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

I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title.

The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.
Product: Credit card

I received a " notice of guide to benefits updates '' dated XX/XX/XXXX and another dated XX/XX/XXXX. This guide was confusing, and led me to believe my XXXX rewards XXXX had the perk of up to {$100.00} global entry or XXXX precheck application fee statement credit. I specifically went out and applied for XXXX XXXX, and put the application fee on my XXXX  Credit card, and waited for my statement credit. After not receiving the credit I reviewed the 2 guides and saw that Wellsfargo included multiple different credit cards on this notice. Several benefits don't apply to my card, I didn't understand why Wellfargo would send me 2 notices with benefits that don't apply to my account. I filled a complaint with Wellsfargo on XX/XX/XXXX I spoke with XXXX who forwarded on the case # XXXX to the executive office for reimbursement. I received a response from XXXX XXXX, and escalations representative declining my request for reimbursement. That case number is XXXX. I would like my {$85.00} back. I tried to call and speak to the escalation office, and was on hold for over XXXX minutes trying to speak to someone.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable XXXX XXXX Compliance guidelines outlined by XXXX in their XXXX, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX  - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX Bank # XXXX reporting paid as agreed, but showing XXXX 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint # XXXX. I asked that you all send itemized receipts and proof of investigation and I have not received. Please advise a data furnisher is not a complete investigation. Please advise the 30 day window is complete, which means that legally you have to delete the reporting of XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Please remove the account belowXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have applied with Bank of America, I am XXXX point away from a XXXX credit score due to an error from a collection agency. I explained this to the mortgage officer, he laughed at me. I told him I am a single mother and this is an error that I am correcting. They refused to even listen to me. Bank of America has a long history of discriminating against underprivileged communities and this is another example of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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 XXXXXXXX
Product: Credit card or prepaid card

American Express closed my account based on an internal review and took away over XXXX points despite paying fees and being a customer for years.
Product: Vehicle loan or lease

I was tricked into and am now stuck in a predatory loan that I can not get out of. I am a XXXX XXXX XXXXXXXX and a car that was only supposed to be {$8000.00} XXXX XXXX, is not at XXXX I have gave them in payments already, and shows that I have another XXXX left in payments. They have made it so I can never pay off this car. I am a XXXX XXXX  XXXX and can hardy pay rent. I cant afford to be stuck in this loan that this company has me trapped in.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identy theft on student loan in 2013. Followed all FCC rules and got it off XXXX and XXXX, but equifax refuses to remove it. They have it as a charge off only.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors that I am a victim of identity theft, and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX # XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am disputing the presence of this bankruptcy on my credit report due to discrepancies in the filing and reporting dates, as well as the closing dates. This is troubling as I possess a court letter explicitly stating that this bankruptcy should not be reported. Moreover, the involvement of an unauthorized third party adds to the absurdity of the situation.
Product: Credit reporting or other personal consumer reports

l am a person who is a victim of identity theft. The first fraud incident occurred on XX/XX/year> by XXXX XXXX. This fraudulent inquiry was successfully disputed with XXXX XXXX and placed a fraud alert on my behalf. However, another fraudulent inquiry occurred on XX/XX/year> on my EQUIFAX credit report. The fraudulent inquiry was once again done by XXXX XXXX and was NOT authorized by me. Since the incident, I have requested 3 disputes online on the EQUIFAX website that have been unresolved and unsuccessful. Therefore, on XX/XX/year> I MAILED out a letter stating that the XXXX XXXX inquiry from XX/XX/year> is FRAUDULENT, my personal Identification documents, FTC report, and an EXTENDED fraud alert application. Since then, EQUIFAX has done absolutely nothing to remove this fraudulent inquiry nor answer my request about extending my fraud alert. In addition, XXXX XXXX alerted me that EQUIFAX had added a fraud inquiry from XX/XX/year> that had already been disputed with XXXX. I have also done my part by reaching out to XXXX XXXX about the fraud application and they have stated there is no application or information with my personal information. This is the second CFPB complaint I have filed because EQUIFAX refuses to remove the fraudulent inquiry and ignored my request to extend my fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

First Complaint # XXXX Received letter from Bank of America on XX/XX/ please see the attachment. 

Stating that they have confirm that it wasn't myself that opened up another bank account in my name with my SS #. This is unacceptable, Bank of America still has yet to explain to me how this happened under their watch. I am not satisfied with this communication from them ; my life has been turned upside down since XX/XX/XXXX because of this and I want answers.
Product: Debt collection

Portfolio recovery calls every day even on sundays. I block the number and they call from a different number.
Product: Checking or savings account

Subject : Victim of bank account XXXX at First Tech Credit Union ( FTCU ), fraud and overdraft situation I have a savings account number XXXX with First Tech Credit union in XXXX, WA. I have been a victim of a scam. Someone ( we believe XXXX on twitter ) obtained my credentials to make mobile deposits and remove money from the account and this this was not detected by the FTCU bank for over 3 weeks. Now I am saddled with negative values in my account and overdraft charges totaling over {$12000.00}. Of this amount XXXX shows up in the XX/XX/2020 bank statement and rest I can not see due to the First Tech account being locked by the bank. 
I am college student with no income so the FTCU bank should not have allowed these withdrawals I did not authorize, and have ever authorized, in writing, signed or requested any overdraft protection or courtesy pay. When fraud transactions occur risk controls should be triggered. 
These withdrawals should have been caught by the bank risk management controls. For e.g. XXXX  sends a hold communication when we deposit checks there is no amount available immediately. 
We did not receive any text messages stating that I am in an overdrawn situation. 
The bank should have stopped these transactions since the fake checks deposited by the perpetrator did not clear yet, and a hold should have been placed. 
There was a hold placed on only one of the final checks. 
The police case registered with XXXX County Police : Case number XXXX. Officer XXXX XXXX Considering the above, I trust that I am not liable for unnecessary overdraft.
Product: Student loan

I have had my FEDERAL Loans forgiven that were issued for a BOGUS degree by DOE. Per CFPB, Private Loans discharged under XXXX  XXXX are not collectible. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX  XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX  XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX  XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX  XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX  XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies. They have illegally closed prior request to avoid refunding my monies.
Product: Credit reporting or other personal consumer reports

I requested each agreement and no beuru was able to provde the information i asked for.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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  Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am writing to your agency in hopes you can help me with some charges on m y Chase Card  previously disputed with you guys. I would like to know the status of the disputes. I am  XXXX  and I do not own a computer, no electricity or internet and I am not computer literate . Communication is k ind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with Chase were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.
Product: Debt collection

I originally had a credit card from capital one that I could n't make payments on anymore in the amount of XXXX the credit card company charged off my account XXXX the statue of limitations after talking to attorney general 's office for my state on this type of issues is 4 years XXXX bought my account on XXXX and have been sending me letters and calling me the most recent letter has references that if they write it off they will send me a XXXX where I would have to pay taxes on this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I have requested the company sent me a contract or paperwork with my wet signature, a copy of my photo ID, proof that the debt belongs to me. I have been requesting this information for the past 5 years and the company refuses to provide it. The debt is a violation and if it does not get removed or fairly rectified I will sue in civil court for financial and emotional distress.
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 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 XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and put myself and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. They did not notify me directly and they have admitted that they will not notify everyone.