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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX  ) Account number XXXX 4. ( XXXX  ) Account number XXXX 5. ( XXXX  ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX CO Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, 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 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 ) ( XXXX ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed a dispute with Equifax about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with Equifax + XXXX and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, Equifax + XXXX said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called Equifax multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following : XXXX. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX RE : Jefferson Capital System I have sent numerous letters to the credit bureaus advising them I do not have a contract with Jefferson Capital System, and I have asked them repeatedly to produce a contract with this collection agency showing I owe this debt to them, but to date, they have not produced a contract. 

On XXXX, XX/XX/, I was contacted by an agent from Jefferson Capital System stating they are a debt collecting agency and I owe them for a contract I had with XXXX XXXX. 

I advised the caller I did not owe Jefferson Capital System anything as they had not produced the contract for services rendered. 

On XXXX, XX/XX/, I received an alert from my credit reporting subscription where Jefferson Capital System increased the amount of the collection. 

I believe this updated report was done with malicious intent causing my credit score to be lowered. 

I have filed a complaint with the XXXX XXXX XXXX to report their malicious and unethical practices. 

I am not liable for this debt with Jefferson Captial System as I do not have a contract with them as they have not provided me with the original contract as I requested.
Product: Mortgage

Through XXXX servicers I have requested an accounting of my modification payments and why they were never applied to my loan causing the modifications to be in default. After XXXX, a judgment not including these payments numerous copies of the payments the last servicer concedes the previous servicers never applied the payments to the loan. But they claim at this point there is nothing they can do since they only serviced the loan. Wilmington Trust claims even though they own the loan they have NOTHING to do with the money so there is nothing they can do. How is that possible if they own it? 
Just more excuses to take the home and the equity I built up. So basically no one can do anything because no one controls the property or has anything to do with the money. So I should just go back to court show them how they admit payments werent applied show the accounting show the fraud of false affirmations by Attorney and servicers and have the judge decide who is responsible and who can do what they legally should since XXXX told me to contact Wilmington Trust and Wilmington Trust says contact XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 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 keep seeing these inaccurate and unverifiable items on my credit report, which is really frustrating, especially since I have contacted you multiple times about this.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BK OF AMER XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services never sends me my consumer report, even after asking for it by phone and email which is my Legal Consumer Right under the Fair Credit Reporting Act. Early Warning also has fraudulent information contained on my consumer file. There is a XXXX XXXX AKA XXXX XXXX AKA XXXX bank checking, savings and money market account that is listed on the report all of which are fraud, I have never done any business with this company and it has already been reported to the company. Additionally they have 2 accounts from XXXX listed which are also fraud, again I have not done any business with this company. These accounts are fraudulent and I want these blocked. There is also two XXXX XXXX Accounts a Checking and A Savings. Which I did not open nor authorize to be opened, I have never lived at the addresses they have listed for these fraudulent accounts. They are opened by an identity thief who stole my identity. I am attaching my identity theft affidavit below.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against XXXX, XXXX, and EXPERIAN regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Payday loan, title loan, or personal loan

My loan was transferred/sold to VyStar credit union and has been on auto-pay the entirety of the loan. 

A year ago, the autopay feature broke and a payment was missed as a result. When I reached out to resolve, they helped me set up a new autopay but did not explain that the automatic payment would not catch up the missed payment due to the broken autopay. 

I have sent numerous emails, chats, and spent hours on the phone trying to get an answer and they just tell me there is nothing I can do yet they refuse to provide any documentation on my issue for my review or any acknowledgement of my previous outreach trying to get the issue solved. 

I never asked to be their customer, my loan was sold to them, then their autopay broke and dinged my credit. I've been desperately trying to speak to someone to solve this and VyStar has avoided helping me.
Product: Credit reporting or other personal consumer reports

PNC bank reported my mortgage account has late payments. 

In accordance with Fair Credit Report Act, PNC Bank has violated my right.

15 U.S.C. 1681 section 602 of the Fair Credit Reporting Act ( FCRA ) states I have the right to privacy.

15 USC 1681 Section 604 A section 2 of the Fair Credit Reporting Act ( FCRA ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Section 605B. It is illegal to report information on my report without my permission.

Please permanently delete late payments from my credit reports.
Product: Mortgage

Back in 2005, I started a mortgage with Wells Fargo. The market was a lot different then. The home is in North Carolina and is now considered our second home. The loan is a XXXX year interest only loan. This means that it just matured this past XXXX. Over the past XXXX years with interest rates improving, I 've been wanted to refinance, but could n't due to XXXX factors. # 1 Being that Wells Fargo sold me a bad loan. I had no idea that there was such a thing. This means that it is n't insured by XXXX or XXXX XXXX. Therefore it is very challenging to be considered for any refinance options. The worst part about this is that I was targeted by Wells Fargo for refinancing numerous times, only to have my hopes crushed when the sale people from Wells Fargo came to the same realization that not being insured by XXXX or XXXX XXXX was the kiss of death. It got so bad that I would take their calls and explain this to their sales teams right up front, they 'd do some checking and save us all some trouble. The XXXX reason I was n't able to get refinancing help was due to the market conditions lowering my house value to my loan. So ... since I was n't paying any principal, just interest on top of the depressed market, my loan to value would never improve. 

So, now that my load in changing to an ARM, my payments have increased another {$350.00} per month, making the payments even more challenging to make. So ... essentially, I ca n't refi to improve anything, but they keep raising my prices making the payments more challenging. We have to try and sell or just keep taking huge losses each month.
Product: Money transfer, virtual currency, or money service

I sent in a complaint already the ID XXXX. I wanted to say Cash App has not worked with me to resolve the issue. Cash App sent me an email acknowledging my account was fraudulently accessed XX/XX/2020. After asking for an investigation on XX/XX/2020. I was asked to create a new account and send a copy of my Driver 's License on XX/XX/2020. I responded with the information requested on the same day as the request. I have received no information from Cash App beyond XXXX XXXX. 2020 save a couple of missed calls from a number take can receive no incoming calls.Cash App has not contacted me to resolve my case even though, Cash App reported to CFPB they would resolve the issue with me. I would like Cash App to return money to my account as they told CFPB they would do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting or other personal consumer reports

This is unacceptable. I expect these accounts to be verified and removed immediately. If action is not taken right away, I will escalate this matter until it is properly handled. This needs to be fixed NOW.
Product: Student loan

Copy of letter sent to Navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX Account : XXXX To Whom It May Concern, On XX/XX/XXXX I spoke with a representative about switching my repayment plan to the new REPAYE program. The representative informed me of how to apply for the change ; part of the new application was to apply for a one-month forbearance, call as soon as I submitted the application, and make a {$5.00} payment. 
I submitted the application the next day. On XX/XX/XXXX I spoke with a representative to make the {$5.00} payment. I was informed that a one-month forbearance would capitalize all of my interest unless I made a full payment of {$630.00} by XX/XX/XXXX. I agreed to these terms, and looked at my options to make this full payment. Later on the same day, I saw that I could have the money ready for payment by XX/XX/XXXX.

I received several correspondence letters, one with the terms of the forbearance. It stated that payments will resume on XX/XX/XXXX. 
On XX/XX/XXXX, I received a correspondence letter stating that I have been approved for the REPAYE plan. When I logged in to see what my new payment would be, I noticed that all of my interest was capitalized less than a week after my forbearance was approved. 
I spoke to a representative, who informed me that the forbearance was set to end on XX/XX/XXXX, not XX/XX/XXXX. I asked for the capitalized interest to be removed, thinking there was an error. The representative stated that she can not do that, but she can transfer me to a supervisor. I spoke with XXXX, who again told me the same information. She told me that a new policy back dates forbearance approvals this meant that my forbearance began on XX/XX/XXXX, and was scheduled to end on XX/XX/XXXX. 
XXXX instructed me to write a letter with this information ; she also sent the case to review. I would like the capitalized interest removed from my account. I do not feel that forbearance terms should be changed without informing the customer. I have submitted a {$650.00} payment, which will make my account current to the terms I was given. I have also included a copy of the letter of my forbearance terms. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX Follow up : I did not know about CFPB complaint process until recently. I received a letter from Navient stating they were correct in applying the interest, despite the fact they retroactively applied it.