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

I submitted my identity packet to the credit agency in regards to inaccurate information being reported on my consumer report, the agency did not provide any written consent of 100 % burden of proof nor have they removed the negative items from my credit file. I provided my Name, Date of Birth, Driver license and SS Card as proof of identity and the information is still showing on my credit to date. I am including again that information and I believe the credit agency is using a stall tactic as they have not provided me with what I requestd. I have not signed any SSA-89 form given my written consent and is requesting these items are removed from my consumer report within 4 days.
Product: Credit reporting or other personal consumer reports

In regard to items, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. XXXX, XXXX, and Trans Union are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title.

15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A states 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 e states 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. XXXX and XXXX are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

Thank you,
Product: Credit reporting or other personal consumer reports

The report reflects a late payment and charge-off status on this account, which I believe is inaccurately reported. Specifically, the payment in question occurred during the XXXX pandemic period and should have been addressed under the protections of the CARES Act, which requires creditors to offer accommodations and accurately report accounts during the national emergency declared for XXXX. 

Additionally, I believe this account information is not being reported in compliance with : XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to credit reporting agencies. 

XXXX. Truth in Lending Act ( TILA ) : Creditors must ensure clear and accurate reporting of account activity, including agreements made during special accommodations or hardships.
Product: Checking or savings account

Filing a new complaint because Chase closed my previous complaint without a response ( I made 6 phone calls to their Executive Offices which were not returned : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX of 2019 ). 
In XX/XX/XXXX2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF  statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB. 
This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for XXXX and XXXX, and XXXX for Equifax, as well as several errors in dates and comments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to XXXX but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the account.
Product: Vehicle loan or lease

I have a Toyota Financial car loan. Upon purchase, I set up automatic payments through TFS. Without informing me, TFS stopped the automatic payments. TFS does not send me paper statements even though I have called repeatedly and asked for them to be delivered. I can not access the online account even though I have called repeatedly about this issue. When TFS stopped my automatic payments, I was unaware that this had happened. TFS did call several times, but they did not leave a message. They just hung up. Because of the hang ups, I assumed that this was a scam call. They finally sent a statement for XX/XX/2020 when they had not taken out three payments. TFS charged me late fees and reported nonpayment to the credit bureaus. I did not stop payment ; they did. This is their error. If you read other complaints to XXXX  and CFPB, this is a commonplace complaint against TFS. The resolution I request is updating my credit report and refund of late payment fees. Please note : I have also filed a complaint with the XXXX. This has not resulted in a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bank loan being held up for the last 2 months due to a {$160.00} charge off about 18 months ago that showed up on Equifax report. I contacted Equifax and requested a print out of the item in question and when I received it 2 weeks later ( told it had to come by mail ), it had no more info than what I already knew which was that some commercial card vendor wrote off {$160.00}. I called back and was then told I had to fax a form in requesting who the vendor was. I did that and was told that I would get an email response within a few days. That was on XXXX and I still have not received a response. I called just now and after 15 minutes on hold I was passed to two different departments and then was told that I would have to call again tomorrow since it was now XXXX and the person I was speaking to could not get me the vendor info. This has been extremely frustrating and very poor service all along, and I still don't have a resolution.
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 RE : Method Of Verification Request Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can not be provided within 30 business days, I demand the late payments be removed from my report.

I am keeping careful records of our communications in case I must file a complaint to se relief an
d monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail.

36 Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX ( additional dates/ accounts numbers /tracking numbers are attached below ) I sent letters to the creditors and credit reporting agency regarding inaccurate and uknown items on my consumer report. To this day over 30 days later I have not received a response. I feel like Im being ignored an taken advantage of my dispute, Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete immediately these items off my consumer report. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15USC 1681b- 15USC e ( b ) - 15USC 1681a-2 ( A ) ( i ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, after full examination of my Consumer Report, showing inaccurate information. According to the XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information accurately to the best of their abilities. I have paid Debt Collector Caine Weiner in full and they responded with letter verifying it would be removed all of my Consumer Report immediately upon review it is negatively impacting Consumer Report, and reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section XXXX A states I have the right to privacy 15 U.S.C. 16815-2 ( A ) ( XXXX ) 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 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.
Product: Debt collection

I was contacted by a XXXX  party debt collector named TrueAccord Corp. in reference to an alleged debt of {$420.00} owed to XXXX. I have not had any business with XXXX or TrueAccord Corp . 

I have not benefited from the services of either company. I understand that XXXX likely sold an erroneous debt to this collection agency but I am making XXXX and all parties involved that I wish to not be contacted by this agency and that this alleged debt is not mine. Further collection attempts for this erroneous debt will result in me seeking compensation through litigation means.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- Speedy Cash Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$3300.00} - DATE OPENED XXXX Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX XXXX XXXX BALANCE {$9100.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX BALANCE {$0.00} - DATE OPENED- XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo continues billing me a $ XXXX Monthly Service Fee, even though I am meeting the obligations to avoid being billed this fee each month. The terms of the account state I can avoid the fee through a linked mortgage or an average balance of {$7500.00} on a line of credit, checking account, etc. They are only considering my Average Daily Balance on my checking account in qualifying the fee waiver, not my credit card average daily balance that far exceeds the {$7500.00} requirement. I called them previously and they credited two months of fees and said theyd look into it, only to bill me again on XXXX. I want the fee waived and to make sure they stop doing this. Their history lends itself to taking advantage of their customers with fees, so Im sure other consumers have been harmed by this issue, too.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unlawful practice that is currently taking place with Experian, one of the major credit reporting agencies. Despite clear consumer protections under federal law, Experian continues to report a medical bill on my credit report, which is not only unjust but also illegal. This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ), both of which safeguard consumers like me from the unlawful inclusion of medical debts on credit reports.

First and foremost, the FCRA explicitly protects consumers from the harmful inclusion of medical debts on credit reports unless certain conditions are met. Specifically, under Section 605 ( a ) ( 6 ) of the FCRA, medical debt can not appear on a credit report unless the debt is more than 180 days old. Furthermore, HIPAA mandates that all personal health information, including medical debt, must be kept confidential and can not be used for credit reporting purposes. 

Experians blatant disregard for these fundamental laws is deeply concerning and unacceptable. I demand immediate action be taken to remove the unlawful medical account from my credit report. It is outrageous that a credit bureau, entrusted with sensitive financial data, would fail to adhere to consumer protection laws and jeopardize my financial standing.
Product: Checking or savings account

I woke up this morning, XX/XX/year>, with an email saying my two XXXX checking accounts will be closed for " potential fraud '', but I've done nothing but buy crypto using XXXX. 

I contacted customer service 2 times, and spoke with XXXX different representatives and they didn't tell me why I was restricted and said that my accounts would be closed in around 7-10 business days. 

My problem is that not only can I not access the cash I have, but I also get direct deposits from my job there ( one coming tomorrow ). I was told I wouldn't be able to access it until they send me a cashier 's check, which I was told would take 2 weeks AFTER the account closes. So in other words, my money is being delayed for a month when I have bills and cards to pay. Such a delay can ruin the credit score I've been working on since last Christmas because they want to play with their rules, completely ignoring the customer and their issues. 

Additionally, I have a refund transaction from XXXX coming in that I do not know I'll get because the bank said I won't be able to receive any payments. I'm so confused and disappointed in my money being delayed. 

Ideally, I'd like for the funds to be transferred to another bank account, or even my credit card account I have with Chase ( which wasn't restricted ) Please help me, I'm a student with already a lot of debt, working a minimum wage job. To keep my money from me is a crime and XXXX doesn't care.