23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a B of A credit card ( ending in XXXX ) since XXXX with a limit of {$24000.00}. In XX/XX/XXXX, B of A closed this account, like another account of mine, on bogus grounds of inactivity and derogatory records. 

I have other credit cards. None was canceled. There has been no changes in my credit worthiness. I have always paid full balance on purchases at the end of each month. I have used the card on and off, and have NEVER been late. 
In XXXX, in response to the banks solicitation, I obtained a " 0 % interest for about a year '' cash transfer of $ XXXX with {$880.00} in fees. So, it was really a 4 % interest rate loan that the BANK SOLICITED. I did not. I paid the monthly payments, on time, every month. In XX/XX/XXXX, I paid the balance in full. 
The only derogatory information on my credit card relates to XXXX of XXXX bogus reporting of being late once in 16 years, a 30 day lateness in XXXX of XXXX. I have reviewed it and it is a bank error that they said they would current but did not. 

Not only has the bank closed my account, it has also blocked me from accessing my bank records. I asked for the XXXX to XXXX records but they sent me statements for another account number.
Product: Debt collection

I've asked for proof, but they're not giving it to me. I want Merchants Credit Guide to give the CFPB the statements and proof of documents they're claiming I owe, but I know it's false information. I tried to get information from the hospital, but they didn't provide any. 

Please show the CFPB the document proving I owe them {$5000.00}, or I'll authorize the CFPB to take legal action.
Product: Debt collection

Contacted the debt collector and was advised if I paid off this debt it would be removed from my credit reports. Not only has the collector kept the debt On my credit report. It still updates as if it is not paid and that is hurting my credit I have disputed this transaction with my attorney general of my state. Unfortunately the Attorney General said they have no standing over this case and referred me to you
Product: Debt collection

I am a former Greentree customer. Everything they were fine for is valid. They would call me multiple times and were very rude. When I would call to speak to someone to report this behavior the same representative would answer the call. Not to mention at the time I was in chapter XXXX bankruptcy and was so stressed by the phone calls that would not stop after repeatedly asking for them to refrain from calling me. Needless to say I eventually did a chapter XXXX giving the mobile home back! This was a horrible time in my life. Awfully glad they were fined. I never thought I would be reading this today after so many years. XXXX is good!!!!
Product: Credit reporting or other personal consumer reports

XXXX - I certified mailed the required documentation including Drivers license, Social Security XXXX, and letter demanding the removal of unauthorized lock on my credit. 

XXXX @ XXXX - XXXX certified delivered, i also called Equifax and was told the XXXX time it would take to process was XXXX business days XXXX - XXXX XXXX  - I have called equifax multiple times. Each time I was given various excuses about why they have not processed my paperwork. 

My concern is the violation of my FCRA rights as I have been unable to obtain credit until this internal problem of Equifax is resolved. Also no one can explain where my documents are, which creates bigger risk due to their recent data leak, as I have provided my image, DL, and XXXX on XXXX documents as required and demanded by Equifax. 

I need support regarding this matter asap.
Product: Debt collection

Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against TransUnion regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$240.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate informationXXXX XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from TransUnion showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from TransUnion. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.
Product: Credit reporting or other personal consumer reports

I reached out to the Equifax over a month ago. I asked each Equifax to remove the fraudulent information on my credit report, as there are people with my personal information that are not authorized to open accounts or use my personal information for their financial gain. There is fraudulent information on my credit report and I am wanting each bureau to remove the inaccurate and fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. XXXX, Equifax. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 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, credit repair services, or other personal consumer reports

Sent disputes letters to credit bureaus about incorrect information and inquiries by mail and phone and they did not remove inaccurate information.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) ****
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE XXXX DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BKPT CT OH XXXX  All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full and not in a derogatory status. XXXX  Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. XXXX has not made an update on this account since XXXX. All Of the credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on all three credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account. XXXX  Is reporting that this account was 120 Days past Due where the other two credit reporting agencies are reporting that the account was never late and is Current.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Systems XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
I am willing to pay the XXXX as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. 
Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay XXXX via cashiers check/money order. 
If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, we found out we have a plumbing problem in our home. The company we were using to fix the problem submitted the information to Synchrony Bank which denied us credit. I called them but was unable to get any information as to why we were denied. We already have an open account with a {$6000.00} credit limit but we've been told it can't be used for the work that needs to be done which will cost {$4500.00}. We also have an open CareCredit card that's in use with no late payments. Both are with Synchrony! A letter was written to Synchrony for information as to why we were denied. Their response is confusing! We requested and got our credit reports from XXXX. There's nothing negative on it. We've never been late with our payments. We also have our credit monitored by XXXX XXXX and there's nothing negative with XXXX  or XXXX. Our latest credit scores are 773+. We have copies of the credit report if you need them. I don't want to apply to another company until this is resolved.
Product: Credit card

I closed my account XXXX. With that phone call I made sure that there would not be any more interest charges. I was assured there would not be. XXXX XXXX I received a letter saying I owed money and have had reoccurring letters and email but was told I was not allowed to view my charges XXXX. I brought it to light with you and I now have that information. Once I received that information via letter. XXXX, I to ask for the phone records and the manager told me they would send information about what the company decided once they reviewed the phone records but it would take 10-15 days. I waited till today ( 20 days ) to contact them again as I did not receive the letter. Today I talked with XXXX who told me they would not sent a letter or email with this information. 
I am finding this bank to be very untrustworthy. I would like the phone conversation of when I closed the account XXXX. I get repeated letters and emails from BMO suggesting that I do not respond ( I have call 5 times and emailed once ( no response from the email from XXXX XXXX ) and they threaten collection agency. The amount I own have gone up and down.
Product: Checking or savings account

Subject : Unauthorized Transaction and Delayed Resolution on Wells Fargo Business Account Case Number XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding an incident involving my Wells Fargo business account, which is linked to my personal account. On Tuesday, XXXX XXXX XXXX  a transaction involving the cashing of a {$5000.00} check was conducted without my authorization. I was promptly contacted by a representative from the Wells Fargo Fraud Department to verify if I had authorized this transaction, to which I responded negatively. 

The representative acknowledged that the transaction was an error on the part of Wells Fargo and assured me that the funds would be reinstated into my account by the following day. However, upon checking my account, I discovered that the funds had not been returned as promised. Subsequent communication with the Fraud Department revealed that the matter was under investigation, and they admitted their fault once again. They informed me that the funds could not be restored to my account until the investigation was complete. 

I was provided with the case number XXXX but have since experienced significant delays in the resolution of this matter. The primary issue at hand is not the initial mistake, but the failure of Wells Fargo, a XXXX dollar company, to promptly rectify the error by reinstating the funds during the ongoing investigation. This delay has caused substantial inconvenience, impeding my ability to fulfill payroll obligations for my employees, as the {$5000.00} in question was crucial for these operations. 

I am seeking an immediate and thorough investigation into this matter, along with the prompt restoration of the {$5000.00} to my account. The urgency of this issue can not be overstated, as it directly impacts my business operations and the livelihood of my employees. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third dispute with XXXX and TransUnion regarding the deletion of the Bankruptcy reporting ( case number XXXX with a case filing date of XX/XX/XXXXXXXX  and close date of XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) . In addition to the investigations going well beyond the required 30 days. 

XXXX correctly deleted the reporting because it was unverifiable with the original vendor. However, despite providing evidence in the form of a letter from the Bankruptcy court that they do not report to the credit bureaus. XXXX and Transunion have not deleted the reporting and are in violation of the FCRA. XXXX and TransUnion did not and have not provided proof of who they verified the account i.e. the original vendor being the NXXXX XXXX XXXX XXXX XXXX XXXX XXXX  or a third-party vendor. 

Therefore, this is grounds for the deletion of the reporting. Please hold them accountable for this violation and instruct them to delete the reporting. immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights un 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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

I have unrecognized debts that i didnt do or authorize. so i dont know what i need to do to prove or fix this!