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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : XXXX XXXX  Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : XXXX XXXX  Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX, XXXX, Dates associated with item being disputed : XXXX XXXX Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX Account Number or other information to identify account : XXXX Dates associated with the item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : XXXX XXXX Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance. 

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

I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data.

This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Student loan

ask for lower payments ask for repayment plan and keep forcing me into forebearce told them i ca n't afford the XXXX payment they refused to help me but call me 10-15 times a day about money all times of night
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier ( XXXX XXXX ) and they have confirmed that it was not there on their report.
Product: Credit card or prepaid card

On XX/XX/2020 I had purchased off the XXXX site a what I thought was a XXXX case - XXXX XXXX XXXX. The guy that store it was under on there was a XXXX who ironically his store is now gone and so is his email but I have this lady billing me XXXX and she sent me a plastic case with a slapped on decal of the XXXX XXXX logo - nothing like the pics. Probably why they got shut down on XXXX. 

My problem with citi  is for two days now you cant dispute your purchase online it says were experiencing some temporary delays, please try back later. 
If you call them it hangs up on you automatically and says the lines are too busy. 

Listen Ive quarantined and working from home since XX/XX/XXXX and we work well still even with a limited staff. 

They send out emails saying they rather have you obviously do things through their app and then their app doesnt work and their phones are programmed to automatically hang up due to their call volume so you cant get anything done/rectified I want them to credit the charge XXXX XXXX posted on XX/XX/XXXX and the amount is XXXX and tell her to stop sending fakes out. I dont have an address to send this fake back to and Im not paying to ship it back so youll have to deal with how this fraud wants to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Identity have been compromised. Security of my personal SSN, Mailing address, Date of Birth, Full Name was Breached. Was not notified of Security breach. Had to discover security breach on later date. Company only able to offer automated voice message as a response.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I AM WRITING REGARDING ACCOUNT # XXXX, WHICH THE CHARGE AMOUNT OF {$1600.00} IS INCORRECT. I MOVED INTO THIS APARTMENT ON XX/XX/year> WHCH MY MOVE IN DATE WAS XX/XX/year>. IT WAS FILTHY AND NOT AVAILABLE ON THE MOVE IN DATE. I HAD TO WAIT ANOTHER WHOLE DAY FOR MY APARTMENT IN WHICH IT WAS STILL FILTHY AND I WAS NEVER CREDITED FOR NOTHING. I HAVE EXPRESSED MY CONCERNS TO THE LEASING OFFICE AND THEY DID NOTHING. UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ), I AM REQUESTING VALIDATION OF THIS DEBT. PLEASE PROVIDE COMPLETE INFORMATION ON THE ORIGINAL CREDITOR, ORIGINAL ACCOUNT NUMBER, THE DATE THESE CHARGE WERE CALCULATED, THE AMOUNT OF THE ORIGINAL DEBT, AND AN ITEMIZED STATEMENT SHOWING THE AMOUNT OF THE DEBT AND ANY ADDITIONAL FEES OR CHARGES. IF YOU ARE REPORTING THIS ACCONT TO ANY CREDIT REPORTING AGENCIES, UNDER THE FAIR CREDIT REPORTING ACT ( 15 USC 1681b ) YOU MUST PROVIDE VERIFICATION OF THIS DEBT TO THOSE AGENCIES UPON REQUEST. AT THIS TIME, I DISPUTE THE VALIDITY OF THIS DEBT UNDER 15 USC 1692. PLEASE VERIFIY THIS DEBT IN WRITING AND PROVIDE ALL INFORMATION REQUESTED ABOVE WITHIN 30 DAYS. IF VALIDATION IS NOT PROVIDED, I WILL EXPECT THIS ITEM TO BE REMOVED FROM MY CREDIT REPORTS AND FURTHER COLLECTION ACTIVITY TO CEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 a credit card was fraudulently opened under my name by someone that I know. I was not aware of this till XX/XX/2021 when the credit card was maxed out and SunTrust ( now Truist ) called to tell me this. I immediately closed the account and asked to speak to fraud department. I filed a police report and sent all documents to the credit copy. I frozen all credit bureaus and sent all letters explaining what has happened. This investigation has been going on since XX/XX/2021 and there is still no resolution. I have to email them weekly to ask for update but they continue to tell me that " it is complicated because of some purchases '' During this time my credit has gone from XXXX to XXXX. I am unable to do any major transactions, or make any major purchases as my credit is still frozen and credit score is ruined. 

They have the suspects name, info, address, phone number and when i asked if they have even reached out to that person they stated that they called " once '' and there was no answer. 

I have made multiple attempts to reach out and ask for status even regarding a time frame that they think this will be resolved but they have yet to give me a reasonable answer. 

We are going on 4 months with essentially no resolution and no update. 

I have finally hired a legal team to pursue this manner and costs are being accumulated as we continue waiting
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against ProCollect for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with XXXX. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXXXXXX - Address : XXXX TX XXXX of the Complaint : ** I recently obtained a copy of my credit report from XXXX and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX XXXX {$170.00} on XXXX partial account number XXXX XXXX. XXXX XXXX : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or XXXX and Experian ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, XXXX XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE SENT OVER SEVERAL DOCUMENTS OF REMOVING ACCOUNTS THAT HAVE BEEN NO LONGER TO REPORT ON MY CREDIT REPORT, NO ACCOUNTS SHOULD BE REPORTING ALSO I HAVE TRIED TO REACH OUT TO REMOVE UN AUTHORIZE INQUIRES.
Product: Credit card or prepaid card

Re : First Progress XXXX. XXXX XXXX XXXX XXXX, TN XXXX Card Number : XXXX I opened an account for a secured card with First Progress for {$300.00}. I had to Deposit {$300.00} cash for them to open an account for me. 

I closed the account and First Progress never refunded the {$300.00} cash Deposit and they kept adding fraudulent bogus charges to the account After it was closed now the account is showing I owe them {$580.00}. 

I owe them nothing and again they never returned my deposit of {$300.00}. I want this account to show at all 3 credit reporting agencies That I owe them nothing and I want a return of the {$300.00} cash deposit That they received from me. 

Sincerely, XXXX XXXX
Product: Debt collection

In Beneficial 's response dated XX/XX/XXXX to CFBP complaint # XXXX, Beneficial representatives state, " XXXX XXXX XXXX referenced three previous mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please be advised that we are unable to research these mortgages as they are no longer available in our servicing system. '' Since Beneficial is incapable of doing the research on these three previous mortgages, I have done it for them and have included them within this complaint. As one can see by doing a simple comparison, the three previous mortgages ( XXXX, XXXX and XXXX ) completed by Beneficial contain the correct legal description of my deceased parent 's property, as opposed to the legal description contained in the purported XXXX mortgage Beneficial ( HSBC ) admittedly sold to XXXX, with servicing being conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX  ). This is further evidenced by the legal description contained in the XX/XX/XXXX Loan Title Insurance Policy issued by XXXX XXXX XXXX XXXX, XXXX Once again, Beneficial and XXXX are unethically misrepresenting the facts and continue to seek judgement on a security interest without the required standing or supporting documentation. I demand they stop any and all misrepresentations and illegal actions.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX Balanced {$2700.00}
Product: Credit card

On XX/XX/2024 I made a payment totaling {$1900.00}. That payment cleared my bank on XX/XX/XXXX. Bank of America did not make the amount available though my credit card. I have attempted to contact Bank of America two different times only to be informed that they placed a 10 day hold on my payment. This period was reduced to a 5 day hold during a subsequent phone call. It has now been 5 days and the funds still remain unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am contacting you because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely.
Product: Checking or savings account

There is a bank name Wells Fargo fraud bank closed my account fraudulently and I lost {$760.00} which every month of the 3rd I receive from the Social Security Administration. I opened this account on XX/XX/XXXX XXXX XXXX and they closed my account on XX/XX/, in one month. I gave my this Wells Fargo account number to Social Security Administration to deposit funds in this Wells Fargo account and they said that on this XX/XX/XXXX, they deposited {$760.00} funds in my this Wells Fargo account but before XX/XX/XXXX XXXX came this fraud Wells Fargo closed my account on XX/XX/2023, and sent notice to me and it takes days to receive a notice and then Social Security Administration can't take changed account number fast in some days and deposits funds in a different account. So on this XX/XX/2023, Social Security Administration tried to deposit funds in my Wells Fargo account but I didn't see any funds in my Wells Fargo account because the account was closed. So I lose this XXXX {$760.00} from Social Security Administration and Social Security Administration can't change any personal bank account immediately they take one month to change that person 's bank account. So if I called Social Security Administration to Change my bank account number then they gon na say that they can change my bank account information next or I think on XX/XX/, until they can deposit funds in my Wells Fargo account but this fraud Wells Fargo bank closed my account and I lose my this month {$760.00} and if I wait till XXXX than I gon na lose a total of {$2200.00}. And I requested this fraud Wells Fargo to reopen my account but they didn't reopen the account. 

And they closed my account because I deposit 2 checks in my account from another bank and that other bank returned those checks because there were not sufficient funds in my account and because those funds came into my account at XXXX when I deposits the check but that other bank returned the check on same day XXXX and on same day XXXX  there are so many funds come in my other bank account but because of another bank my those deposits checks were returned and because of that Wells Fargo closed my account. Every bank charges returned check fees from customer 's accounts but this Wells Fargo bank didn't charge returned check fees from my account they closed my account and committed fraud and they did this because, Wells Fargo breaks federal consumer protection laws that apply to financial products, including auto loans, mortgages, and bank accounts. And Wells Fargo is required to pay more than {$2.00} billion to customers who were harmed, plus a {$1.00} billion fine that goes to the victims relief fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax would rather play games and semantics than to just fix my Identity Theft Problem. I have attached their response to my letter ( also attached ) which includes an Identity Theft Report from the FTC. They need to delete the items right away or face violations under the FCRA. I don't know why I must spend so many countless hours trying to get this company to correct the mistakes on my credit report, which I have clearly shown in the attached. 

cc : XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed that there was an item on my credit report that was being report inaccurately ; as a result, my credit score has been damaged due to the credit agency 's reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

Tonight, I was very disappointed to discover unauthorized inquiries on my credit report, and I dont understand how they got there. I regularly check my credit report, but this time, there were unexplained discrepancies. I tried refreshing my browser, thinking it might be a technical glitch, but nothing changed. Im asking that the documents Ive sent be carefully reviewed to prevent me from having to worry about this anymore.
Product: Debt collection

Armor Systems Corporation sent notice to me on XX/XX/XXXX that a debt for an unpaid ticket issued by the XXXX Police Department had been assigned to them and they were attempting to collect. They did not advise what this debt was about. I had to research the debt with the help of the XXXX Police Department, which revealed that this debt was for a XXXX XXXX XXXX that is owned by an ex-girlfriend. I had completed the paperwork months before this to take my name off this vehicles title and registration. Notice of this debt triggered legal action against my ex to rectify the title and registration issues. My ex confirmed that this was her debt and that she had contacted Armor Systems Corporation to both pay and reassign the debt to her. Meanwhile, onXX/XX/XXXX, I sent a certified letter advising I was formally disputing the debt and requesting a formal response within 15 business days of my letter. Armor Systems Corporation did not respond to this dispute and did not reassign the debt. They sent notification on XX/XX/XXXX that the debt was paid. They have not provided any rectification for the assignment of the debt to me or even a response to my dispute.