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

On XXXX of XXXX Experian verified and an validated this account XXXX XXXX XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Experian had more than enough time to validate this which they failed to do so on more than two occasions violating my consumer rights I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of account from my consumer report XXXX XXXX, XXXX already removed this account due to the following inaccuracies, date of last payment states XX/XX/XXXX but payment status says payed after that XXXX states that the last payment was XX/XX/XXXX both are inaccurate this account was charged off but still has a limit, usage. All which is inaccurately still reporting after reinvestigation, which Im providing proof of. I have attached copies of the Federal Trade Commissions Identity Theft Affidavit, and I have also filed a formal complaint with the Federal Trade Commission ( FTC ). The complaint reference number is [ Complaint Reference Number ]. Additionally, I have reported this identity theft to the XXXX XXXX POLICE DEPT and I have obtained a police report number, for the case. According to applicable consumer laws and the FCRA, I demand the prompt deletion of these fraudulent items from my credit report. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. Furthermore, I am exercising my right under the FCRA to request a free updated copy of my credit report. Please ensure that this updated report reflects the removal of the fraudulent accounts. Any charges for this report should be waived in accordance with the law. Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past six months. This will help prevent any further dissemination of erroneous information. Please be advised that, unless you can provide verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.
Product: Debt collection

this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. XXXX XXXXXXXX XXXX  was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Product: Credit card

My account has fraudulent charges. See attached spreadsheet for details. AAA Visa had a problem with the address confirmation and wasn't sending out alerts as I signed up for ( detail of them confirming this is also attached ). When I received a text from AAA Visa to confirm a charge I didn't recognize it and reported it as fraudulent on XX/XX/year>. I then logged onto my account and saw a total of 7 fraudulent charges which I also reported on the sme day. AAA Visa assured me that the charges would be reversed in 24 to 72 business days. They have not been reversed. I keep calling back and talking to a fraud specialist who tells me the same thing. Today I called again and the fraud agent told me that the earlier agents hadn't processed the reversals correctly. The company keeps giving me excuses as to why they aren't reversing the fraudulent charges. The company makes a promise that consumers will not be liable for fraudulent charges ( proof of which is also attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED A BANKRUPCTY WITH EXPERIAN ON XX/XX/XXXX THEY SAID THE RECEIVED MY LETTER DISPUTING MY CLAIM BUT DID NOT RECEIVED MY PROOF OF DOCUMENTS STATING THE THE BANKRUPCTY COURTS TO NOT REPORT TO THE CREDIT AGENCIES AS CONVERSATION WITH A LADY NAME XXXX SO I SENT THE LETTER AGAIN ONXX/XX/XXXX AND EXPERIAN GOT MY LETTER MT SECOND LETTER ON XX/XX/XXXX THAT THE COURTS DO NOT REPORT INFORMATION TO THE CREDIT AGENCIES SO AS IN THE THE FAIR CREDIT ACT THAT THIS HAS TO VERIFIED THREW THE COURTS AND IN THAT CASE THE NO ONE FROM THE COURTS WILL RELEASE THAT INFORMATION TO CREDIT REPORTING AGENCIES THIS IS A THIRD PART WHERE THEY GETTING THIS INFORMATION .ATTACHED ARE MY PROOF FROM THE BANKRUPCTY COURTS SIGNED BT THE COURT CLERK STATING THAT DO NOT REPORT TO CREDIT AGENCIES PERIOD
Product: Credit reporting or other personal consumer reports

I only recently learned of a negative item on my credit report due to Colorado 's Consumer Credit Reporting Act. Only one agency has notified me in compliance with the law and that is XXXX. I have heard nothing from XXXX nor TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Credit card

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with Wells Fargo Card Services in the amount of {$6300.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( Wells Fargo Card Services ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, please refrain from reporting this debt to credit bureaus during this verification process. 

I appreciate your prompt attention to this matter.
Product: Checking or savings account

So basically my ATM card was stolen and there was an attempt to deposit a check into my account. Upon this transaction, they also withdrew {$100.00}, which is unbelievable because there was only {$.00} in the account. As soon as I seen this I instantly locked the card and my account was quickly frozen. I called KeyBank and the fraud department because I was expecting to receive my paycheck that Friday. Because of the {$100.00} withdrawal, my account was charged fees because it was overdrawn making it {$110.00} in the negative. Once my check posted, that negative balance was applied to it so now Im out {$110.00} out of my paycheck. I just need help and answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called theXXXX and Experian after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the XXXX and Experian last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file.
Product: Debt collection

I am writing to dispute and report an inaccurate charge-off entry on my credit report concerning an account ( XXXX ). This charge-off is reported without a corresponding Form 1099-C, which contradicts the Fair Credit Reporting Act ( FCRA ) guidelines and IRS regulations regarding debt forgiveness. According to the IRS, a 1099-C form must be issued when a debt is canceled or forgiven, which should be reported as taxable income. However, a 1099-c form has not provided, indicating the debt remains collectible. If the bank has claimed a tax deduction for this charge-off without issuing a 1099-C, it must be corrected to reflect accurate reporting. Furthermore, XXXX XXXX XXXX has sold the debt to a third party ( Transworld Systems Inc ) which there is no written agreements signed by me authorizing this action. I demand that this account ( XXXX ) be removed immediately as my rights have been violated under the FDCPA.
Product: Mortgage

Thank you CFPB! I finally received the documents of the transactions that I have requested from my mom 's mortgage company - Ocwen Financial Services since my last complaint through the help of CFPB case # XXXX. I am seeing a lot of charges for Attorney Fees and other charges. I would like a detailed written account of each transaction of the fees assessed to help me understand why my mom was charged over XXXX charges in fees, XXXX charges in attorney fees and XXXX certified mail charges during the life of the loan with them. Some of those charges occurred multiple times during the same date. I would like the date of the charge and an explanation of how it was assessed. I would like to receive this information within a week 's time. Thank you.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 EXP REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello All, Experian Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX
Product: Credit card

On XX/XX/year> I made two online payments to capitol one. One for {$180.00} and one for {$25.00}. 

Before payments my available credit was {$390.00} and my balance was {$630.00}. After i made the online payment of {$180.00} and {$25.00}. Capitol one increased my available credit of {$550.00} I just paid {$200.00} and capitol one has not adjusted my Balance to reflect {$200.00} from {$630.00}, although the gave me available credit of {$550.00}, which makes it appear that I still owe {$630.00}
Product: Debt collection

This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate National Credit Adjusters XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect usury interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department XXXX or the CFPBThanksXXXXXXXX XXXX Ca. 








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

My XXXX account went into collections and DCM services picked up the account. They also stated that upon completion of final payment they would do a tradeline deletion. On XX/XX/21 with XXXX  credit bureau was reported as a derogatory condition..they also should be held accountable for advertising a service that can not be done.
Product: Checking or savings account

Bank of America would not recognize my retiree status for the purpose of facilitating the free checking account offered in the Personal Schedule of Fees online for my Advantage Tiered Checking Account. I maintain that the waiver of monthly maintenance fee is a banking fee schedule, not a pension benefit. 

The Personal Schedule of Fees defines Employees and Retirees that are eligible for the waiver of the monthly maintenance fee as " retirees with at least 10 years of vesting service, and age plus years of vesting service equal to at least 60 ''. 

Facts : I have 24 years vested service. I am XXXX years old. My pension is from Bank of AmericaXXXX which has the Bank of America name on our benefit website, on my direct deposits and on the pension booklet they sent me. I left employment at age XXXX plus 24 years vested service is greater than XXXX. 

Bank of America acquired my banking deposits and credit accounts, our local ATMs and branches, and my vested pension obligation. The acquisition of XXXX Bank and the related subsidiaries gave Bank of America the opportunity to create new pricing, close branches and ATMs and set lending rates, certificate of deposit rates as they saw necessary. They put their name on it all, so I don't believe the Personal Schedule of Fees should be applied differently to retirees with the Bank of America - XXXX versus other Bank of America pensions. It is a banking fee schedule, not a pension plan. 

They declined my request because I was not age XXXX when I left employ of XXXX XXXX XXXX XXXX  and that I was not in their employ in XXXX when they began providing waiver of fees to retirees of B of A. I became subject to every change they ever made to the Personal Schedule of Fees, so I want the retiree status they advertise. I've worked through my local branch office XX/XX/XXXX, XXXX XXXX XXXX, Employee Relations and B of A 's impossible phone routing robot system for two full months. Tickets were opened and closed due to inability to find records and are still being denied. 

I want the regulators to know how Fee Schedules are not applied for retirees benefit. I'm out hours of my life chasing this and over {$6000.00} of banking fees they expect me to just concede and pay in the future. I closed my accounts on XXXX XXXX, XXXX.
Product: Mortgage

I have previously filed a complaint no. XXXXMr Cooper responded to us via us mail.But again their explanation was full of inaccuracies and false information.They haven't updated their system with any current information and instead are using information provided by them by the previous lender. 
The person in charge of the escrow review is not responding to voice mails.Her name is XXXX XXXX XXXXShe 's the one that responded to the complaint using fraudulent numbers from previous lender. 
My husband and I spoke to an escrow supervisor on XX/XX/19 and we asked him to escalated our issues to upper management.We haven't heard from anyone. 
I feel that MR. cooper is committing mortgage fraud and are using misleading information to collect additional escrow without gathering the precise numbers.They are using insurance and taxes amount due for my property that aren't right.Furthermore they are lying to me as well regarding where they are getting these numbers. 
Perhaps they do not understand that mortgage fraud is a crime. 
I can not understand why the CFPB allows these companies to commit fraud and get away with it. Ii advice them that either resolve this matter correctly or I will contact my local FBI office and escalate the issue.After all mortgage fraud is a federal crime.Maybe your office can escalate this matter to them as well since Mr.Cooper is not been straightforward with my problem.
Product: Credit reporting or other personal consumer reports

I have requested a validation that the debt is tied to me. XXXXXXXX XXXX has yet to provide thta. They continue to state they have but the document that is provided is not validating the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX Called Equifax, spoke to gentleman named XXXX, told him " current address '' of XXXX XXXX XXXX .... is the ONLY correct address for me for the last XXXX years. He told me he processed the removal of the 5 previous addresses that were listed for me and gave me a confirmation number. 
Today is XXXX/XXXX/XXXX and I am still getting notices from them XXXX several repeated mailings ) that they still reference the invalid previous residences as my prior current addresses. 
Again, the only valid address for me since XXXX, is XXXX XXXX XXXX ... ... 
I am so ... .. frustrated with them as I have filed other disputes with them as well as a prior filing with your agency for problems with getting things straight with them. 
Right now, my credit report with them looks okay except for those invalid/incorrect addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Kindly remove this erroneous account from my records.
Product: Debt collection

I demand the permanent deletion of this account since at no time have I signed contracts with them
Product: Credit reporting or other personal consumer reports

Per the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974 XXXX and the Department of Education are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any furthering reporting of this information per 15 U.S. Code 6802 and 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ). I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information to XXXX, Experian, and XXXX without my written consent.