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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account : Waypoint Amount : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to the credit bureaus to remove dispute messages off my report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Bank of the West is sending offers to consumers and honoring them. After opening two accounts with XXXX they are refusing to honor their offer. I first contacted them by phone on XX/XX/2022 and was told by customer support they couldn't help me and I should visit a branch. After visiting a branch the same day I got the same answer. At that point I opened a XXXX complaint. After two months of Bank of the West has yet to contact me even after sending them multiple messages via XXXX and visit a branch for a second time. They keep saying the same lies over and over again.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX  ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Debt was completed by wage garnishment in XX/XX/2023. Agency put a Levy on my bank account XX/XX/2023 for the paid debt, causing me great financial hardship for my monthly bills that are Electronically withdrawn. 
I contacted the Agency and they blamed the error on the Sheriff 's Office. To date I have not received my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting to the XXXX XXXX  old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to Citibank that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since XXXX. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither connected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts as Experians inaction violates federal law and rights as a consumer.
Product: Mortgage

The mortgage servicing company, NewRez Mortgage Servicing, has raised their fees at an alarming rate which must be countered and made illegal. Any fee change should not apply to existing customers as it can be impossible for some to switch mortgage servicing companies. Here is a link to the off with the changes they've made also attached to this posting. 
https : //www.newrez.com/media/XXXX/newrez-fee-schedule-notice-XXXX.pdf I am submitting this complaint on the behalf of all constitutes and customers.
Product: Debt collection

Suit was filed by XXXX and XXXX XX/XX/XXXX, attempted to reach out as the debt from XXXX XXXX XXXX XXXX XXXX was to have been previously paid with resurgent capitol but per LVNV and XXXX and XXXX it was not. Asked for documentation and was sent verifying. Reached out in XXXX of XXXX as I was advised they moved on with suit in court. Judgement was made I was contacted by my bank in XXXX of XXXX about a garnishment on my savings account. A phone call was placed to XXXX and XXXX. Spoke with the first representative who advised in an unprofessional manor that its done and they will take the money no matter what they didnt care. With no negotiation possible. I called back later and spoke with a supervisor named XXXX and she agreed to negotiate the total of {$2200.00} to a new amount of {$1700.00}. I agreed to this, and asked if I would be sent documentation on this and also my bank. She stated that it should be received in a week and all I needed to do was agree to the amount with the bank and release the funds. Waited till XX/XX/XXXX and nothing was sent attempted to call XXXX and XXXX and per the XXXX XXXX XXXX they have not received anything either. Left a voicemail on their box for a call back waited XXXX week. No calls or voicemail, called again and left a second voicemail. Once again no documentation or info let alone a call. My mother passed away and left it alone for a few weeks. Call was made again in the first week of XXXX. No info or calls returned. Was advised by XXXX XXXX XXXX that a order judgement was sent to release the funds to them in the original total with interest, not the agreed upon amount of {$1700.00}. Placed a cal that day which is today XX/XX/XXXX. Once again just a voicemail as no one was available. I believe that they should have been required to hold their word and follow through with the agreement made. And not collect the larger sum, with interest.
Product: Checking or savings account

4 Withdrawals and 1 purchased to the card when I never received the card. After investigating Capital One now denies my claim saying that I have the card. So, basically they emptied my account.
Product: Checking or savings account

This Complaint is against Wells Fargo Bank, and their mismanagement of Customer 's Monies. However, this complaint will focus on one item specifically, which is online access to accounts. It seems as if I have something put in place with Wells Fargo, the identity thieves have enough of my Personal Info., due to a XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pass the Wells Fargo authentication process, and to have it undone. As in the past, the identity thieves had my online access restarted, and my accounts deactivated after I had everything deactivated and disabled. The only way that I can get anything accomplished with Wells Fargo is to file Complaints and put on record. So for the record, to Wells Fargo, DO NOT ALLOW ONLINE ACCESS TO MY ACCOUNTS UNTIL THIS ENTIRE SITUATION IS FULLY RESOLVED!!! PLEASE. So everything must be completed by going into a Wells Fargo branch with my ID, or a lawyer written and validated Power of Attorney.
Product: Credit card or prepaid card

The card me and my fiance stimulus went on was missing when all our stimulus payments went on and I had the card replaced but the stimulus payments were not. I'm just asking for our missing stimulus payments replaced that's it. Because we didn't get our stimulus payments due to the card being stolen or missing. I have given the new card number on this page at the end.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ; XX/XX/2018. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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

To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payment represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Credit card

This is regarding a Chase Bank Credit card. I have a promotional balance on this account and used it for a small purchase in XXXX. I paid more than the purchase amount that month but it seems that the interest bearing balance was not paid first. I also was assessed a fee for late payment so I paid extra that month to cover the fee ... but the same situation applied. It seems like I am being charged interest on a FEE that in my mind, I already paid!!! I feel like these practices are predatory and trick the consumer into sustaining an interest bearing balance for an extended period of time. It seems like I have no way to pay off the interest bearing portion until the non interest bearing amount is paid first. It seems like a trap. Because the assessed late fee was my first and only, due to a simple oversight, and paid promptly once I noticed the payment was late, I request that fee be waived. Thanks. I also hope that Chase bank changes the way they apply payments when a portion of the balance is interest bearing and another portion is not. Payments should go toward and interest bearing portion first.
Product: Credit reporting or other personal consumer reports

Investigation has been pending since XX/XX/year> and still has no resolution nor has tradeline in question been removed from credit report due to lack of debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! 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 Account name XXXX XXXX XXXX XXXX Account Number XXXX Account Name 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 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 ( AX1 ) 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. In this is holding me back in hurting my credit profile from my future of purchasing me a new home
Product: Credit reporting or other personal consumer reports

Yes ... I am disputing an collection account on my consumer report ... that has not verify the debt as belonging to me FCRA 15 us 1681 a ( 2 ) 15 US 1681 B ( A ) 1 2 15 US 6802 XXXX Should not be reporting until it verify the debt, inaccurate information is reporting on my consumer report.
Product: Checking or savings account

I have been getting emails from Chase Bank, I reported it to the FTC and local law enforcement a few months ago. I tried to call the company to change the account information as I used to have an account with Chase Bank years ago but was unable to. The guy who answered the phone just asked for my social security number and my address and took a moment to '' change my phone number '' but there was no hold music and he wasn't being very clear about the process of changing my phone number. I think to intentionally confuse me. This has also happened with XXXX XXXX, another account I no longer have
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( S ) ; XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXS SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX 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
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 EQUIFAX 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 reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. Transunion violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reinserted a XXXX XXXX XXXX account that was previously deleted from my report in XXXX 2016. This account was deleted from all three of my credit reports after it was confirmed that it was not mine and the bureaus completed their investigations. The account number is " XXXX ''. For almost four months, this collection account was not reporting on Experian until I checked my credit again on XX/XX/XXXX. This account is now back on my credit report with the same past due balance. This is not accurate information and I do n't understand why this is happening if it was already deleted. I know my rights under the Fair Credit Reporting Act. One of the consumer protections in the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ) requires the credit bureaus to notify me in writing not later than 5 business days after the reinsertion of an account. I did not see any such notice from Experian addressing this matter.