23daVinci/CFPB_Complaints huggingface dataset:
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.

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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: Student loan

My spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.
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 u.s.c. 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  ) .. 15 u.s.c 1681 section 602A. 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...

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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Mortgage

Received a statement on XX/XX/year> that indicated a zero-dollar balance at that time. Looked at the account yesterday online and it showed I need to back pay for the last 2 months. Also, will have another payment coming up end of next week. I do not believe this is a fair billing practice under The Tennessee Consumer Protection Act. I have generously sent in a payment already but would like a review of my account and the recent statements sent. It is unjust to send a statement that shows XXXX dollar minimum due XX/XX/year>. Then look online to see I owe XXXX immediately along with an addition payment next week of XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : FIN AACCTS SV Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XXXX for the following item XXXXXXXX XXXX XXXXXXXX The item have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. 

XXXX XXXX XXXX Why is the high balance lower than the balance on this collection? Its impossible and needs to be removed!, You have the wrong open date 2 how can it have to open dates on each bureau?, this account has the wrong balance XXXX shows {$5700.00}, and Experian shows {$5900.00} how can this be?, monthly payment reported on closed account, section 609 states that you're required to send me the paperwork associated with this account. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> - Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with XXXX and it shows a balance of {$2200.00}. Transunion claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several issues with Equifax for quite sometime now. Several of the issues have been investigated, completed and resolved. Each and every time when I filed my dispute, I specifically requested that Equifax must send me an updated report. I have been asking this, via telephone and mail, many times to Equifax to send me all pages of my updated credit file for my information, verification and records. They have not yet send me a full file copy of Equifax credit report since the completion of my last Equifax dispute and investigation request. I NEED HARD COPY OF MY CURRENT Equifax CREDIT FILE. Equifax must send me copy of my full credit report. Equifax should immediately send me all pages of my full Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : NAVY FCU balance {$0.00} 30days late NAVY FCU balance {$3100.00} 60 days late account reporting CLOSED Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX ) listed as a collection with a past due balance of {$870.00} as of XX/XX/year>. 
Dear XXXX XXXX, I, XXXX XXXX, the Original Creditor and a Natural Man, hereby rescind my consent to be liable to perform on the contract agreement entered with XXXX XXXX on. This notice is made in full accordance with the provisions of 15 U.S. Code 1635 ( b ) regarding my right to rescind the contract. 

Upon reviewing the terms and conditions of the contract, I found that I was not given full disclosure of my right to rescind, and there was a lack of transparency regarding the nature of the consumer credit application as stipulated by 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This leads me to believe that XXXX XXXX knowingly and willingly took advantage of my consumer credit. 

Please be advised that I am not canceling or terminating the contract. However, I am deducting my liability to pay on behalf of the obligor as I have discovered several violations and acts of fraud. Therefore, under 15 U.S. Code 1635 ( b ), I am not liable for any finance charge, and any security interest related to this contract becomes void immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was going to get furniture on a rent to own basis from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ). I was unable to take delivery of the furniture as it was too big. I never owed them any money but they had already sent information to Experian. XXXX months later I discovered this when I tried to obtain credit elsewhere. I submitted a a paper dispute with Experian and the response I got was that the reporting business said it was reporting correctly. I then called XXXX XXXX XXXX directly. An investigation was started and I was ensured that it would be corrected as it was definitely incorrect. When I obtained a copy of my report in XXXX of XXXX, the account from XXXX XXXX XXXX XXXXXXXX was still showing on my Experian report. XXXX XXXX XXXX started reporting {$1900.00} in XX/XX/XXXX. My Experian report shows " Exceptional '' payment history since XXXX however, since I didn't owe anything and no payments have been made, {$1900.00} balance remains unchanged ( rather ironic to have exceptional payment history on an account that doesn't/should n't exist ). I called Experian on XX/XX/XXXX and opened another dispute for the same blatantly incorrect information. Less than XXXX hours later I get an automated email that says that the information on my report is reporting correctly per the company. So I called yet again on XX/XX/XXXX. Stated all the above information yet again, adding that I get automated responses indicating the information on my report is reporting correctly. I told the agent that someone needs to contact XXXX XXXX XXXX directly and talk to a human as that obviously wasn't done when I called on the XXXX. I said I don't not want to get another automated response. She assured me that it wouldn't happen this time because she put everything I told her in the dispute and assured me it would be corrected and removed from my report. So now, at XXXX am, less than XXXX hours after the dispute was opened, I get yet another automated response saying that the has indicated that the information is reporting correctly. I keep going around and around. The {$1900.00} has been reporting incorrectly for XXXX years now. it is hurting my credit it the longer it is on my report. I'm working hard to correct my score and it's hard enough with having almost XXXX that I don't know reporting as debt. I will be trying to purchasing a house in the 3 months, I need this off my credit report ASAP. I must have some recourse here. XXXX XXXX XXXX and Experian are in violation of the fair credit reporting act? Can they get away with the detrimental effects it's having on my credit for XXXX  years. Please Please help me
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Checking or savings account

I am a customer of Wells Fargo for 37 years and even so, I was treated with disdain in this matter. 

On XXXX XXXX, I received an email from Wells Fargo about a {$5000.00}. deposit to my checking account. It stated that I needed to confirm my identity; ( My cellphone number, and my email address were verified later. ) I did so with a Wells Fargo call-taker, who then told me that the restriction of the deposit was removed. On XX/XX/XXXX I checked my online account to see if the deposit was OK. It was not. I called Wells Fargo and talked to a female call-taker. She looked into the matter and said that the restriction was not removed, and that she was removing it. I again checked my account while she was on the phone with me and told her it was not removed. She then told me that the deposit was cancelled. 

I was lied to twice : once on XX/XX/XXXX and again on XX/XX/XXXX. 

Currently I have a payment of {$570.00}. due to Wells Fargo for a home equity loan, which we have had for 25 years. XXXX  taxes are also due in the amount of {$1100.00}. The two amounts total more than my Social Security check deposit. Without the {$5000.00}. deposit I will not be able to make those payments. 

Your input into this matter is greatly appreciated. If you provide me with your email address, I will forward a copy of the email which I received from Wells Fargo on the XXXX of XXXX. 

I thank you for your looking into this matter. XXXX XXXX
Product: Debt collection

XX/XX/XXXX : I called ERC to pay a supposed debt of {$220.00} with XXXX XXXX XXXX, XXXX. An amount of {$230.00} is shown as paid and cleared on my credit card statement as of XX/XX/XXXX. 

Fast forward 2+ years : I receive a collection letter out of the blue dated XX/XX/XXXX for the exact same debt I paid in XXXX. I find this very suspicious. I called an ERC representative, XXXX XXXX, at XXXX PST on XX/XX/XXXX and she confirmed that the amount was indeed paid, but then told me that particular office is closed and that I should call back and speak with someone on Tuesday. I find it very strange that the office would be open ( until XXXX EST on Saturdays, according to the letter ) but still can't resolve an issue for which they are clearly in the wrong. Regardless, I am filing a report for receiving a threatening debt collection letter for something I do not owe. This is illegal.
Product: Debt collection

Beginning of XX/XX/XXXX, I am receiving calls from XXXX, XXXX, XXXX numbers along with numerous other numbers. By XX/XX/XXXX, a call is placed to my spouse phone claiming they are FAM and that I gave them his reference number. They do not specify who they are or anything of that nature. By XX/XX/XXXX, I call them back around XXXX PST and I am speaking to an unprofessional, rude, and ignorant agent of FAMS. He goes off telling me he is representing XXXX and they want to settle for a certain amount, asked if I had it, and went off asking how I make my living. There was no discussion that they sent a notification or anything. Or that I am able to go online with account number to check out any notification from them. Then, I am asked for my banking information and told they will be deducting {$250.00} for 4 months and the interest will stop. From all of this, I am not sure who these people are because I never received any written information and will not be giving any information over the phone. After that conversation, I asked if I can start in XX/XX/XXXX. The rude boy gets upset and say well I just have to. Let XXXX know you are not able to do it. The approach was very rude and in a attacking matter where no options were given. After the conversation with this rude individual, I receive 3 more calls with the numbers listed above. I need to see written information and options for me to believe this is what is going on. Being rude and ignorant will not help these people get a reaction or settlement from anyone. To make it worse, there was no notification what so ever. This can be a company out of a basement collecting from individuals. Nothing else was explained. The harassment continues with them on the daily with 4 or 5 calls a day.
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Product: Credit card

PNC Bank and XXXX bank ( XXXX of which I have credit cards for ) are saying that I am responsible for XXXX dollars total value of charges and I know for sure I did not make them. No matter how hard I try to dispute and file for fraud, they are not doing anything. I need your help to get rid of these charges so that I am not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused sever XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

Earlier this year, I received an email informing me that my current Today card would no longer be usable after XX/XX/year>, and that I would be receiving a new card in the mail. However, I never received the new card because the company had an old address on file. I also filed a claim for fraudulent charges made in XXXX, which I did not recognize. I was confused about how charges were being made on the account when I was told it would not be usable after XXXX. 

After providing my new address to customer service, I was assured that my address had been updated and that I would soon receive my new card. However, I still did not receive it. When I called again, I was informed that my address was still listed under the old one. I was instructed to update my address by sending proof of residency to XXXX, which I did. Despite this, I have yet to receive the card or any statements related to my account. 

In XXXX, I paid off the account balance based on the information available on their web portal. During this period, I was also told by a customer service representative that I wouldnt be able to make any payments until these issues were resolved. I expressed concern about the possibility of a late payment being reported on my credit, and she informed me that I would need to dispute it if it occurred. However, this turned out to be incorrect, as I was able to make a payment toward my account, which I did. 

Now, my credit report shows a late payment of 30 days or more for annual fees and interest. I still have not received my new card and have had no access to my account statements to be aware of any fees due. I believed the card had been fully paid off. I have not received any statements, either physically or digitally, and despite trying to access them online, the website will not load them. 

Up until these address issues and the lack of access to my card and statements, I had never been late on this account. This situation began after the card change in XXXX, and I am requesting that this late payment be removed from my credit report. I have contacted customer service multiple times, yet still have not received my card. Despite this, I was charged an annual fee, which led to the drop in my credit score XXXX XXXX XXXX I would appreciate your assistance in resolving this matter. I don't have a card so I don't know my account number, but today when I called them they told me to reference the number XXXX. The last 4 digits of the account number I made my last payment to is XXXX.
Product: Credit card or prepaid card

The institution put a maximum credit limit on my account based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to limit my spending ability negatively impacts my financial credit worthiness.
Product: Student loan

I applied for the XXXX with Navient and it was approved XX/XX/XXXX and then they made my payment due the very next day XX/XX/XXXX. They didn't even give a chance to check my email before they made me past due in the amount of XXXX. On top of that my previous XXXX plan was not due to be renewed till XX/XX/XXXX so I lost a month of paying XXXX dollars to being past due and late. The only option I was given when I called customer service was to put the XXXX bill in to forbarence. This seem wrong they should of given me time to prepare for this payment not just XXXX hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT IS INACCURATE REPORT IN MY CREDIT AND SHALL DELETE. 
ACCOUNT NUMBER : XXXX WITH A BALNACE OF {$27000.00} SHALL DELETE FROM MY CREDIT REPORT DUE TO FRAUD AND INACCURATE. 
THIS ACCOUNT IS CHARGED OFF AND I REQUEST THE WIT DOCUMENTS SIGNATURE AND WHY COLLECTIONS KEEP CALLING ME. 
THIS ACCOUNT SHALL DELETE FROM CREDIT REPORT.
Product: Checking or savings account

I received an offer in the mail to open a checking account at Citizens Bank here in XXXX, Delaware. I went to the XXXX XXXX location and a gentleman by the man of XXXX ( last name ) opened the account. I was told that I would receive {$300.00} for switching my direct deposit to this bank. I went in on several occassions and even took my complaint to the Branch Manager where Mr. XXXX works. The Manager called me with some ridiculous response that if will be 90 days etc. I had been patient with this bank and felt I was getting the run around. So after being fed up I went in and terminated the relationship. The bank has been robo calling me that I owe them money! I can't believe that an credible institution which I thought Citizens Bank were would succumb to this level of dishonesty. I'm asking that I be given the {$300.00} promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot refused to remove or reverse their action of closing the unused account.