23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I filed a complaint they the cfpb with an alleged debt of XXXX XXXX XXXX. The account was closed and removed from my credit report but put back onto my credit report several months later with any formal notice or validation of this alleged debt. I am allowed under the Health Insurance Portability and Accountablity Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is only should be revealed with patients authorization. Therefore, my request is twofold, validation of alleged debt and HIPPA Authorization. Please have company note that withholding the information received from any medical provider in an attempt to be a HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I also would like a reason as to not being notified of this alleged debt being placed back onto my credit reports without and notice after it had been removed after filing a complaint in XX/XX/2018. According to FCRA I should have been notified or contacted, neither was done. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the FCRA. If this information can be obtained I will need the name of the person providing this data and the way that it was provided. If you can not obtain the information requested with the original creditor within the required time frame ( 30 days ) please delete this account from my credit report with all bureaus and that it can not be sold to another collection agency.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union is reporting a negative remark on my credit report. I have mailed a request for a 1099c form to be sent to my home. According to the IRS rules, charge off 's are considered income & can not be reported to the credit bureau. I am requesting this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER FILE FOR THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX SINCE XXXX XXXX, IVE CONTACTED AND NOTIFIED AFFIRM OF FRAUD REGARDING LOAN ID XXXX IN THE AMOUNT OF {$1300.00}. THIS LOAN WAS TAKEN OUT IN MY NAME AND APPROVED WITHOUT AUTHORIZATION. I DISPUTED THE ACCOUNT WITH AFFIRM AND XXXX. IN ADDITION, THE FOLLOWING WERE DONE TO DISPUTE THIS LOAN : FILED A COMPLAINT WITH XXXX FILED AN AFFIRM IDENTITY THEFT VICTIMS COMPLAIN AND AFFADAVIT PROVIDED INFORMATION ON THE PERSON THAT USED MY IDENTITY TO COMMIT FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM WILL NOT RESOLVE THIS ISSUE AND THE ACCOUNT REMAINS ACTIVE AS OF TODAY. FURTHER INVESTIGATION IS NEEDED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. 
THE RESULT OF THIS FRADULENT CHARGE CAUSED ME TO LOSE A JOB OPPORTUNITY AND THIS IS CONSTANTLY AFFECTING MY CAREER AND MY LIFE. DURING FEDERAL BACKGROUND CHECKS, THE DELINQUENT ACCOUNT IS CONTINUOUSLY AN ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting company is in direct violation of U.s. code 1681 EB This law states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Attached below is where XXXX is reporting this as being ok and paid as agreed.
Product: Checking or savings account

On XXXX XXXX,2017 I went to XXXX XXXX XXXX to pay my monthly bill of {$170.00}. Once inside, the man had trouble processing my debit card. On the 3rd try, it finally went thru. I then went to XXXX to buy groceries for supper and my card was declined. Needless to say i was ticked because i knew i had available funds in my account. Then it occurred to me that the monthly fee at the storage facility might have hit my account 3 times.I went home, got online and printed a transaction report which indeed did show that Wells Fargo hit my account 3 times for the {$170.00}, an overcharge of {$340.00}, and a negative balance of {$110.00}. I went back to XXXX XXXX XXXX and explained what had happened. He checked their computer records and it showed that they had only received the one payment. We then got on the phone calling the customer service telephone number on the back of my debit card. After waiting some length of time and repeating my information 3 times, I finally was able to speak to someone in the claims dept. He checked my account and also saw the 2 additional charges of {$170.00} each. He said that he would have it credited to my account in about an hour. Thank you, this happened.
Yesterday I received an email from Wells Fargo that my account had reached a XXXX balance or less. I checked my online statement and they had reversed the credit of {$340.00}, giving me a negative balance of {$290.00}. My online statement only showed the one charge of {$170.00} and a credit of {$340.00}, thus, they reversed the credit. The guy in the claims dept. saw the overcharges in XX/XX/XXXX. If he did n't, why would he give me the credit in the first place.
I called the Wells Fargo customer service line and received the same answer over and over that only one charge of {$170.00} and the credit were shown. That 's not what happened.I was speaking to an argumentative and deaf ear! I then went to the XXXX XXXX XXXX branch of Wells Fargo and spoke with a banker who gave me the same answer. It did n't matter that I showed her the transaction report that she never looked at lying on her desk. Another deaf ear. I guess she was n't too concerned since it was n't her money.I am on Social Security and this {$340.00} is 1/3 of my monthly income. I guess " Customer Service '' is truly dead. Computers are only as good as the people who use them and the software they are using. Mistakes happen and this is one of them! It may not have posted on your end, but it sure posted and deducted on my end! I have never had to deal with an issue like this in the many years I have been with Wells Fargo/Wachovia and treated with such indifference. Maybe time for a change!
Product: Credit reporting

On XXXX/XXXX/15 I was charged with a high balance of {$1900.00} From XXXX XXXX XXXX XXXX, which was last reported on XXXX/XXXX/15. And on XXXX/XXXX/15 I was charged with a high balance of {$840.00} from XXXX, which was last reported on XXXX/XXXX/15. I 've never been affiliated with either creditor. These do not belong to me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a complaint regarding an issue with [ Name of Creditor/Lender ], who failed to notify me about the past-due status of my account. This failure has caused financial stress and potential harm to my credit score. 

Details of the Issue : Account Information : Account holder name : XXXX XXXX Summary of Events : On XX/XX/year>, I discovered that my account was marked past due. 
At no point prior to this discovery did I receive a notification, email, phone call, or written correspondence from the creditor informing me of the missed payment or the past-due status. 
Impact : The lack of notification has caused a negative mark on your credit report. 
Had I been notified promptly, I would have been able to take action to resolve the matter in a timely fashion. 
What Ive Done to Resolve the Issue : I contacted XXXX XXXX  on XX/XX/year> to address this issue and was informed that it was my responsibility to track payments, regardless of their failure to notify me. Despite this, I believe that the creditor has an obligation under federal regulations, such as the Fair Debt Collection Practices Act ( FDCPA ) or other relevant consumer protection laws, to provide reasonable notice of a past-due status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

In XXXX, we had an insurance claim on our home and when the insurance company ( XXXX  XXXX XXXX ) settled we found that bank they placed was the incorrect mortgage holder, so as we had to enter Ch XXXX bankruptcy due to fraud paperwork, signatures and embezzlement, we were forced to put the supposed bank that was sending the proof of claims to the trustee and our lawyer which was XXXX Investors. But we then were forced to send the check in good faith in late XXXX to a bank called Shellpoint, which we understood doing the debt for XXXX, so that we could have the bank sign off so that we could repair our home and get the other part of the claim money as well. The total claim was for around XXXX, but we only received like XXXX, until work was completed. In late XXXX we filed a demand order to ask why check had not been returned, and in XX/XX/XXXX, had a hearing in Bankruptcy Court and judge demanded check be found and send to us ASAP. The bank then asked for the rights to have check reissued again through the court system and the judge granted and this was done about a week after hearing in XXXX. To date we have yet to see that check and for the most part, Shellpoint has frauded the paperwork that was entered into a foreclosure complaint in early XXXX. We would really like the check forwarded to us as they were asked in XXXX and would be nice if they would forward original mortgage in which they say we are a part of, because those signatures on that so called mortgage is not our signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

I have contacted the original creditor and also the collection company that it was sold to. I have asked for verification of debt but no one has sent any correspondence. I have disputed the information many times but they refuse to acknowledge the dispute. I continue to place fraud alerts onto my credit but for some reason the information is still being released and over looked.
Product: Checking or savings account

OnXX/XX/2024 I reached out to Webster Bank. I spoke with the Branch manager and requested a copy of my 1099int for filing my taxes. XXXX XXXX, Director Banking Center ManagerNMLS # : XXXX Webster Bank | XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX XXXX dlouellette @ XXXX. I was surprised at how little the interest was. XXXX dollars for the year on a {$30000.00} balance. I proceeded to ask why it was so low and was informed that they locked in a rate of .001 % on my accounts. There were XXXX different accounts, XXXX money markets, savings, checking. I asked why the money markets and others were locked in when a money market was supposed to change with the market. I was informed that I had to ask if I wanted the interest rate to change. however if I opened a new account it would be higher and other people 's accounts have changed and they even would negotiate higher interest rates to be competitive. I was also told there was some sort of changeover that I was not told about and if I had come in the rate would have changed. They were not willing to talk or do anything about compensating me after being a client for XXXX years. I can not believe this type of behavior would be within the spirit of the law governing the finance banking world. If you can help to rectify this problem it wouold be greatly appreciated.Thank you in advance.
Product: Credit card or prepaid card

PNC Bank Credit Card ending in XXXX indicate unauthorized activity Date Amount Merchant Name XX/XX/27 XXXX XXXX XXXX XXXX XXXX XX/XX/27 XXXXXXXX XXXX XXXX XXXX  I have not yet received my pnc credit card since the i apply for this account, i have request a replacement card already. and the new replacement card also have been taken by somebody and was able to attempt activities and make transactions on my card. 
i was not able to get myself protected and reset my account security purposes. and login in or reset my online banking.
Product: Credit reporting

Transunion has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit collections report for XXXX XXXX and the State of Texas shows the company committed licensing fraud on my account and the State gave me the option to return the vehicle, so I did the credit report you refused to fix after sending proof of the information so XXXX XXXX shows it as a repossession and its a lie I proved it and Transunion refused to let me dispute the matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I sent my dispute letters and uploaded proof of Address. I need all negative accounts remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting a complaint regarding an unresolved credit reporting issue with Equifax. I initially sent a dispute letter requesting an original signed consumer contract for a specific account on XX/XX/XXXX, but I did not receive the requested documentation. Additionally, the account was not removed from my credit report as a result of this dispute. As a follow-up, I sent a second dispute letter on XX/XX/XXXX, including my FTC report XXXX but the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/23 payment of XXXX was sent for half of payment to receive two XXXX XXXX  tickets to a user. Upon sending I tried to go back and click not btwn friends but it was too late. I contacted Venmo immediately to cancel the transaction. After more digging I noticed the user set up fraudulent fake accounts to send money back and forth to seem like it was legit with the same emojis like pizza or gas. 
Venmo would not stop the transaction and said they would get back to me in 5-7 business days. 

This scammer will continue to hit more innocent people and the account/s have not been shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX