23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX I received the forms that Hall & Ludlam had delivered to me stating they were going to sue me XXXX had a phone conversation with Hall & Ludlam and set up a payment agreement to pay {$100.00} a month until XX/XX/year> when we would revise the situation XXXX I called to make a settlement payment, my proposal was turned down and we agreed that I pay {$100.00} a month until I pay off the debt XXXX I reached out to Hall & Ludlam to make a settlement offer ; was informed that XXXX XXXX was out of the office ; XXXX XXXX stated he would have XXXX XXXX reach out when he was back in the office ; I waited for XXXX XXXX to reach out , in which he never did XXXX XXXX XXXX emailed the balance left to pay XXXX I emailed XXXX XXXX requesting debt validation XXXX I emailed XXXX XXXX for an update XXXX I emailed XXXX XXXX requesting debt validation after failed attempts XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided the remaining balance XXXX I emailed XXXX XXXX requesting debt validation and a balance update XXXX I emailed XXXX XXXX for an update XXXX I attempted to contact XXXX XXXX again, requesting debt validation ; XXXX XXXX responded with the inability to provide information regarding my credit report and that he could only provide the balance that was left ; I responded back stating I was going to try and contact XXXX XXXX once again XXXX I sent another email regarding the validation of debt, informing XXXX XXXX that I was going to report the situation to the CFPB
Product: Debt collection

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you initiate an investigation into the inaccuracies I have identified and inform me of the results upon completion of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.
Product: Money transfer, virtual currency, or money service

I deposited cashiers check for XXXX to Bank of America on XX/XX/2021 to the landlords account she provided me with, I was going to rent a house from. It turned out to be scam, and the house is not available for rent. Someone named XXXX XXXX and XXXX XXXX ( realtor ) reached out to me after my application and sent me rental agreement and asked for the deposit to secure the rental. These people are scam. There are few more families that they fooled. The house is occupied by the owners, and they stating that we are the fourth people coming in and telling that we have rented this house. I called BOA today and they told me to go to my bank XXXX. XXXX told me that they are not going to open a claim because I purchased cashiers check myself and deposited it to XXXX account. Please help me. My family with XXXX children is literally homeless now. Not enough that we lost XXXX XXXX we also dont have a house to move in, and I even had to cancel moving truck today, and lost another XXXX there due to my cancellation
Product: Credit reporting or other personal consumer reports

Company reinstated accounts that were inaccurate without cause or explanation in refuse to properly disclose information about disputes and suspicious activity on my credit report as a victim of identity fraud and the XXXX data breach I have provided information about my identity fraud investigation and yet they still refuse to provide any evidence or proof to support their decision to validate accounts on my credit report that I believe to be fraudulent
Product: Payday loan

Wells Fargo treated me lousy as a new bank customer. 
I got charged XXXX overdraft fee and my account would not let me activate my credit card issued to me by Wells Fargo in order to further avoid additional bank overdraft fees and cover my negative balance. I asked Wells Fargo to credit those fees and they refused. They also refused to close the account when I asked them to close it. They said they would first ruin my credit and send my account to collections. Last time I do business with this bank for any of my transactions.
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 XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX 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 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. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Vehicle loan or lease

I totalled my car XXXX XXXX, XXXX. I was reimbersed by my insurance company XXXX XXXX. At that time, I was told by the insurance adjustor the remaining loan amount would also be paid off. It WAS. I received a letter from JP Morgan Bank that they had provided Chase Auto XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( c/o XXXX XXXX XXXX ) of receipt of payment and that it had been forwarded. XXXX XXXX considered it a late payment and obviously reported it immediately after due date to all Credit Report Companies. Record will show that from XXXX XXXX to XXXX XXXX the car payment was drafted on time. This was catorgorized as History of Late Payment on my XXXX Credit Report. An email ALERT advised me of the occurrence that lowered my credit rating. I was never notified by Chase Auto of their concern of a late payment. Do not hesitate to request more infomation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS 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 with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite have sufficient funds with transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal similar practices, were transactions settles with insufficient balances despite initially available funds. I believe those practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found incorrect information furnished by credit reporting agencies. I have reached out to all credit reporting agencies with the correct information for update. After waiting for months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer. All information reported must be correct according to the FCRA. Please correct this concern, because it has caused great damage. Only one address should appear on each credit report.
Product: Credit card

I paid my Chase-Southwest Airlines credit card on time as always, arranged online through my bank. I apparently typed the amount off by {$10.00}. This resulted in a $ XXXX+ finance charge for late payment. When I protested, they said this is a legitimate charge, as the late fee is on the full amount of the invoice, which was 0ver {$2000.00}. Is this allowed?
Product: Credit reporting or other personal consumer reports

MicroBilt continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and MicroBilt has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. Experion. Reports no score. Called over and over says its ok. But never is
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit card or prepaid card

I have repeatedly reached out to this company regarding this issue and nothing has been done. There are recurring charges on my account. I have requested several times that my card is cancelled and another card reissued with a different number to prevent new charges. They have taken NO action to address my issue and prevent this issue from reoccurring. Your company needs to investigate this company and how this situation was handled. I spoke to someone from their back office a few months ago which stated the issue has been resolved and that I didn't have to worry about any future charges. That was completely false there are now two new charges on my account that shouldn't be and needs to be immediately removed. There was also supposedly a check issued to me for XXXX due to an overpayment which was never received. I will not be paying for charges not done by me. The incompetence of this company is baffling. Your inability to fix this issue orginally has called this situation to be prolonged. This requires immediate attention.
Product: Credit card or prepaid card

Only a couple days after terminating my employment at American Express my credit line was reduced by XXXX
Product: Credit reporting or other personal consumer reports

I have already disputed these items with the bureaus, but they did not remove them, In accordance with the Fair Credit Reporting act 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  has violated my rights. nor prove validation. 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
Product: Credit reporting or other personal consumer reports

transunion inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX Inquiry : XXXX. XXXX, 2023
Product: Checking or savings account

Wells Fargo processing many checks prior to ACH resulting multiple overdraft fees. Informed Wells Representative violation of Title 12 Banks and Banking injustice on XX/XX/2023. 

Wells Fargo assigned Mediation Tracking Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Asked Equifax who is updating my previous residences on page 6 of 14. It appears that it is being updated with invalid address every month - who is the source? Equifax has refused to tell me who is doing this and has hung up on me 5 times. They just put me on hold and then hang up. 

2. Received letter dated XX/XX/2019 ( XXXX ) stating my credit file has been lost. 

For Equifax 's reference on my credit report 's : Confirmation # XXXX XX/XX/2019 Confirmation # XXXX XX/XX/2019 Confirmation # XXXX ( not received as of yet. ) It appears that Equifax does want to tell me who the source is of the previous false information on my credit report so they just say my file is lost.
Product: Prepaid card

Bank of America prepaid card EDD claim was the proved. And they're giving me all types of hassle like if they're not even real people on the phone cuz everybody been approved for my claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, XXXX, DEPTED XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 602 A. Sections2 : It also states a consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$17000.00} FXXXX 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/year>
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report that I have no knowledge of. The credit reporting agencies helped solve some of the problems but there are remaining accounts on my credit report that aren't mine.
Product: Credit reporting or other personal consumer reports

I'd like to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the account from my report. I kindly request that you thoroughly review and rectify the inaccurate information on my credit report. In light of the current economic challenges, it is critical that incorrect data does not negatively impact my credit score. So I need this account removed immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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 days after the date of receipt. 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 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 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 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 XXXXXXXX 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 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: Debt collection

I am not aware of when this hospital visit occurred. I am pretty sure that I had insurance at the time since I do and have received Medicaid for quite some time. I tried to see if I could settle with a smaller amount and they told me no. I am a full time XXXX and haven't been working for a few months.