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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

***INQUIRES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCT*** XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
Product: Credit card

Capital One XXXXXXXX XXXX XXXX, XXXX, CA XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE CAPITAL ONE, ACCOUNT NO. XXXX Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as Capital One. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that Capital One has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.
Product: Student loan

Navient contacted me for the XXXX time to tell me I owe fees. I am poor and XXXX. Navient is on my credit although never notified me of anything. Now for the first time Navient is fraudulently taking advantage of people with XXXX to charge fees. I notified CFPB of Navient on credit but was never notified of fees before. This is FRAUD AND THEY SHOULD BE HELD LIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked XXXX, Transunion, and XXXX  to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XXXX in XXXX and XX/XX/XXXX in Experian..this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian ... .this is wrond this inaccurate obtain credit XX/XX/XXXXfailed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XX/XX/XXXXXXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report # XXXX dated XXXX XXXX, 2017 has XXXX HARD HITS on it due to the fact that EXPERIAN is reporting incorrect information and damaging my FICO score. Causing bank XXXX to repeat inquriues This must stop and be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Bank of America ( Account XXXX XXXX ). BofA has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX MD ) XXXX Balance XXXX {$370.00}XX/XX/XXXX XXXX Balance : {$800.00}
Product: Checking or savings account

TD Bank refused to refund fraudulent payments on my checking account, so I stopped using them. Now, they're still taking monthly fees, and rather than closing the account, they're taking the fees out of my mother 's account, somehow. She was removed from the account many years ago.
Product: Bank account or service

Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Bank of America checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees.
Product: Credit card

The idiots at Wells Fargo do n't know the definition of " XXXX '' and their so called " Senior Correspondence Specialist '' XXXX XXXX does not know how to address an issue that I raised in my previous complaint. Case number : XXXX All I am asking these XXXX is to send me their definition of a " XXXX '' and they seem to be not able to do that. They ask me to prove that I am a XXXX when they have no understanding of who a XXXX is. And their so called response fails to address that at all. 

I am at a loss of words as to describe the level of stupidity I have encountered. Their response to a CFPB complaint is to repeat the same old stupidity without bothering to read the complaint and try to understand the issue at hand. 

These XXXX belong in a XXXX and not in charge of a bank. I will keep raising complaints till someone with at XXXX gets to take a look at it. Please keep these complaints on their record for others to see as well. 

thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that 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 instructions.

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for violations of the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E due to inadequate customer service and unfair business practices.

Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on their platform, thereby exposing my account to unauthorized transactions and financial harm. Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution procedures mandated under EFTA and Regulation E.

These violations have resulted in substantial inconvenience and financial loss. I am seeking appropriate redress for these infractions and any remedies available under applicable consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A check for over XXXX that was improperly endorsed was allowed to be withdrawn from my account and not paid to the company the check was made out to. They said they found the money and it would be in my account XX/XX/2019 and it is not. Now I can't log into my account from home. 

Us bank XXXX XXXX XXXXr XXXX ne XXXX XXXX is the direct line to the gentlemen I spoke with yesterday. 

XXXX XXXX
Product: Checking or savings account

I wasn't able to cash a good check I submitted a clear image of the check
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Credit Report there are three credit card accounts for XXXX XXXXXXXX XXXX credit cards, two of which are mine, however the 3rd one is not mine. I've contacted XXXX XXXXXXXX XXXX to correct their error in reporting this third credit card under my name and was able to determine that the problem is due to my phone number is associated with my ex-employer 's XXXX XXXX  Credit Card, and her rewards points account at XXXX XXXX. The account number I believe is associated with this The XXXX XXXX Credit Card is XXXX XXXX XXXX ends with XXXX or XXXX. I believe that this credit card belongs to XXXX XXXX, an ex-employer and an ex-roommate of mine, who added me as an authorized signer on her XXXX XXXX account several years ago, possibly giving them my phone number to contact as I was a job site XXXX for construction materials purchases for her at the time. However, I am not responsible for her credit card account at XXXX XXXX. I've repeatedly explained my issue to their Credit Department and although they promised to stop reporting in my name, they have neglected to correct the issue. Since the account is paid on time, they seem to be reluctant to address this issue. I've also complained by filing a dispute with Experian, and they investigated and neglected to change their credit reporting for me. The balance is ill-effecting my credit score. If anybody would seriously investigate this issue, they should be able to see the credit card payments are not being made by me because it's not my credit card! I want this high balance to stop being reported in my name, so I am hopeful that you can have better results then I have had in getting Experian and XXXX to discontinue reporting this account on my credit. The Experian Investigation report number is XXXX and was Investigated in XX/XX/ 2022 and remains reported on my credit report. Thank You for your assistance in resolving this credit reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to Experian, along with the assigned identity theft case number XXXX. 

It has come to my attention that despite my dispute letter dated XX/XX/2023, Experian has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that Experian, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. 

I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge Experian to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. 

Your immediate attention to this matter is appreciated, and I expect Experian to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below have late payments showing on my Experian credit report which are incorrect and need to be removed. 

Experian late payments XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. This late payment occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 


XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This account was never late on the date listed above please remove late payment
Product: Debt or credit management

Resurgent Capital Services reached out to me with a debt collection notice for a debt that is not mine, but is registered to a family member. The notice mentions that I have 30 days to respond or else the debt is assumed to be mine. This debt is not mine, and is confirmed by the original debt lenders to be someone else of the incorrect social security number and contact information. To write on the letter that it would " virtually '' be assumed to be mine even though it is not, then to make me use their website and log my personal info like social security in order to see debts is unfair business practice. I am requesting cease and desist communications with me. Company Resurgent ID : XXXX
Product: Debt collection

I paid off Wayfair in XXXX of XXXX. I received a bill in XXXX of XXXX  for fees because the last payment was a day late. Those fees were dropped. I may have gotten a bill in XXXX but ignored it because the debt was paid off. 
I got another bill in XXXX and thought is was a hoax so I emailed XXXX XXXX XXXX on XX/XX/XXXX. I also called and was told, once again, the fees were dropped. I just received another statement from them. 
Once I contact them, they speak to a Supervisor and the charges are dropped. 
Since XXXX I've gotten a monthly text/email from Comenity/Wayfair. 
I called the number on a text I received on XX/XX/2021 and was told again that the charge was cleared on my account and that I would received an email confirmation. Instead, I got a monthly statement.