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

Good day, This is XXXX XXXX XXXX, I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has never been verified as an account that belongs to me. Attached is a debt verification letter.
Product: Checking or savings account

Several overdraft charges occurring by delayed payment processing and pending transactions. Available balance is inaccurate which then creates overdraft of account. Dates between XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : XXXX XXXX XXXXXXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all 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. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX  XXXX which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Product: Debt collection

Portfolio Recovery Associates was sent a certified letter on XXXX XXXX. I requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. XXXX XXXX XXXX failed to provide the above-mentioned item and just sent a letter stating they own the debt. I informed them if they could not provide the requested documentation of all parties involved I want the item removed from the credit report IMMEDIATELY. To this date they have not complied. 

Portfolio Recovery Associates : XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2020, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The company is Wells Fargo Bank. When I applied for a loan through the bank Wells Fargo sent me a denial that I received that my income, my money came to me from a public service or source and I might not have the capacity to lock into a loan contract. This is discrimination. I receive social security XXXX that is not a gratitude but, an insurance policy that was paid for and earned by me, and my work credits were earned by me. I want this challenge! In New Jersey, there is a case law that my Social Security XXXX insurance is not public assistance. It's not XXXX and I'm not mentally ill and I am requesting a public apology or I plan on bringing suit. This is the reason i was denied a loan and they should be ashamed to say such a thing and use that against me when it is not true. XXXX, Thank you for your help
Product: Mortgage

bethpage bank took XXXX unauthorized mortgage payments for my checking account from another bank. they took a payment on XX/XX/XXXX which was authorized by me then on XX/XX/XXXX they took another payment unauthorized by me then today XX/XX/XXXX they took another unauthorized payment.
Product: Debt collection

I am filing this complaint against SPECIALIZED LOAN SERVICING ( SLS ). This loan has not been paid since XX/XX/XXXX. I hold the warranty deed to this property that the 2nd mortgage is on. It was said to be {$37000.00}. and it had ballooned to {$86000.00}. undisclosed until we went to sell property. I called the third party, the name on the loan, to ask for her to authorize myself and my attorney to speak to this. She provided this information and now they call her daily and ask her when this is going to be paid. my attorney has called and written a letter to SLS asking for an offer in compromise and they will not grant that. The statute of limitation is 6 years in Colorado and it has been 9 years. This loan is on a property in a third party name. I purchased the property while in a Foreclosure Training program that induced me to buy this property as a fix and flip. XXXX XXXX XXXX XXXX, XXXX XXXX, was the seller of the warranty deed. Mr. XXXX took this property fraudulently in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others were sued by the Colorado 's Attorney General in XX/XX/XXXX. 

The Attorney General 's report is listed as ASSURANCE OF DISCONTINUANCE UNDER C.R.S. 6-1-110 ( 2 ) Ms. XXXX XXXX XXXX, Reg. No.XXXX  Senior Assistant Attorney General. Her phone number is XXXX. I will include the letter my attorney sent to Specialized Loan Servicing.
Product: Checking or savings account

I just recently filed a dispute with BB & T and they denied my claim saying that I wasnt able to get my money back to my card and I really couldnt understand why because none of the charges on my account were Authorized at all, All of the transaction was made online and my card was compromised I didnt open any accounts with the merchants or used my card at all, I am not sure the exact amount of my dispute and exactly how much I am suppose to get back but I do have the claim number for that specific dispute and it is : XXXX I do the that the amount is a bit over {$700.00}, Its not right that someone took my hard earned money and I am not able to get it back, they attempted to reopen the dispute but Im not sure what is going on, its just a lot of money I lost and need to get. Back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting

I filed bankruptcy in XXXX 2015 it was discharged XXXX 2015 there are a few student loan account that shows closed per XXXX still showing open via Equifax due to the recent bankruptcy service thru XXXX. I have contact the company on several occasions was told that they are not able to provide account information due to the recent bankruptcy and that I will need to contact the credit bureau with the issue. I have filed several disputes with Equifax also stating that the information is being reporting accurately. I am requesting that the information for the accounts be reflected the same as XXXX.
Product: Credit reporting or other personal consumer reports

After a thorough investigation of my credit report I found that My personal information is incorrect. My name should read XXXX XXXX my address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. U.S. Privacy Act of 1974 The Privacy Act of 1974 establishes rules for collecting, maintaining, using, and disseminating personal information by all federal agencies. Individuals have the right to know what information is being collected, how that data is being utilized, and the ability to request corrections.
Product: Credit card or prepaid card

My card number ending with XXXX was lost and someone used the card they withdrew XXXX from account I let the company know about this I have open 2 disputes regarding this and no resolution is was denied The date was XX/XX/XXXX the  merchant says XXXX XXXX XXXX the amount was XXXX and XXXX Also there was others withdrawal on XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX now I contacted the merchant and they told me that they couldn't send out a card too my address and they still are denying the claim
Product: Student loan

Called on XX/XX/23 to change my payment plan from the standard plan to a graduated repayment plan. Call was cut off after a few minutes of talking to the agent. 

Called again and waited in queue. XXXX confirmed that my plan had been switched over and that I would see this updated on the website and by mail within 10 days. 

It has now been 16 days ( 11 business days ) and nothing has changed. I have tried calling twice and left a call back number after joining the queue. Both times the call connected then quickly got cut off. The live chat on your website has not been working for weeks. It is pointless trying to send an email as you claim that it will take 4-5 business days just for a response. 

Interest has started accruing on my loans, yet I can not even get in contact with anyone to get my issue resolved.
Product: Money transfer, virtual currency, or money service

Firstly, on XXXX, I paid for a month of XXXX XXXX  from XXXX via PayPal. 
Secondly, on XXXX, I received a new chargeback bill from PayPal and immediately logged on to the shopping site to check and found that I had signed an automatic chargeback agreement without my knowledge. 
Thirdly, I signed an automatic chargeback agreement with full knowledge. My intention was to purchase only one month of agency services and I was unaware of signing up for the automatic debit service. However, PayPal violated my rights by automatically debiting me without confirming the billing agreement sent by the merchant. 
Fourthly, the billing agreement with the merchant automatically opened the renewal service without my knowledge, without providing a clear button to click to confirm, and opened by default, violating my right to choose. 
Fourthly, the billing agreement with the merchant automatically activated the renewal service without my knowledge, without providing a clear clickable confirmation button, and by default, in violation of my right to choose ; PayPal is obliged to review such fraudulent practices and assist consumers in recovering their losses by providing collection services to merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is medical )
Product: Credit reporting or other personal consumer reports

Dear Early Warning Services, I recently applied for a bank account and was denied. I suspect that Early Warning Services may have inaccurate or fraudulent information in my consumer file that led to this denial. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to request a copy of my consumer file and dispute any inaccurate or unauthorized records. 
Request for Consumer Disclosure Pursuant to 15 U.S.C. 1681g, I formally request a complete copy of my consumer report maintained by Early Warning Services. Please include all information you have on file regarding my banking history, inquiries, and any reported incidents. 

Dispute of Fraudulent or Inaccurate Information If there are any negative records associated with my name, I request an immediate investigation and removal of any fraudulent or inaccurate data. As a victim of potential identity theft, I demand strict compliance with 15 U.S.C. 1681i, which requires consumer reporting agencies to correct inaccurate information promptly. 
Required Action Provide me with a full copy of my Early Warning Services consumer report. 
Identify the specific reasons why I was denied a bank account. 
Remove any fraudulent, inaccurate, or outdated information. 
Confirm the corrections in writing within 30 days, as required by law. 
Failure to comply with my request may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and legal action. Please respond in writing to the address listed above.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX  from a Used XXXX dealership. Had the car for 4 plus years it had several recalls doing me and XXXX time with vehicle. When I was fed up with repairs We tried to trade it in. We couldn't because the car XXXX stated that from title that the car was totaled, the frame. I called Capital One and explained, that I was returning the vehicle back. After returning the vehicle Capital One then Sold at XXXX. Then said I own still XXXX on the Vehicle. Which was way over XXXX XXXX  when purched plus XXXX intrust for over 4 years. Hired XXXX XXXX to dispute it and payed them a whole year and nothing happened. And it's still there hurting my score. Call XXXX XXXX they wanted more money. Called Capital One they said make a deal for less or take us to XXXX. Please help XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : General Revenue Corp