23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ] Reason : [ 7 POTENTIALLY NEGATIVE MONTHS NEED DELETED & ACCOUNT ASAP PLEASE. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

This company, and XXXX XXXX XXXX XXXX agreed to remove a debt from my credit file and then turned around and sued me illegally your records will show this as they agreed on XXXX XX/XX/2021 to resolve the matter and they illegally used XXXX XXXX XXXX to file a lawsuit in the state of Illinois and XXXX XXXX. 

I do not live in the state in which they filed the bogus and illegal lawsuit I reside in another state and Im a registered voter of another state with a valid drivers license and home address in another state, I was not served with a lawsui in the state of Illinois because I do not reside in Illinois I have.not lived in Illinois for 6 years and I have proof that I live in another State and there is no way possible to serve any type of lawsuit on me because I do not reside in that state and never will live there. This illegal practices and lawsuit has caused an alarm at the property and they are responsible for the sheriff and a debt processor to disturb the neighborhood by looking for me and I do not live at that address the neighbors are terrified that people are showing up all through the day and night trying to serve a lawsuit on an address that I do not reside. This is calculus and ignorant at best.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is running a scheme to divert people from the federally-regulated freeze program to its Lock and Alert program in a coercive manner. As I'm sure you know, to participate in Lock and Alert, the consumer has to agree to arbitration for all Equifax services and agree that Equifax can use the consumer 's  information for marketing purposes. Neither is required for federally regulated freezes. 

I am trying to refinance and have freezes with all three agencies. Lifting the freezes with XXXX  and XXXX  was easy. Not so with Equifax. When I tried online, I was directed to Lock and Alert.  I could not find a way to unfreeze online. I called Equifax and went through all the prompts, only to be told I had to mail a letter ( no  email or fax option ) containing copies of my DL and SS card in order to unfreeze my account. I spoke to a representative and was told that from date of mailing to receipt of confirmation the account was unfrozen would take up to two weeks. I was told the mail process was necessary to protect my personal information. I asked to speak with a supervisor but was placed on hold for a long period of time. I gave up. 

I then gave in and signed up for Lock and Alert. My credit was immediately unlocked without any concern about protecting my personal information. That is, if a consumer wants to continue using the federally-regulated freeze process, Equifax is requiring the use of mail and up to two weeks of delay. If a consumer wants to immediately unfreeze their credit, they must agree to Lock and Alert, agree to arbitration and agree that Equifax can use his/her data for marketing purposes. 

This is a coercive scheme to evade federal regulation, extract an arbitration agreement and obtain access to consumer data for marketing purposes. The coercion is extreme, as consumers are often seeking to unfreeze data quickly. Some, like me, are trying to lock in an interest rate and waiting up to two weeks can be detrimental. Consumers are often trying to unfreeze their credit while sitting in a car dealership ; their only choice is to opt out of the freeze program and into the Lock and Alert program. Worse yet, small businesses operating as sole proprietorships are trying to access CARES money. They have no realistic option other than acquiescing to Equifax 's scheme to access their data for marketing purposes and obtain a waiver to a lawsuit and a jury trial. Moreover, Equifax touts Lock and Alert as beneficial to the consumer, so most consumers don't know that they have agreed to arbitration and the use of their data for marketing purposes. 

Equifax 's scheme is deceitful, devious and dishonest. I urge the CPFB to bring an enforcement action barring this scheme, imposing a punitive fine and rescinding the arbitration agreements and rescinding the access to marketing data.
Product: Checking or savings account

On or about XX/XX/2024, I had an appointment with Chase Bank at XXXX branch in XXXX, NY. I went to the appointment with an associate who accompanied me to handle the same small business request. My appointment was regarding putting in an application for a no doc small business loan as Chase is listed on the SBA website that assists small business with obtaining funding. However, when we went to the branch, we met with XXXX XXXX who stated that he does not work with business customers. He then brought over one of his associates who stated that he was the " Business Financial Specialist ''. He asked what we were looking to do and we explained that we wanted to apply for the no doc loan for our respective businesses. He then went on to explain that it was a " very long process '' and we needed a long list of documents. The tone of the explanation was very discouraging so much so that my associate said, " Are you trying to scare us off from applying? '' He then said no but that he wanted to let us know how long the process was. We then stated that we didn't care how long the process was and just wanted to submit the application and let the underwriters make the decision on what else may or may not be needed. He then stated that he has been in the business for a number of years and he knew what the underwriters wanted. We then said let him know that his tenor and demeanor was very discouraging and that we just wanted the paperwork to proceed to which he replied that he had never actually done this process himself but he would call his branch manager to see what was needed. We waited 30 minutes and he still had not returned. XXXX did his best to make small talk during the wait. We decided to leave because it was blatantly apparent that we were being discriminated against. We watched and heard two other customers who were XXXX XXXX come in, be serviced by other Chase employees and be offered other business banking products which they completed online. There was no lengthy mention of " long processes '' or " a lot of paperwork '' required BEFORE they applied. 
As we departed the bank, the man who introduced himself as " Business Financial Specialist '' was in the corridor on his cell phone. He turned around and asked if we were leaving and we said yes. He then said that he was on the phone with his Branch Manager and was getting all of the information from him. He then asked if we could give him 5 more minutes, but by this point, we were already waiting for close to an hour. We then said ok, we only have 5 literal minutes and asked if he had any paperwork for us. He then said he would get everything together and give us a call the next day. To date, we have not heard anything back from him or anyone else at Chase Bank. This experience was a blatant violation of EEOC.
Product: Debt collection

CBC Credit has been contacting me at work. My supervisor has previously told this agency that I am not to receive personal calls at work. They have continued to call until today when I gave them my card information to setup a recurring payment rather than paying off a total account at once as I have been doing. It was stated that I will receive another call towards XX/XX/XXXX when I should receive my taxes so that I can pay it off with them. This company has been told twice now not to call me at work, yet still does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Mortgage

In XX/XX/XXXX I agreed to forfeit my Wells Fargo XXXX XXXX 'exit draw ' of XXXX. 
At this point I was about 3 months behind on my mortgage. 

After two failed attempts at requesting a Loan Modification directly through WellsFargo I proceeded ( XX/XX/XXXX ) to use XXXX to submit a request for Loan Modification. 

On XX/XX/XXXX, WellsFargo applied my XXXX exit draw check directly to Principal Balance. Yet my past due ( now at 7 months ) kept my home in Foreclosure status. 

On XX/XX/XXXX, Wells Fargo accessed XXXX in additional Attorney fees to my Mortgage. That is 1 week after accepting my XXXX. 

I am unable to get a Justified Recast, for Wells Fargo states I have a past due. Without acknowledging the recent payment of XXXX ( applied to principle only ). 

Wells Fargo is denying a Recast/Loan Modification of my Primary Residence.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows XXXX late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, XXXX, and Equifax ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and XXXX report {$1400.00}, while Equifax incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 
ACCOUNT : XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE LAST PAYMENT. BALANCE, PAST DUE. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Credit reporting or other personal consumer reports

Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit card or prepaid card

I contacted Chase on 2 occassions by phone, requesting them not to send me any more 0 % Balance Transfer offers and checks by mail. They said they would stop and 2 weeks later, they send me some more junk mail. This company wont stop inspite of emails and phone calls to them to stop.
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 XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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

XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS BANK AMERICA CREDITCARD. see XXXX  attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from BANK AMERICA HARRASSERS XXXX XXXX XXXX XXXX. BANK AMERICA COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT BANK AMERICA confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS BANK AMERICA REPORTING INCORRECT INFORMATION TO XXXX? WHY ISN'T XXXX  RESOLVING?
Product: Credit reporting, credit repair services, or other personal consumer reports

On one of my many visits to the hospital for a XXXX the staff wrote in that i was injured on the job causing my insurance to back out and not pay. I had to fill out all kinds of reports deal with harassment and unprofessional behavior for months while doing thier jobs because no one at this hospital seems to know how to do thiers and furthermore would rather check a box indicating a work injury making thier job easier and destroying my credit. I talked to my insurance got the file number after several days of cat and mouse since i work very hard finally reached XXXX XXXX and gave them the information so they would stop harassing me for thier mistake.
Product: Debt collection

Ive reached out to Credence Resource Management LLC multiple times through letters & by phone, between XX/XX/XXXX & now. Ive requested a validation of debt contract along with proof of wet signature, I also disputed on transition on XX/XX/XXXX. On my credit report its states that there is an open collection account with a balance of XXXX which is a violation. If its charged off as bad debt & already sold there shouldnt be an open balance/accout. Another thing I noticed is they are illegally re-aging the account & changing the amount of said debt. Once again Ive never had a contract with this debt collector for any debt & Ive asked from the original creditor to provide proof that this debt collector has the legal authority to collect it. Otherwise please remove it from my credit. Its been 5 months with no response therefore it should be deleted based on that alone.
Product: Credit reporting or other personal consumer reports

Experian reported me late on XX/XX/year> and the payment was made on time that's in accurate information In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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: Vehicle loan or lease

In XXXX I went into a Navy Federal Credit Union branch in The XXXX XXXX area and filed for a refinance for a XXXX XXXX XXXX that I purchased through them. I was told on the phone earlier in the month that I could do that by one of their agents. I was out of work and had been since XX/XX/XXXX and was starting to fall behind in payments. I was told this as a temporary solution to my financial problem. We went back and forth for a couple of weeks and then they decided to grant the refinance. They told me that I could n't get the refinance unless I give up the insurance that I had on my loan. Since that time I noticed that they are charging me {$29.00} assessment fees and increase Balance adjustments fees also {$29.00} during the month. This is not helping when it comes to paying off an account no matter what kind. We have discussed fees many times and I am tired of talking to them about this and need help. I am a long time customer and been with them for many years without incurring any problems until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consum
er reporting agency can not furnish a account without my written instructions Thank you very much