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

I am writing to dispute certain inaccurate information on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove incorrect data related to my name, address, and phone number from my credit file. These errors are negatively impacting my creditworthiness and I request immediate attention to correct these issues. 

Specifically, I am disputing the following inaccurate information : Incorrect Addresses : XXXX XXXX XXXX, XXXX ca XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX : XXXX XXXX Other Incorrect Information : In accordance with the FCRA, please ensure that this dispute is resolved within XXXX  days of receipt of this letter. Should you need any further documentation or clarification, please do not hesitate to contact me at the provided phone number or email address. 

If you are unable to correct this information, please provide a detailed explanation of your findings. Furthermore, if this issue is not resolved promptly, I will not hesitate to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), as well as file complaints with the relevant regulatory bodies, to ensure that my rights are fully protected. 

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

I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.
Product: Debt collection

Person called my cell phone first and hung up, he then contacted my home number. I said to this person that you have contacted me without leaving a message or who you are. I told him that I will not give him any of my personal information until he told me what he was calling for. He then started threatening me and telling me to shut up and that he did not have to give me any information. I asked again and again he refused. I told him not to call my house anymore and harass me by cell or home. I also told him that I would report them XXXX. I asked for a supervisor and he once again refused. It then became a shouting match because he called me XXXX. I let him know that I do not talk to debt collectors that I may be reached by mail only. He still refused and said they did n't have to send anything
Product: Credit card or prepaid card

In XXXX of 2020 I filed an unemployment claim I never received my prepaid card and my benefits were stolen all my correct information on XXXX XXXX was changed and all my benefits were used I had no knowledge a card was even issued or that I was even approved to receive my benefits. After waiting and waiting for my award letter for months and moths I called unemployment daily couldn't get through finally when I did they told me my claim was approved in XX/XX/2020 and benefits had been issued to BOFA ( BANK OF AMERICA ) to call them and request a new card check my balance or any other needs they can assist me. After calling bank of america I was told my balance was XXXX that not one but two cards were issued to me at a unknown address and my balance was XXXX. We did a claim for all those transactions I made police report and provided that to bank along with copies of my ID I HAVE PROVIDED BANK WITH EVERYTHING AND ANYTHING THEY ASK FOR THEY KEEP CLOSING MY CLAIM SAYING THERE WAS NO ERROR THAT TRANSACTION HISTORY ARE THE SAME WHEN I NEVER HAD A CARD OR MADE TRANSACTIONS THEY REOPENED MY CLAIM SEVERAL TIMES CLOSED IT SEVERAL TIMES ITS CURRENTLY REOPENED AND PENDING INVESTIGATION. ITS BEEN WELL OVER A YEAR AND THE BANK WILL NOT COMPLETE MY CLAIM OR ISSUE PROVISIONAL CREDIT IVE FILED COMPLAINTS HARDSHIPS ESCALATIONS EVERY AGENT TELLS ME DIFFERENT REASONS OF WHY THEY CANT ISSUE MY PROVISIONAL CREDIT AND THAT THEY HAVE 45 DAYS TO COMPLETE MY CLAIM AND STILL FAILED TO DO SO. {$11000.00} WAS STOLEN FROM THE CARD THAT BOFA ISSUED AND THATS MONEY I WORKED HARD FOR AND THE BANK IS TRYING TO KEEP THAT MONEY FROM ME EVEN AFTER IVE GIVEN THEM EVERYTHING THEY ASKED FOR TO HELP THEM WITH MY CLAIM. I DONT KNOW WHAT TO DO ANYMORE TO GET MY MONEY BACK.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit score and notice some fraudulent accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I have already requested this information to be deleted and I've submitted documents showing my current address on XX/XX/. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Product: Debt collection

I contacted XXXXXXXX XXXX XXXX by phone on XX/XX/2024 at XXXX which they informed me the debt has moved to a law firm which XXXX XXXXXXXX XXXX XXXX me with the law firm number. I called the law firm at XXXX and spoke with one of the law firm employees name miracle who was abruptly rude and refused to correct the alleged debt owe after I satisfied the garnishment payment of {$2200.00} on XX/XX/2024 with my pay stub as proof. The law firm employee threatened to increase the inaccurate, false and misleading debt of {$20.00} each day if I didnt pay the false debt that is damaging my consumer report.
Product: Credit card

My identity was stolen and they made multiple fraudulent charges on my credit card. I informed the bank and gave them my identity theft report and all the information I had. They closed the account for high utilization even after I had informed them this charges were not made by me and were a result of fraud. Its been about 3 months since the Fraud happened and they still have not all dropped the charges or refunded the transactions. I asked if they can reopen my account and the person did not help at all. After the account was closed it did not allow me to keep making payments from the mobile app so there was a late payment due in the account which I explained to a representative on the phone and they did not care about and still left it XXXX a late payment which can later affect my credit score. I have had a terrible customer service experience every time I get on the phone with a representative, they always seem to be lost or not very helpful. I have video proof of trying to make a payment on the app and it not giving me the option to pay this account for whatever reason. This is beyond ridiculous I'm looking to get a lawyer and possibly sue. I don't want any further business with Bank of America, i will not recommend them to anyone.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX XXXX added a derogatory mark to my credit report per Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX  violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i disputed this account with Experian stating that the date of last payment was inaccurate. XXXX last payment date is reporting XX/XX/XXXX, XXXX last payment date is reporting XX/XX/XXXX and Experian last payment is reporting XX/XX/XXXX. I also stated that the last payment dates has to be the same throughout the credit bureau or it's inaccurate and must be corrected or deleted.
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, Equifax and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. XXXX. XXXX main financial # XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX Credit # XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.
Product: Student loan

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 : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. 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. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

Also, the school ( XXXX XXXX ) was closed/shut down by the government for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year of XXXX, I reached out to all three-credit bureaus regarding a charge off account on my credit reports. The payment balance has been satisfied and both parties involved in the collection acknowledged to removed it off all three credit reports upon settlement agreement. I am not sure why it still shows on my credit report given that I fulfilled the agreement and the company agreed to remove it. The credit refusing to remove the charge offs even with provided letter evidence. It is affected my life and the future of my family to get a home and start a business venture. The credit bureau failed to provide documentation bearing my signature and the agreement from the creditor. I need this issue fixed, and corrected as soon as possible
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

We bought our home in XXXX XXXX was are mortgage company. Through the years from XXXX and XXXX, are mortgage jumped to XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, Greentree, XXXX XXXX and everyhome now Ditech. We were never told about our mortgage being sold. Ditech is forclosing on us with a note dated from XXXX XXXX. There documents say they received our loan from XXXX in XXXX.but we were paying Greentree since XXXX. Because everhome sold our loan to them. That's the only time we got notice sale of our mortgage. We can never get anyone on the phone to discuss our loan. We had to use are son 's phone because it had a different phone number and immediately someone answered. But didn't show us having an account with them. So she transferred me. And was left on hold for an hour and 45 minutes. Just hung up. They say we can modify but keep saying there missing things. Now we're a little over a year of them refusing to except payments and not answering the phone. Also kept sending everything they asked for but keep getting letters and statements with different amounts owed. Or items missing. Horrible to drag customer 's along the longest they can, and cause them to get father behind when we could have payed our mortgage 4 months after the missed payments. There customer service knows nothing and you never talk to a representative. Something needs to be done.
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. 

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  : 431503 , 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 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: Checking or savings account

I opened a checking and savings accounts online on XX/XX/2023 at Citizens Bank online. I made two online deposits from XXXX XXXX  - XXXX deposit of {$500.00} to savings and 1 deposit of {$500.00} to checking on the same date. I got emails saying that my accounts were opened and they have received my deposit transfer request on XX/XX/2023. I have attached these emails. 

Few days after I received the letter from Citizens bank that my accounts were terminated. It also said if there is a reminding balance, I should be received a check. So I waited for a few weeks and the check was never made it to me. So I checked my bank account on XXXXXXXX XXXX  and it was deducted the total {$1000.00} for 2x {$500.00} on XX/XX/2023. So basically my {$1000.00} is missing between these two banks. 

I reached out to XXXX XXXX and they said the transactions went through successfully on XX/XX/2023 whereas Citizens bank said the transactions were rejected on XX/XX/2023. So I reached out to XXXXXXXX XXXX  and Citizens bank. None of them can help me with my missing {$1000.00}. I feel like there is a technical glitch in one of their accounting system or some manual human error in there. So I'm reaching out to you guys to help me with this. I don't know whom I'm filing a complaint against since I don't know who's at fault. I'm filing two same complaints against both parties.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. These 2 accounts below are the accounts that are violating my consumer rights and not obeying by the USC consumer laws -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have 2 account with Elan Financial however the accounts were sent to collections back in XX/XX/XXXX. I worked with a debt consolidation company who worked out an agreement to settle both accounts for me on XX/XX/XXXX. The payment was made however if you look at my credit report it shows that I have failed to pay the balance since XX/XX/XXXX even though the account was settled. I have the document showing that it was taken care of 2 years ago but it is still showing for all 3 credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.
Product: Debt collection

NCC Business Services is reporting a collection account on my credit report that has already been paid.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed there were several late payments and inaccurate payment history information, the accounts are XXXX XXXX XXXX, AND XXXX XXXX. I hav never been late on my payments for those accounts. Please investigate and provide proof that those payments were late. If proof can't be provided I demand that these payments be updated to " PAID AS AGREED/NEVER LATE '' as they should due to the fact that I was never late. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed incorrect information on my Wells Fargo account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.