23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed I had a charge on my Wells Fargo credit card for {$780.00} from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' that was charged on XX/XX/XXXX and since I did not use my card at all while I was in XXXX I go ahead and submit a claim online ( this was on XX/XX/XXXX ). I hear nothing from them within a week so I call them and the person I talked to tells me that they will ask the merchant for a receipt and if they don't reply within a month I automatically win the dispute ... .a month passes and nothing still, so I call again and this time they tell me they have to forward the matter to fraud team..a week later I get a letter telling me " they determined there was no fraud because the card was in my possession. '' and so I call again and same exact outcome, they open a new case forward it to their fraud team and and they send a second letter with the exact same answer. Another thing to point out is that when the charge was made on XX/XX/XXXX, Wells fargo did Not flag or stop the purchase even though it was such a big amount and it was done in another country.
Product: Debt collection

Good day. I sent XXXX XXXX XXXX a debt validation letter requesting validation of the debt, and give them notice that the debt was not mind. They failed to respond back to my three requests for validation. NOW XXXX is reporting this on my credit files without giving me any notice of the alleged debt. I received 8 phone calls this week from XXXX, threating me of taking legal action.
Product: Checking or savings account

I reached out to the company and told them that it wasn't me someone was using my infomation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3100.00} XX/XX/XXXX XXXX XXXXXXXX {$250000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$85000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$70.00} XX/XX/XXXX
Product: Checking or savings account

I have had an XXXX checking account since XXXX. Last year XXXX informed me I will be transferred to Citizens bank in XX/XX/XXXX. I closed my XXXX checking account on XX/XX/XXXX, before the transition happen in XX/XX/XXXX. However, I am not sure what happened, I still received Citizens bank 's checking account debit card, and mailed me a letter saying I have a checking account with them, although I never decide to open an account at Citizens bank. I try to contact Citizens bank customer support several times but can not reach a person to close my account. Please close any existing accounts under my name immediately in Citizens bank, and remove my profile in your bank. Thank you!
Product: Credit reporting or other personal consumer reports

I have tried several times to dispute an item on my credit report with TransUnion. This has been unsuccessful. Ive also reached out to XXXX XXXX XXXX XXXX also. I have been battling XXXX, XXXX, and XXXX throughout the years which has made it even more difficult to resolve this matter. The XXXX XXXX XXXX XXXX account on my report contains inaccurate and unverifiable information. I contacted XXXX XXXX again recently to get this information corrected. TransUnion stated they verified that the information was accurate with XXXX XXXX XXXX XXXX. XXXX XXXX confirmed that they did not receive any communication from TransUnion to verify the accounts accuracy. The account number is listed as inaccurate, the date opened is inaccurate, the high credit is inaccurate, the date of last active is inaccurate, and the date of last payment is inaccurate. TransUnion has different information being reported than XXXX. The informal XXXX has reported is also inaccurate. I have attached the dispute letter that Ive sent to TransUnion. I have also attached a copy of my drivers license and social security number for identity verification purposes. A printout from my credit report is also included. I am requesting that TransUnion delete and block this item from reappearing on my credit report as the information is inaccurate and unverifiable.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed something is incomplete and inaccurate. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer. please reinvestigate again the flowing account reporting EQUIFAX REPORT. 
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

Your agency is in violation! 
XXXX5 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.

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX 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  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Student loan

My student loan processing company -aidvantage has put the debt of some of my student loans into other student loans that have a higher interest rate. This dropped my credit score, as it appeared that I took out additional debt on those loans, and I was charged interest at the higher interest rate. This has been going on since late XXXX and it is now XXXX. Many phone calls and emails have been filed on my end, but the company is doing nothing except charging me at the higher interest rate.
Product: Credit reporting or other personal consumer reports

Experian won't cancel a subscription I was unaware I was signed up for charging me XXXX dollars a month I can't even look at my report cause it wants me to update my billing I never signed up for any monitoring services o thought it was free and I keep trying to add my fraud alert and I can't get it fixed by company
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX Bank - {$9200.00} - Date Opened - XXXX XXXX, XXXX  XXXX XXXX XXXX - {$4000.00} - Date Opened - XXXX. XXXX, XXXX  XXXX Bank XXXX - {$800.00} - Date Opened - XXXX XXXX, XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Student loan

******All the errors and fees started when account was with XXXX XXXX Apparently, my account very recently has been moved to MOHELA***** I have been on an automatic payment plan with my student loans since XXXX. It was XXXX XXXX at the time and they called me and advised that if I didn't do automatic payments, then my loan would go into collection. I did set that up. I have had never missed a payment and the automatic payments even continued all through the pandemic when there was supposed to be a freeze. Then in XXXX, I started getting late payments on my credit report and I tried to dispute it because how can I be late if I am set up on automatic payments. I am still paying my loan via automatic payments, and I believe they have increased what I should pay without my knowledge. The interest is accruing on " past due '' payments but again how can I be late if - 1. I have automatic payments and 2. you increased a payment without telling me? 
These loans were most recently with XXXX when all this started at the end of XXXX. So it has impacted my XXXX XXXX showing that I have late or missed payments every month, but I am clearly paying them via the AUTOMATIC payments. I feel like I am getting bamboozled by XXXX XXXX XXXX and at this point I am very negatively impacted on my XXXX XXXX. I will continue the automatic payments as I do have to repay this loan, but how is it ok to penalize me when I am paying. 
So I have been fine all these years with paying my student loan until the middle of XXXX and now I am not paying my loan... .seems a little odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX professed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient as it is currently reported. Please DISLODGE from reporting right away! 

XXXX XXXX XXXX alleged on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting immediately! 

XXXX XXXX XXXX stated on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and responsibility achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting immediately! 

XXXX questionable on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting at once! 

XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant as it is currently reported. Please REMOVE from reporting immediately!
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year>2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$95.00}
Product: Mortgage

Freedom Mortgage is engaging in discriminatory and predatory practices throughout this process. They are denying our request for an FHA assumption loan based solely on a distance of XXXX miles and the size of my current home. The underwriter at Freedom Mortgage is insisting that we sell our existing home in order to secure approval for the FHA assumption loan. Given the health concerns of my wife and daughter, Freedom Mortgage has acknowledged in writing that we intend to make the assumption property our primary residence, as required by FHA guidelines. It is unjust for Freedom Mortgage to compel us to sell my home based on a mere XXXX distance and the size discrepancy between properties. We possess the necessary credit score, financial stability, and income to meet all requirements for the assumption loan. As a XXXX veteran of the XXXX XXXX, I find this treatment particularly disheartening. 

We have dedicated significant time and resources to this process. It is unfair for the underwriter to presume that we intend to utilize this property as an investment, given our understanding of FHA regulations regarding assumption loans. The underwriter 's decision to deny our loan appears to be based solely on the trivial factors of a XXXX distance, the dimensions of our home, and our XXXX background.
Product: Checking or savings account

Bank of America claim they don't have that information to give me even though I showed them ID my corporation information my certificate my corporation and everything they needed but they did not steal provided me with the information and denied my request for conversation even though they have and this has been going on for the last year but I've had account issues for the last XXXX years
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. This is not my account -XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

Hello- there have been tremendous errors in my credit report and they are greatly affecting my interest rates. I have reached out to the credit bureaus but none of them are properly responding. 

Upon reviewing my annual credit report, I see instances of some late payments reported, but in reality, I made on-time payments. These consumer reporting agencies have a crucial role to play and they must conduct a thorough investigation and get these sorted right away. 

I made timely payments for all these accounts : XXXX. XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) I would like to have a thorough investigation of the discrepancies and ask you to provide evidence of these late payments. If you can not furnish, please convert all these to " Paid On Time '' to reflect their true status. 

Please note that the information is very inconsistent among all the 3 reporting bureaus. Please take immediate action and update the reports with the next 1 week as I have been requesting to correct this information from the past 2 months and there was no proper response.