23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened accounts in my name using my personal information and an old address I havent lived at in years. Cell phone accounts were opened as well. According to these different companies signatures were confirmed not to mine and the years these accounts were opened were opened at I hadnt resided at in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Student loan

Loans with Navient for college, XXXX XXXX XXXX. I was pushed into these forbearances and deferments. I did not understand and it was not made clear high interest rates would still be accruing.
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XXXX XXXX- {$3500.00} Subsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX DeferredXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX Deferred XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- {$1200.00} Subsidized loan Placed in forbearanceXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXXXXXX XXXX -- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate unrecognized credit inquiry fraudulently done.
Product: Credit reporting or other personal consumer reports

Companies are running my credit and leaving a lot of hard inquiries I did not authorize which is fraud.
Product: Debt collection

I am deaf and my wife contacted kohls to speak them because she is also on the account and she explained to them I was deaf and the representative didnt speak very good English and kept saying I was dead after numerous attempts telling him no I was deaf she thought everything was fixed so I went to fill out for a credit card and received a letter in the mail that I was deceased. This is very bad on kohls customer service and needs to be dealt with I was trying to explain to them that I didnt owe this debt but in turn they put that I was dead.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with l, their business address, name, and phone number as well as documentation that process the amount was late. If you can not provide me with this information in 15 days I ask you to update the account or paid or never late and send me a copy of my updated credit report. 

XXXX XXXX 30 days late XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are multiple items that were added to XXXX XXXX XXXX XXXX consumer report that I did not authorize nor consent to. In fact I do not consent to these items being reported on my Consumer report. The items that were added without my authorization are inquires. I will list the inquires below as well as attach photos of the inquires with this complaint XXXX XXXX XXXX  on XX/XX/year> XXXX XXXX VIA DEALER on XX/XX/year> XXXX XXXXL on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> ALL of the above inquires that are being reported on XXXX XXXX XXXX XXXX consumer profile by XXXX, TRANSUNION, and XXXX were not authorized by XXXX XXXX XXXX XXXX XXXX I do NOT consent to these items being added to my consumer report. I demand these items be removed immediately If XXXX XXXX XXXX XXXX claims that he did not authorize the above items the FCRA states that the credit reporting agencies XXXX, TRANSUNION, and XXXX must remove them. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft I am demanding that the unauthorized items be removed from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Discovered three negative remarks on my credit report all three were placed by National Recovery Agency, and the client for each was XXXX XXXX XXXX. 

Each of these are different dates of service. 

I offered to pay one of these bills each month starting with the lowest balance until all balances were paid. National Recovery wanted to combine all three balances and have me pay a third of the total each month. 

I don't offer money I don't have I also believe this would " reset the clock '' on each of these debts. 

I reached out to XXXX XXXX and paid the first balance of {$110.00} it is noteworthy that only one balance exceeds {$500.00} further motivation for National recovery to combine balances. 

I would like the negative remark removed from my credit report before I pay any further money.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED XXXX : XXXX - XX/XX/year> 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XXXXXXXX XXXX  XXXX, I disputed the accuracy of the credit reporting being done by XXXX XXXX onto my credit profile. This request was done directly to XXXX XXXX vi certified mail. On XX/XX/, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three bureaus.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX has violated consumer rights as well federal laws by engaging according 18 U.S. Code 894- Collection of extensions of credit by extortionate means to 15 USC 16 9 2 g detailed list of the payment history in regards to that debt number two l wan na see the original signature that i agree to on the contract of the debt that belongs to the creditor No.3 has there been any insurance claim found on this debt that you claim belongs to me This is a violation of 15 U.S. Code 1681i ( 5 ) remove immediate. 15 USC 6802 15 USC 1681b 18 USC 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Vehicle loan or lease

My first payment was XX/XX/XXXX and sent it XX/XX/XXXX and then XXXX of the month automatically $ XXXX and $ XXXX regular payment and $ XXXX to the principal but the interest is increasing every month and does not decrease I communicate and do not give me a credible reason and still left over 45 minutes waiting on the phone after they hang up on me.
Product: Debt collection

Heights Financial calls 3-5 x 's a day and leave messages 3x 's a day as well. It is harassment to leave 3 messages a day literally minutes apart. XXXX/XXXX/16 Heights Financial called me at XXXX, XXXX, and XXXX ... each time a message was left. That is 3 messages in 30minutes!! That is excessive!! I have phone records and voicemails to prove this has happened multiple times.
Product: Debt collection

In accordance false or misleading representation ParNorth America has deceptive or misleading representation or means in connection with the collection of any debt own Without limiting the general application of the foregoing the following conduct is a volation of this section ( 1 ) false representation or implication that the debt colletor is vouched for bonded by or affiliated with the United States or any State, including the use of any badge, uniform, or facesimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt : or ( B ) any services renderd or compensation which may be lawfully received by any debt collector for collection of a debt therefor im asking to be compensated and Stop the repossession according to section 15 USC 16811 and 15 USC 1681s-2.
Product: Credit card or prepaid card

my XXXX year old used my credit cards without my knowledge or authorization. Spent alot of money. I disputed with HSBC and they sent me a letter back stating they would not credit my account for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account/s below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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: Checking or savings account

I am filing a complaint against Wells Fargo for multiple violations regarding an unauthorized transaction, mishandled claim process, improper overdraft fees, and failure to honor electronic communication preferences. 

Heres a detailed timeline of events : XXXX, a car rental platform, charged my Wells Fargo account an unauthorized amount. 
I contacted XXXX and they acknowledged the error and agreed to issue a refund within XXXX  days. They also recommended I file a dispute with my bank if I wanted a quicker resolution. 
I filed a dispute with Wells Fargo, who issued a provisional credit and emailed me confirmation of the claim status. 
During this time, Wells Fargo improperly charged overdraft fees to my account, despite the fact that I have overdraft protection and the account was restored within XXXX hours. 
Wells Fargo later admitted the overdraft fees were wrong and reversed them. 
After waiting several days, Wells Fargo denied my claim because the merchant also issued a refund. However, they only mailed the denial via regular post and did not send any electronic notification, despite my documented enrollment in electronic correspondence. 
I did not receive the letter in time, and my account is now negative, potentially due to miscommunication or retaliation for the fee reversal. 

Why this is a problem : I believe Wells Fargo is in violation of the following federal laws and regulations : 1. Electronic Fund Transfer Act ( EFTA ) Regulation E 12 CFR 1005.11 ( c ) requires that financial institutions notify consumers of investigation results using the agreed-upon method. Wells Fargo failed to notify me electronically, which delayed my awareness of the denial and caused financial harm.

2. E-SIGN Act ( 15 U.S. Code 7001 ) I opted into electronic communications, and Wells Fargo acknowledged this by emailing me about the provisional credit. Later sending only a physical letter about the denial contradicts the terms of electronic consent and violates the E-SIGN Act.

3. Truth in Savings Act Regulation DD ( 12 CFR 1030 ) Wells Fargo charged me overdraft fees despite active overdraft protection and a quick account restoration. These fees were later reversed, confirming they were unjustified. This may reflect a lack of clear fee disclosure and unauthorized account activity.

XXXX. Dodd-Frank Act Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) The timing and manner of the claim denialafter correcting their overdraft fee errorfeels retaliatory and harmful. It appears to be an attempt to offset the reversed fees by putting my account in a negative status. 
The overall handling of the situation is inconsistent, unfair, and has caused unnecessary financial stress.
Product: Mortgage

I have been working really hard to save my home since my XXXX. Unfortunately I was going through a legal battle with my ex that she did not want to sign the quit claim deed. My investor was ready to give me a plan to save my home but I was helpless. I finally sent the quit claim deed to them and now they are saying that its too late. I don't have a foreclosure sale date and I just want to save my home. I have worked really hard to get where I am now and I would hate to lose my home because of one document that I had no control over.
Product: Debt collection

A debt collection company Transworld systems bought debt from wages military star card and they are charging interest on a debt that was sold to them and that I never signed contract with Transworld but with aafes