23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : CXXXX XXXX Account number : XXXX Account name : THE XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights XXXX 
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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report by the FCRA and the accepted STANDARD of metro 2 data field reporting. If any claims have not been proven to be correct, I request that they be removed. I understand that according to federal and state law, it is important to report any allegations accurately and completely. Therefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated. 

Listed below are the Inquiries that are being challenged : XXXXXXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 

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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate 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 Under 15 U.S. Code 1681o , I am entitled to have this inaccurate information corrected or removed. I request that you investigate this matter and take the necessary steps to correct or delete the disputed information from my credit report. Please notify me in writing of the outcome of your investigation
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under tXXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

I received this correspondence from N26 bank : " After making the tough decision to sharpen our focus on our XXXX business, N26 is no longer available to customers in the US meaning we are only communicating via email. 
In order to assist you, we will need you to send us an email from the email address registered to your account and provide the following : - A double-sided photo/scan of your valid ID/Passport - Date and Place of Birth - Shipping address confirmation ( eg. utility bill dated within the last 3 months ) - Your express authorization so, please respond with the following statement : I authorise N26 Bank to exchange my personal data with me via email. 
If you do not have access to your registered email address, please send us an email stating : - Your previously registered email address, in addition to the information above. 
Please feel free to provide us with the documents as a scan or photo by email.

Ill then be able to continue this conversation via email. Note that your authorization to exchange personal data via email at any time. 
Thanks for your patience and understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXXXXXX : ref '' I submitted the documents they requested. I am not getting any response as to the status of my funds being held at their bank after closing my account. 
When I go on line to the chat, they say I have to reach out to New York. When I reach out to New York, I get a response that I have to contact N26 XXXX. It is an endless loop of non responsiveness and illegally holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets make this very clear, I am fed up with the excuses I am getting from you in regards to this account. This is not my account. If you can not provide me proof of this within 30 days then you MUST delete this bankruptcy at once. I will no longer tolerate this tremendous error to occur in something so sensitive and serious as is my credit report. 
This is the account that needs to be removed from credit report : US BKPT CT XXXX  XXXX XXXX XXXX Remove this account at once and since you claim that you have confirmed with them I need to see this suppose document with my signature on it proving this. If you can not provide me with this within the 30 days then you HAVE to remove that account. Do not push me to take legal actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax removed XXXX points from my credit score. The apparent resons were 1 - Inquiry removed 2 - Balance decreased 3 -Payment history changed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized inquiry from my credit report. I am a victim of identity theft resulting from a data breach. This inquiry was made without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized inquiries blocked and removed from my credit report. 
Unauthorized XXXX XXXX - Date : 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 Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the unresolved issue I have encountered with TransUnion regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. As a result, I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the corresponding corrections that need to be made : The inquiry was not authorized Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
The inquiry was not authorized Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
The inquiry was not authorized Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
The inquiry was not authorized Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report.
Product: Checking or savings account

Have equity line of credit account ( $ XXXX ) with Citizens linked to a checking account that exists only to support the HELOC. 

Annual fee on HELOC was paid automatically out of checking account and triggered a minor overdraft ( {$20.00} ). Citizens sent out e-mail notice XX/XX/XXXX ( a Saturday ) notifying me about overdraft and suggesting I have until XX/XX/XXXX ( Monday ) at XXXX to make an eligible deposit or transfer. I transferred funds the same day online ( XX/XX/XXXX ) as suggested to balance the account. I did not receive any further communication since and assumed the matter was taken care of. 

On XX/XX/XXXX, I noticed that Citizens had charged me {$35.00} on XX/XX/XXXX in overdraft fees, another {$30.00} on XX/XX/XXXX and yet another {$30.00} on XX/XX/XXXX. 

I called the bank the same day asking to reverse the fees in their entirety, which they declined. {$95.00} in fees for a {$20.00} overdraft is not in a reasonable proportion, especially given that I followed their recommended solution.
Product: Mortgage

I XXXX XXXX had set up auto-debit payments to my loan servicer while being enrolled in paperless statements. So, one month they said I did not set up the auto-pay correctly and put a late payment on my credit report. I work very hard to pay all my bills in a timely fashion. When I called my home loan servicer to discuss this problem they claim the error was my fault and refused to help. In any case, I made the payments and caught up after them putting a late payment on my record and also charging me a XXXX late fee. I feel like I got no help, support and proper explanation for this error. Please help me resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX FIN # 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

In accordance the Fair Credit Reporting Act, Capital One has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Mortgage

it's about Ditech mortgage Co, mortgage loan # XXXX. 
In 2013 I applied for personal bankruptcy and was granted a complete debt discharge in Federal court under Chapter XXXX, all my debt was discharged including the stated above mortgage, all documentation was sent by my attorney to ALL my creditors, including Ditech. Ditech refuses to honor the Court orders and refuses to remove my name off the mortgage documents. They are trying to force my husband and I to refinance the whole mortgage just in order to get my name removed and leave just my husband 's name alone of the mortgage. I DON'T HAVE THOUSANDS of $ $ $ to gift to Ditech for just removing my name off the acc. Please explain to me why Ditech is allowed to ignore the Court order.I no longer have any association with this mortgage and I want MY name completely removed off that mortgage, this house belongs to my husband and the mortgage debt should be only under my husband 's name. thank you! XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It is unacceptable that an unauthorized inquiry appeared on my credit report out of nowhere this morning. I have never had this issue before, and I am beyond frustrated that I am now dealing with it. I even tried refreshing my browser, thinking it might disappear, but it didn't. I need this fixed right away, and I expect my submitted documents to be reviewed properly so I dont have to worry about this ever again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report again on XX/XX/year> and noticed some things are still incomplete and not accurate with the accounts listed above. 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 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. 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: Student loan

First, this is my son 's student loan. The balance is under $ XXXX. I 'm XXXX. I have never missed a payment on anything in my life. My credit score was above XXXX before I started dealing with Wells Fargo. 
1. I had no idea these loans were behind. They do not send notices to co-borrowers until it is too late. They do not allow co-borrowers online access to monitor the loans. It 's 2016. 
2. After seeing my credit score charge, I called them on XXXX XXXX to find out why. I said I wanted to make a payment immediately for all balances and 45 days ahead. They took the information and sent me a written confirmation in the mail that it would be processed the next day. The payment did not go through ( their fault ). But the kicker is : THEY MADE NO EFFORT TO TELL ME. I coincidentally called them today ( XXXX XXXX ) to get a copy of the loan and they said it was still in arrears! What?! The payment did not work and they were NEVER going to inform me of that. ( For the record, I record all my phone calls and I went back and listened. The information I gave them was 100 % correct. They just did not transmit it correctly. ) They were not going to tell me they it di not work and were just going to let the penalties and fees keep piling up. 
3. When I complained about this, they sent me to another office. That person advised me they record phone calls. That 's good. I informed him ( which I am not legally obligated to do in Minnesota ) that I also record phone calls. When I told him that, he said he could not continue the phone call. They can record the phone call, but they don'tt want you recording it. What is that?! Is that even legal? 
4. Wells Fargo ( WF ) will not give me online access so I can monitor these loans although I have asked for it repeatedly. They say they are working on it. It 's 2016. They say I have to go through my son 's account. I do n't want access to his accounts. If I am equally responsible for these loans, then I should have my own direct access. They do not mail notices until well after there is a problem. 
Here is what I believe : Wells Fargo has a scam going where what they really want is to collect late fees and penalties. They do n't want co-borrowers to monitor the accounts. BTW, their late fees and penalties are exorbitant - nearly as much as the payments. This amounts are well beyond their actual damages! This is completely unjustified. Is there no federal limit on these? 
The federal government needs to require them to give ALL borrowers equal and direct access to the status of loans. They should not be permitted to collect late fees or penalties or file adverse credit actions until that is in place. It 's 2016. They say they are working on it, but in the mean time, they are happy to collect millions of dollars in fees and penalties. I doubt they are working very hard on it.
Product: Debt collection

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : - XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX