23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXXXXXX 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: Mortgage

XXXX XXXX XXXX sold our mortgage to Residential Credit Solutions based in XXXX XXXX, Texas, after a 5 year fight in court under Bankruptcy. A modification was done and accepted. The terms and payment schedule was set and agreed to by all. RCS, is coming back now and charging us for what they called un-applied funds which are 2 months of regular payments. I 've submitted documentation showing all payments have been done per the terms. They are threatening us with acceleration to foreclose our mortgage. And they 're not accepting our regular payment. I think they 're practicing unfair business practices since we 're XXXX. We want to work with RCS and resolve this issue and for them to stop the threatening letters. By not accepting our regular payment, I believe they 're forcing us to be even more delinquent by adding more penalties and reporting us being more than 60 days late. Which in my opinion is totally false! ... We need desperate help!
Product: Credit card or prepaid card

Citi Bank failed to comply with the XXXX notice period mandated by the 15 USC ( United States Code ). According to your statement, you provided Citi Bank with evidence of fraud, including a police report and an affidavit from the Federal Trade Commission ( FTC ) regarding identity theft. However, instead of addressing the issue promptly, Citi Bank claimed to have sold the disputed debt. 

This argument focuses on the legal obligations that Citi Bank had under the 15 USC. By receiving the notice and evidence of fraud, Citi Bank should have taken immediate action to investigate and resolve the issue. Instead, they allegedly sold the debt, which contradicts the FTC guidelines that state disputed debt should not be sold.

Therefore, this argument suggests that Citi Bank 's actions were in violation of the 30-day notice period as well as the guidelines set by the FTC. It highlights the bank 's failure to comply with legal requirements and resolve the fraudulent activity, thus raising concerns about their accountability and commitment to addressing customer concerns.
Product: Checking or savings account

Three times I have had an account get opened iny name with Wells Fargo without my knowledge. 

In XXXX I did commit fraud in my military Wells Fargo account so I was band from having an account with them ever again. 

But in XXXX I seen it on my credit report and went there and got my check book. 
Shortly after that they closed the account on me and I have checks get returned and I didn't know. XXXX they did it again and I had a debit card under them I didn't know about. Also found out I had someone else cashingy check into there account and Wells Fargo let them. Also I was paid for a pencil portrait with a check and deposited into my account when I wasn't supposed to have one. The immediately called cops because I was paid with a stolen check i didn't cash it. I told cashier I was on my way to court which I was the cops destinede and I lost out on thousands of dollars because my bond was pulled. 

Also XXXX they allowed XXXX rent checks to be signal line out person initials written above it and put into automated ATM and they made them available next morning. XXXX rents checks.totaling XXXX dollars. My ex and her cousin withdrew the money next morning. I was charged felony for it. It was also my military Wells Fargo account
Product: Debt collection

I recently checked my  XXXX  Credit Report  &  found a collection account owned by  Berks Credit &  Collections. It is a medical debt in the amount of {$130.00} that was placed for collection on  XXXX   XXXX . The original Creditor on the account is  XXXX   XXXX   XXXX   XXXX . I disputed the collection account through  XXXX  in  XXXX    XXXX  . The reason for the dispute was because I do not have a contract wit h Berks Credit & Collections, wri tten verbal or otherwise & had no knowledge of the account. Within a week of me initiating the disput e, Berks Credit & Collections may  have Duplicated the same account & added it to my  XXXX  Credit Report as a new account which dropped m y credit score  by  XXXX  points.  I Believe that Berks Credit & Collection  assigned the " new account '' a different account number. The original Creditor on both accounts is  XXXX   XXXX   XXXX   XXXX . Both Accounts show the exact same open date  XXXX   XXXX  & the exact same balance of {$130.00} yet each account has a different account number. I believe that duplicating an account & adding it to my Credit Report as a new collection after 4 years & 8 months violates FDCPA. Furthermore, under new law consumers are required to have  a 180 w aiting period before having medical debt placed on their credit report. The new account which I believe is a duplicate was placed on my credit report in  XXXX    XXXX  . Even though the account is 4 years & 8 months old & I was never notified about the alleged debt before it was recently added as a " new  Collection. '' I & Berks Credi  t &  Collections both reside in the State of Pennsylvania. According t o 42 PA. CS. 5525 ( A ) The Statue  of limitations on written contracts, oral contracts promissory notes and open end accounts including medical debt is 4 yea rs. Berks Credit & Collections  did not pursue any legal action regarding the alleged debt within the 4 year time frame which now makes the alleged debt legally unenforceable ( Especially since I never had any form of contract with them to begin with )
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Georgia They do not provide any information to the credit report equifax has violinity my rights
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and 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 collections account opened at account SEQUIUM ASSET SOLUTIONS , LLC on XX/XX/year> with a balance of {$1100.00} that appears related to the aforementioned personal loan account at unknown, a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$7000.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at FAIR COLLECTIONS AND OUT on XX/XX/year> with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX at XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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 or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 NUMBER : 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Credit card

While shopping at XXXX the worker loading my cart failed to place a item that I purchased ( toilet paper ) in the amount of {$19.00}. I left the store without the item. TD Bank failed to do a proper investigation into this matter. The investigation was rushed and one sided and the reason behind there decision was " Due to the fact that this is a merchant dispute we recommend resolving the matter with the merchant. '' By law cedit card companies have to perform a thorough and fair investigation for disputes and TD Bank failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to XXXX identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. XXXX and Experian continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.
Product: Mortgage

I applied to get a loan with XXXX XXXX XXXX at the beginning of the summer XXXX She requested I give to her a picture of my id and a picture of my social security card. She also recommended that I get a new credit card because when I applied my credit did not show on their system. 

XXXX does not have a license. She hasn't worked for a bank in over a year and yet she is still doing business under her cousins name : XXXX XXXX who is an LOA at uhm. I do not understand why she asked me for my id and my social security card. Thats not how people usually apply for a loan. Her husband XXXX is also a realtor. she is abusing her power, and her husbands license to not only work with clients but abuse their personal information. I am scared they will steal my identity. 

I am only one person. You should really see how many loans does she do for XXXX speaking people who do not know better like myself. I feel like she keeps working on this because of greed.
Product: Credit card

I had a gym membership that I pay {$XXXX} per month for. It is called XXXX XXXX XXXX. To cancel membership they require you to give notice in person and on their form in hard copy, presumably to make it as difficult as possible and ensure you can not produce evidence of cancelled membership. My credit card company, XXXX, has refused to refund my money and didn't mention stop payment was an option ( hadn't heard of it before ). The credit card company says because i can not product evidence they have to keep paying in perpetuity ( unless you are aware stop payment is a thing and use that exact phrase AND are specific that it apply to all future transactions specific to the vendor in question ). I am out over XXXX XXXX dollars for a service i didn't use and followed the required contract terms to cancel. I can't not pay my credit card or I will get interest and credit rating damage so am the victim of predatory practices in my opinion. It's not enough money to hire an attorney though so these guys will keep doing it unless someone steps in and stops them.
Product: Money transfer, virtual currency, or money service

From XXXX through XXXX I was charged several overdraft fees from navy federal after I had already paid the charges from putting my account in the penalty. I was going through a tough time financially those years which my account stayed in the negative relatively often. It was to the point that I would wait for when I needed extra money that I would overdraft the exact max amount from the atm to avoid the fees from navy federal but was still charged up to XXXX and XXXX over draft fees after. I no longer have the account but I have a long list of emails from those dates showing overdraft fees ( some were correct ) charged to me that werent warranted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts associated with my complaint are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I fell victim to a multi-layered scam operation run by an XXXX XXXX who wanted to learn more about American culture ( XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Product: Checking or savings account

A rental company fortunately charge my card for over {$5000.00} in which my balance was {$2500.00} limit and I was only supposed to be to charge {$1200.00} and they took everything out of my savings account and deposit of other checks
Product: Credit card or prepaid card

Care Credit account. Duplicate charge {$75.00} XXXX XXXX XXXX
Product: Checking or savings account

My bank said XXXX took XXXX then they Went behind my back and slipped XXXX out of my account. I havent used my card for 2 days prior to this happening. This is how I know they are trying to steal from my pending transfer/deposit.
Product: Student loan

I have been working with Sallie Mae for student loans since I started college. In summer XXXX, before starting at my current school, I renewed my XXXX and applied for loans, assuming repayment would not begin until after graduation, as is standard with student loans. However, in XXXX or XX/XX/XXXX, I began receiving notifications from Sallie Mae regarding amounts due. This was confusing because I already have two other loans with Sallie Mae that are deferred until after graduation. After repeated calls, I discovered that one loan had been set as interest-only, requiring immediate monthly payments. This was not clearly communicated to me during the loan process, and I believe it may have been done in error. Despite multiple attempts by me and my family to resolve the issue, Sallie Mae refused to adjust the loan or provide reasonable alternatives, insisting that the full monthly payment of {$660.00} must be paid. Initially, we attempted to make payments, but the amount owed quickly became overwhelming, increasing from around {$200.00} to over {$600.00} per month. When we expressed that this was not sustainable, Sallie Mae continued to insist on full payments without offering any flexibility. By XX/XX/XXXX, Sallie Mae began calling me and my family multiple times a day, every day. Despite explaining that I am a full-time college student without the means to pay this amount, Sallie Mae XXXX XXXX aggressive calls and refused to offer meaningful assistance. In XX/XX/XXXX, the situation escalated further when Sallie Mae threatened to send the debt to collections, damage my credit for the next seven years, and claimed their time to assist was ending due to unsuccessful attempts to reach me. This has caused significant emotional distress for me and my family. I believe Sallie Maes practices in this matter are predatory, unfair, and disproportionately harmful to families of color who are navigating higher education financing. I respectfully request the CFPB investigate this situation and help facilitate the modification of my interest-only loan to a deferred payment plan or a manageable lower monthly payment until after I graduate, end the daily harassment calls, and provide written documentation of all available repayment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Credit Bureaus are reporting in error.

Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In XXXX I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over five to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies. 
I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''