does n't clear, so I asked " you assume that your customer is writing you a bad check? '' I was told the late fee falls off after 48 -72 hours,  I believe this if it is not should be illegal to charge a late fee prior to the payment being late. Last month I had to call back to get the fee removed it did not go away without another call which is very hard to get through to someone, the average person may actually be paying this late fee without even knowing it. This needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms. '' I would like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX XXXX, XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or their update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the referenced items that need to be updated to reflect positive and/or removed from my 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 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/XXXX XXXX  XXXX XX/XX/XXXX According to 15 U.S. Code 1692j XXXX it is XXXX to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions. 

Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items. Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated. 

This is my fifth request ; I will also be sending a copy of this letter to the Federal Trade Commission ( FTC ) notifying them that I have signed receipts for letters sent to you, and you have not complied with my request. I regret that I am being forced to take such action. As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. 

Furthermore, I remind you of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts. You may also be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting EQUIFAX of the FRAUDulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and equifax hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681c- they should have blocked this information in 4 days. I have done everything equifax has asked now I'm requesting an equifax employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 

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

Subject : XXXX XXXX  XXXX Failure to Provide 1099-C Form and Violation of FCRA I am filing a complaint against XXXX XXXX XXXX regarding their failure to provide a requested Form XXXX ( Cancellation of Debt ) and their continued reporting of a charged-off account, which has been sold to XXXX XXXX XXXX. Per credit reports, it is indicated that the debt was {$1800.00} written off. 

Details of the Issue Request for XXXX Form : On XX/XX/2024 I sent a certified mail request to XXXX XXXX XXXX for a Form 1099-C, which is required if the charged-off debt was canceled or discharged. XXXX XXXX XXXX responded by sending me past card statements that included the amount owed, interest rates, fees, and charges. However, they failed to provide the requested Form 1099-C. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Accuracy of Reporting : Under the FCRA, credit bureaus are required to ensure the accuracy of the information on consumer credit reports. XXXX XXXX  XXXX failure to provide the Form 1099-C and the continued reporting of the charged-off account, even though the debt has been sold, creates inaccurate and misleading information. 

I have contacted both XXXX XXXX  XXXX and the credit bureaus, requesting that this account be removed from my credit reports, but no action has been taken. 

Harm to XXXX XXXX XXXX XXXX failure to provide the Form 1099-C has caused confusion regarding the status of the debt and my potential tax obligations. 

The continued reporting of the charged-off account has negatively impacted my credit score, despite the debt being sold to another entity. 



As per the law, since the XXXX XXXX XXXXXXXX has not responded to my request within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Resolution Requested I respectfully request the CFPB to : XXXX XXXX XXXX XXXX failure to provide the requested Form 1099-C. 

Clarify whether the cancellation of debt was reported to the IRS, and if applicable, require XXXX XXXX XXXX to issue the Form 1099-C. 

XXXX XXXX XXXX XXXX to delete the charged-off account from my credit reports, as the debt has been sold and its reporting creates inaccurate and duplicative information. 

Ensure the credit bureaus fulfill their responsibility under the FCRA to maintain accurate consumer credit reports by removing the account. 

I request that XXXX XXXX XXXX be deleted from my credit report immediately as the creditor has failed to verify the accuracy of the reported information within the statutory period. 

Supporting Information I am willing to provide copies of : My certified mail request to XXXX XXXX XXXX. 

Copy of my request 1099-C to XXXX XXXX  XXXX XXXX 



Thank you for addressing this matter and ensuring compliance with consumer protection laws.
Product: Student loan

My student loan increases day by day because Department of Education institution are adding {$5.00} dollars each day. I had to ask to the Treasury Department that they deduct from my Social Security retirement benefit check as survivor of my deceased husband a XXXX or XXXX quote because I could not afford the amount that XXXX XXXX first and NAVIENT later was requiring from me.
Product: Debt collection

This company is sending text messages to my phone and making phone calls. I would like to communicate a cease and desist to not call email or text message me anymore. They obtained my information illegally and didn't have any rights to my information due to i didn't take any loans or credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) 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. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$590.00} Date Opened XX/XX/XXXX XXXX  Balance {$13000.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  XXXX  and equifax about this account nothing has been done the information across all three companies is different. I have asked for investigation and re-investigation and they are not investigating the matter
Product: Credit reporting or other personal consumer reports

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

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Credit card or prepaid card

I had set up an online bill pay through my American Express Serve account on Wed, XX/XX/2018 at XXXX XXXX  to pay XXXX XXXX XXXX in the amount of {$650.00}. The email i receive stated the payment should arrive in 24 business days. ( Transaction ID : XXXX ) On Wed, XX/XX/2018 at XXXX XXXX, I called customer service and requested to put a stop payment of the bill pay and have the fund return to my account. I was informed that the transaction was already processed and there will an investigation. I am not sure why the transaction was approved and the funds were transferred so quickly, but I have yet to receive the {$650.00} back into my account and it is very important that i receive those funds back as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 
XXXX   XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans through XXXX. I was a young mom of 4, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called XXXX several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a 755+.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with the collection agency XXXX XXXX XXXX XXXX XXXX - they did not provide me with the original contract as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report have not be verified or removed even after dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX  please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.
Product: Student loan

We had decided to go to school to better myself for our family and fell into a terrible trap. My loans were originally through XXXX and then transferred to Navient. We have been trying to set up a payment plan in order to begin paying on our loans for a really long time now. Every time that we contact Navient they do not listen to what we have to say. We are constantly redirected away from paying for our loans. They tell us that there are forms in which we need to fill out to help serve us, yet nothing ever comes of it. We have been laughed at and told there is nothing they can do for us, unless we fill out more forms they seem to never receive??? We are just looking to pay an affordable payment, that does not take my entire income as we were promised when we began the endless school adventure. Please Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires are reporting on my credit report from XXXX, Transunion, XXXX, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I previously submitted a complaint to this agency. I was answered by the bank, however my original complaint was not addressed nor was the correct information submitted to me by the respondent. I'm submitting a new complaint to once again address the overly obsessive price of lender placed insurance from Bank of America on my loan modification. 
A representative by the Name of XXXX XXXX answered my original complaint with information that was from XXXX that had nothing to do with my XXXX loan modification for which my complaint was concerning. Im still seeking the bank to honor my XXXX loan modification and its purpose to make my home affordable. Mainly to honor its RESPA and Truth in Lending along with the GOOD Faith. Im just asking for Bank of America to be fair and honor my contract that was signed in XXXX