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

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. would like to convey to your attention that other credit bureaus have already corrected these accounts on their end.

Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies,
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor 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 Balance : {$18000.00} 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

XXXX, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the 1099-C received from XXXX, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with XXXX, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.
Product: Checking or savings account

A check for the amount of {$23000.00} was mailed to our local school tax office ( XXXX School District ) via USPS in XXXX. After noticing that the check was not deposited, I called the tax office to confirm they had received it, and they said they had not. That same day, an unknown individual cashed the check I had mailed to them, washed the PAYEE name ( originallly XXXX School District ) and replaced it with " XXXX XXXX XXXX XXXX XXXX and cashed it for themselves, apparently ( according to Wells Fargo XXXX at a XXXX bank location. 

I immediately filed a dispute claim ( XXXX ) with Wells Fargo ( on XX/XX/23 ), and was told that it would be resolved and my funds returned within 10 business days. On XXXX, I went to our local Wells Fargo bank location to inquire about filing a police report for the incident ( which I did ). The banker I spoke with reviewed all of the evidence I had, and let me know that there would not be any issue confirming that this was a fraudulent transaction. She added all of the notes and evidence to the claim, and provided me a number to call to check in on the status. She also informed me that she had another customer provide evidence of an incicident of check fraud with the exact same behavior and handwriting the very same day I was there. The police officer who took my report mentioned that there were 3 similar bank fraud police reports submitted in the previous 24 hours as well. 

I called Wells Fargo multiple times to request an update but was told that I needed to wait 10 business days for a resolution. When I called to check in on the claim status on XX/XX/23, I was informed that my original claim was closed, but a new claim ( # XXXX ) was open opened with their fraud investigation team on XX/XX/23 ( without any notification to me ). I was told that the original promise of resolving the issue within 10 business days was now reset when they opened a new claim. The rep I spoke with offered to " escalate '' the claim to ensure it was resolved in 24-38 hours. 

After waiting 5 days, without any funds refunded to my account, I called the Wells Fargo Fraud hotline tonight ( XX/XX/23 ), and was a told that the new claim ( # XXXX ) was resolved and " Denied ''. They claimed the issue was with XXXX, the bank that accepted and cashed the check, not Wells Fargo that dispursed the funds. 

I will supposedly have a call from their escalation team within the next 1-2 business days to discuss the reasoning for this matter, but I have little hope at this point that this will be resolved without legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To : To Whom it May Concern Consumer Financial Protection Bureau Subject : Requesting an update to my credit report In XX/XX/XXXX, my home loan with XXXXShellpoint Mortgage Company went into an 18-month forbearance. That forbearance ended on XX/XX/XXXX. In order to be proactive, I contacted my point of contact ( POC ) on XX/XX/XXXX as instructed to begin the deferral process. The POC submitted my request and I waited for a response. Waiting for a response took longer than we anticipated ; however the deferral was granted on XX/XX/XXXX. The problem for me began when I checked my credit score on XX/XX/XXXX and saw a SIGNIFICANT drop ( roughly XXXX points ) due to a payment being reported missed/30-59 days late. 

I spoke with a representative on XX/XX/XXXX and she stated that I missed a payment ( {$1200.00} ) in XX/XX/XXXX. I tried to explain my forbearance/deferral situation to no avail. After getting off the phone in frustration, I continued my investigation and remembered that due to the forbearance ending in XXXX, I made a payment in XXXX thinking that would keep me current. I spoke with another representative on XX/XX/XXXX between XXXX and XXXX and she advised me that my XXXX payment was applied to my XX/XX/XXXX statement instead of XX/XX/XXXX, leaving XXXX unpaid. The representative stated it was the delay in the approval of the deferment that caused this and suggested I write a complaint letter to open an investigation in order to have this corrected. 

My credit score and history is EXTREMLEY important to me and it was my belief that the forbearance/deferral process would not negatively affect my credit. I would like to request an update to my credit report due to the delay in my deferral process. Thank you for you attention to this matter.
Product: Debt collection

In XX/XX/XXXX, I visited a physician and underwent testing at XXXX XXXX ( SC ) in XXXX, IL. Subsequently, I received an EOB which stated that the initial claim was denied. I did not hear back from SC until XX/XX/XXXX, after which I received multiple bills in varying amounts until XX/XX/XXXX. I expected that the sum would be picked up by my insurance company as I did not hear back from SC. 
Much to my dismay, when I was applying for credit in XX/XX/XXXX, I was informed that I had 6 adverse remarks on my credit score. 

Apparently, in the previous 6 months, my bills were transferred to Pro Com Services of Illinois ( XXXX XXXX XXXX, XXXX, IL XXXX ). When I contacted the agency, I was informed that these remarks were placed after multiple attempts to contact me. I informed them that I had never heard from Pro Com ( in writing or over the phone ). I immediately paid the amount owed. However, till date, Pro Com has not undertaken any actions to correct these adverse marks that should have never have been placed in the first place. 

I am deeply distressed by these developments. As a law abiding person, I have never been late on a single payment under any circumstance. I am disturbed by the actions of XXXX XXXX and Pro Com. I believe that the actions of ProCom represent predatory practices and must be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

AWA Collections is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, XXXX XXXX. AWA Collections does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting is inaccurate and false. They are reporting to XXXX that the debt is {$2700.00} while XXXX is reported as {$2700.00}. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are in violation of multiple federal laws.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$54000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$1100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 card or prepaid card

Today I applied for a reapproval for Affirm and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not affirm this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX AND XXXX XXXX  WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THIS ACCOUNT.
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 's 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 XXXX XXXX XXXXXX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A, state 's I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnished an account without my written instruction. 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 and crimes which antedates the report by 7 year 's. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion & XXXX stated my account was properly Investigation but how is that possible if the open date is Inaccurate, the date last active is Inaccurate, and the date last reported is not accurate? This is ground for removal they also violated my rights under 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. Below are the names of the original creditors, along with account numbers and a list of various violations. DEPEDXXXX Account # XXXX Violation 1 : Date Opened : ( TransUnion ) XX/XX/XXXX Date Opened : ( XXXX ) XX/XX/XXXX Violation 2 High Credit Limit : ( Trans Union ) {$1500.00} High Credit Limit : ( XXXX ) {$1100.00} Violation 3 : Date Last Reported:XX/XX/XXXX ( TransUnion ) Date XXXX Reported:XX/XX/XXXX ( XXXX ) Violation 4 : Date Last Active : ( Trans Union ) XXXX Date Last Active : ( XXXX ) XX/XX/XXXX DEPENDXX/XX/XXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX XXXX XXXX ) Violation 2 : Date Last Active : XX/XX/XXXX ( TransUnion ) Date Last Active : XX/XX/XXXX DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation XXXX : Date Last Active XXXX XX/XX/XXXX ( TransUnion ) Date Last Active : XX/XX/XXXX ( XXXX ) DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 2 : Date Last Active : XX/XX/XXXX ( TransUnion ) Date Last Active : XX/XX/XXXX ( XXXX ) DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 2 : Date Last Active : XX/XX/XXXX XXXX TransUnion ) Date Last Active : XX/XX/XXXX ( XXXX ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 2 : Date Last Active : XX/XX/XXXX ( TransUnion ) Date Last Active : XX/XX/XXXX US DEPT ED Account # XXXX Violation 1 : Account Status XXXX Indeterminate ( TransUnion ) Account Status : Closed ( XXXX ) Violation 2 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 3 : Date Last Active : XX/XX/XXXX ( TransUnion XXXX Date Last Active : XX/XX/XXXX ( XXXX ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported XXXX XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active XXXX XX/XX/XXXX ( TransUnion ) Date Last Active : XX/XX/XXXX ( XXXX ) Violation 3 : Payment Status : Collection ( TransUnion ) Payment Status : 120 Days Late ( XXXX ) US DEPT ED Account # XXXX Violation 1 : Payment Status XXXX Collection ( TransUnion ) Payment Status : Collection ( XXXX ) Violation 2 : Date Last Reported : XX/XX/XXXX ( TransUnion ) Date Last Reported : XX/XX/XXXX ( XXXX ) Violation 3 : Date Last Active : XX/XX/XXXX ( TransUnion ) Date Last Active : XX/XX/XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by Trans Union under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed XXXX multiple times that the entries below are erroneous and fraudulent. 
Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} ; Open : XX/XX/XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. 
Failure to comply with the FCRA and other applicable laws may result in legal action, as seen in cases such as XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ). Additionally, I reserve the right to report Trans Unions non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) ; Attorney General of North Carolina.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify is accurate : XXXX Acct # XXXX