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

In Late XX/XX/2018 I contacted XXXX, XXXX and TransUnion and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies. 

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, TransUnion or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
Product: Bank account or service

Wells Fargo opened XXXX+ checking & savings accounts in both my name and my companies name without my permission. They never sent me statements or provided online access to the accounts so I never knew I had them. They also were charging me $ XXXX-XXXX+ per account for not meeting the account balance thresholds. This money was removed from my other accounts without me knowing. At one point a teller told me about it and I tried to close my accounts and XXXX account even had more than {$9000.00} dollars of my money in it. Wells Fargo will not help me resolve this. I 've spent over 50 hours on the phone and in their offices trying to resolve this and they just keep giving me the run around. They have fired everyone associated with it then when I call they just transfer me back and forth and take my statement over and over then never call me back. I have a print out that shows XXXX accounts from that teller that helped me otherwise there would be no proof. Wells Fargo has stolen a lot of money from me. Please help.
Product: Debt collection

I am writing to formally dispute the actions of " Credence Resource Mana Account # XXXX ), which has reported a debt on my credit report without providing me with proper notification or validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). Under Section 809 of the FDCPA, a debt collector is obligated to send a written notice of the debt within five days of their initial contact. However, I have not received any such notice or verification from Credence Resource Mana, yet they have reported this alleged debt to the credit bureaus, causing significant harm to my credit standing. I respectfully request that the CFPB investigate this matter and compel the collection company to remove the inaccurate entry from my credit report immediately and follow the law to collect properly. They reported to the credit Bureau and their phone number is not listed on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Accounts with XXXX XXXX ( account # ending in XXXX Shows a late payment in XXXX of XXXX. Bloomingdales ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

MS SERVICES IS REPORTING INCORRECT INFORMATION... IVE NEVER RECEIVED ANY BILLS FOR THIS OR NOTIFICATION. THIS INFORMATION WAS DELETED FROM MY OTHER CREDIT REPORTS AND I WANT IT REMOVED FROM MY XXXX REPORT!!! IVE TRIED SEVERAL TIMES NOW DISPUTING IT WITH PROOF AND STILL WON'T REMOVE IT.
Product: Credit card or prepaid card

I have had a Citi Bank card for 6 years and 2 months. NEVER late, NEVER delinquent. 16 months ago I took advantage of a " balance transfer '' offer they had. I set an auto pay to pay DOUBLE the minimum required monthly payment. As I had everything set on auto pilot I would check my account once every 2-3 months to see the balance. Steadily the balance went down. Until XX/XX/XXXX when I looked and noticed the balance went up {$870.00} without me even using the card ( white I was still making regular payments ). I found this alarming so I contacted them. Apparently in XX/XX/XXXX they changed my monthly minimum payment which caused my auto pay to be short and thus Citi Bank charged me an obscene amount of late fees. In addition the changed my interest. All of this with ought a phone call or email notification. This resulted in my credit card balance going up {$870.00} in 4 months without me even using the card for any transactions while I've been paying the card regularly. When I called Citi Bank they refused to do anything.
Product: Credit reporting or other personal consumer reports

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, not later than XXXX Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted XXXX, Transunion, XXXX to remove the inquiries on my credit report, after multiple attempt to informed XXXX that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, XXXX, Transunion, XXXX still refuses to remove the hard inquiries. XXXX has violated my rights under 15 USC 1681b. I am requesting XXXX to remove the inquiries ASAP.
Product: Mortgage

Mortgage payment was made to Bank of America for my personal mortgage. The name on the check was made out to Bank of America. Bank of America did not give me credit for the money paid. Bank of America then reported me to all of the credit bureaus. Bank of America refuses to take responsibility for this cash check and not applied to my account. 
This has been going on since 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

LLNV Funding is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.
Product: Student loan

I consolidated the balance of my son 's student loans in 2006. Even though I paid on time regularly every month, AES has failed to reduce the interest rate as I was promised. Their response was that option was eliminated when the loans were consolidated. That was never conveyed to me and I would never have agreed to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX, XXXX and XXXX regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
XXXX  has refused to remove all of the accounts listed in this complaint even after I have filed XXXX identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.
Product: Mortgage

I recently had my mortgage transferred from XXXX XXXX ( who I was completely happy with ) to XXXX XXXX XXXX, and this new company makes just charges endless fees. They charge a {$2.00} fee to pay online, which is absurd. I am trying to save the environment by reducing waste, AND I would be saving the company the expense of manually processing my payments. The fee that really pissed me off was an NSA fee which was incurred because I accidentally entered in my wrong account number for my first payment after the mortgage was transferred, entirely my fault and I have no problem paying that fee. My problem is the fact that they do not allow you to pay that fee online so you have to call their customer service line where you have no choice but to pay an additional {$5.00} fee so that I can pay off the original {$15.00} fee. I feel that my mortgage was transferred through no fault of my own, and now I am incurring all these new fees and inconveniences, that I never experienced with the almost ten years I was  with XXXX XXXXXXXX. I'm just pissed off and frustrated that there is nothing I can do about it!
Product: Credit card or prepaid card

This is for an captial one spark business card. Due to 120 days past due from me being XXXX XXXX XXXX XXXX XXXX XXXX capital one restricted my card. My mom sent payments in manually to the mailing address for capital one. I have never been late prior to my neck injury in XXXX 2022, I had an exceptional payment history. I ask capital one as goodwill to reverse the XXXX late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 120 days late reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Was informed by Bank of America that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Bank of America, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report and supplied it to XXXX, Transunion, and XXXX. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bank. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over XXXX people doing the same to them. I have supplied enough proof to show this isn't my information. I have over XXXX fraud inquiries as well that they won't remove. 


I would like to add XXXX has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXX  this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The accounts listed are not mine and and not authorized by me Remove these accounts :
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, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report under the account number XXXX. As previously communicated and in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I have validated that this debt is not mine.

Under Section 609 of the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Upon thorough investigation and verification, it has been confirmed that I am not associated with the debt in question. As such, it is imperative that this inaccurate and erroneous information be removed from my credit report immediately.

I hereby request that you take the following actions in compliance with the FCRA : Remove the collection account XXXX from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) without delay. 
Cease all further reporting of this inaccurate debt to any credit reporting agencies.

Provide me with written confirmation once the collection account has been removed from my credit report.

Failure to comply with these requests within the required time frame may result in further legal action as provided for under the FCRA.

Please be advised that under the FCRA, you are obligated to conduct a reasonable investigation into the accuracy of the information you report and to correct any inaccuracies promptly. The inclusion of inaccurate information on my credit report can have significant adverse effects on my financial standing and opportunities.

Thank you for your immediate attention to this matter. I expect confirmation of the removal of the inaccurate collection account within 30 days of the receipt of this letter.
Product: Mortgage

I purchased my first house in XX/XX/2020, regretfully with LoanDepot. During the closing they told me I and the property would qualify for an XXXX loan which we then proceeded to do. Last minute, they said they the property type doesnt qualify because its a condo. ( Its actually a townhouse community with an XXXX fee ) Based on that information I was forced to go conventional, which was very misleading and bait and switch-ish to me. And we had the loan and homeowners insurance set up based on the information they provided ( condo and conventional ). I had signed up for my homeowners insurance to paid from the escrow account, like most homeowners. A year later ( renewal time ) I receive a threatening letter from LoanDepot regarding the insurance had not been paid and needed to be right away. So unknowing I paid directly from my bank account. I then later found out ( from my very responsive loan XXXX ) that I should have never paid directly. I then reach out to customer service which is a sea of transfers to unknowledgeable reps. After weeks, found out that the need a declaration page, which I sent to them via email, fax and online upload. A week or more later, the issue is still not resolved. I then have to call again and spend hours and hours through the sea of transfers and the unknowledgeable reps, because each one tells me something different. Then make me go through the same story for them not to be able to help. So I finally found a rep that could find the many declaration pages I sent and then said the issue was property type. I dont understand how after a year that is an issue AGAIN? I received the letter on XX/XX/XXXX, its is the XX/XX/XXXXand still in the exact same spot. I then called and asked for payoff to refinance with a more customer friendly mortgage company and I was told I would receive that the same day, its been XXXX and still havent received it. I hate paying my money to people that are dishonest with me. During all this, they were still taking mortgage payments instead of rectifying the issues they have created to make my life more difficult and making me lose income.
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. My current legal name is XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX, I request that my current address be updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.