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

I am writing to formally request that the following accounts be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these accounts from my credit file due to fraudulent activity or unauthorized use resulting from the breach of my personal data.

The following accounts should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$140.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, XXXX : {$360.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$410.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, XXXX : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$5400.00} / XX/XX/2022
Product: Money transfer, virtual currency, or money service

Hi, I opened an account with XXXX and tried to link my account as payment method the reply was Capital One bank is blocking me from linking my Capital One account to my XXXX account. 
I called custumer service to fix this, but the representative they cant help me with that. 
so i am filing this complaint because it is my right to have access to my account to external applications. 
XXXX XXXX disgruntled XXXX bank client
Product: Credit reporting or other personal consumer reports

This account was already settled and marked as closed. But it still appears to be open.
Product: Debt collection

I am being harassed by SIMM Associates for a debt that does not belong to me. I have never had an account with them or XXXXXXXX XXXX, the company they claim to represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is violating 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. They are reporting late payments and they didnt have any procedures in place.
Product: Mortgage

My mortgage lender, Nationstar Mortgage seems to be having technical problems in accurately reporting my escrow as well ensuring that when I make a payment, whether it is collected from their website ( XXXX ) or just me sending in a electronic payment, whether it be additional principal payments or monthly mortgage payments. It takes quite a number of phone calls, emails and letters to try and clear this up. Recently, I was curious why I receive an escrow refund check and the same week a rise in escrow. When I phone Nationstar and spoke to someone they were rude and obnoxious and would not let me speak to higher level of management. I also applied for a refinance and no one has contacted me. I have sent inquiries about their privacy and authentication policies, because I believe my information is at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of XXXX and should not be tolerated.
Product: Credit reporting or other personal consumer reports

I sent letter out on XXXX  XXXX XXXX of XXXX to readdress and my sure that all the requirements and requested all information to be provided to me by these parties. If these parties can not provide this information as requested, they should be removed.
Product: Credit reporting or other personal consumer reports

I opened a loan with this company XX/XX/XXXX. I fell on hard times and entered into a credit counseling program in XXXX or XXXX of that year. The terms of my loan were to lower the payments to $ XXXX and the interest rate was supposed to be lowered from 35.23 % to 21.92 %. I noticed my balance wasn't going down over time so I called to inquire why. The rep told me because the loan was so new that I'd have to make more payments and wait until XXXX before it would be recalculated and any payments applied. I felt that didn't sound right but at the time was going through a divorce and health issues so I didn't look into it further. 

Fast forward to XX/XX/XXXX I pulled my credit report and noticed the balance on the loan balance has been increasing each month since XX/XX/XXXX rather than going down. I logged into the online portal and saw my interest rate was still 35.23 %, and monthly finance charges were {$200.00} which was the same amount of the monthly payments. I reached out to the debt management company and they contacted Lendmark and were informed my account was under review as the error was just realized in XXXX of this year. 

As of XXXX a credit of {$4800.00} was credited to my account, the interest rate lowered to 21.92 % and the current balance {$2200.00}. I called and asked ify account had been adjusted back to XXXX and I was told yes. I requested a detailed audit/breakdown of payments/credits and that my credit profile be updated according. The rep said there wasn't a breakdown, the account was credited accordingly and that I need to submit the dispute in writing. Informed rep if adjustments have been made I'm entitled to proof so that I can be sure they are accurate. Rep stated she could send me a copy of what she has. I received the copy and it shows nothing in detail, just the amount of the credits. 

I called the 800 # and the rep wasn't helpful, kept trying to refer me to debt management company and told me they'd have a detailed record of what transpired. I explained the situation, the rep then pulled up my account and realized what I was saying. She put me on hold to call the branch. I was told the branch manager was busy and I'd get a callback. I did about an hour later but was unable to answer due to work. 

Bottom line is my account was not handled properly. The failure to apply the correct interest rate in XXXX has negatively affected my credit. I should be able to see a breakdown of the payments applied, credits given and monthly balance since XX/XX/XXXX. Also, since it's Lendmarks error they should update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear UPSTART XXXX XXXX, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the XXXX XXXX XXXX, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section XXXX ( a ) ( XXXX ). 

Furthermore, Californias Civil Code Section XXXX, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to XXXX  XXXX XXXX to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that XXXX XXXXXXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX XXXXXXXX XXXX. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting XXXX XXXX XXXX to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Debt collection

Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me
Product: Credit reporting or other personal consumer reports

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with Nelnet. 

I have provided all this information and documents in detail and Nelnet keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, Nelnet needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXX but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with Nelnet are Fraudlant b/c the address that I provided in XXXXXXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with Nelnet. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I closed my XXXX XXXX accounts on XX/XX/2018 and they mailed me a check for XXXX which was the remaining balance. I had to scream at 3 different people cause they tried to keep my savings open without my permission. An inside source says they did keep it open and transferred money out of there after I closed my account. I sent my VA pension payments direct deposit to a new account at a new bank and todays the money should have been kicked back from NAVY Federal credit union and sent to my new banking institution. I called the VA and they said it was never kicked back to the treasury and they thought it was strange giving the circumstances that the account has been closed for more than 2 weeks. I'm writing that the bank is committing fraud against me for closing my account in retribution for reporting them so many times to the cfpb for stealing my money that they never gave back. I suspect they waited till it was closed and someone fraudulently transferred it over to a fake account and stole it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possibleaccuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of thereinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX  credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet XXXX  is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. XXXX  does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
Product: Checking or savings account

I opened TD Bank account on XX/XX/XXXX in branch for the {$300.00} bonus. TD Bank never paid the bonus and asked me to wait and wait. My friend opened the account and I on the same day. He got the bonus on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Experian credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Experian, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Experian has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Experian has failed to conduct a proper investigation or remove the inaccurate inquiries. 
These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Experian 's failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Experian credit report and assurance that Experian will take appropriate steps to prevent similar inaccuracies in the future. 
Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 

Hard inquiries XXXX XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bellow is a letter that was sent to the Assistant VP of XXXX XXXX XXXX Dear XXXX, I believe there has been a great confusion regarding my account. I have never discussed anything about a XXXX payment. If you review your call recordings, your representatives were always discussing the XXXX payment. All the documentation I have received reflects that. 

Regarding the new issue with the XXXX payment, I have saved the letter that was mailed to me in XXXX. As per your federal grant selection, I did participate, and I responded to your offer dated XX/XX/year>. How can you now accuse me of being late? 

I understand that in large corporations, one department might not be aware of whats happening in another, but this should not affect my payment history. I complied with the instructions in your letter. Enclosed, you will find a copy of the letter, the check in the amount of {$5300.00} that was mailed, and a screenshot of the account used. The error is clearly on your side. 

Please correct this immediately as my refinance of my investment property is stuck due to the damage you have caused to my credit. I have 11 properties and have never been late on any of them. Your actions are causing me financial loss because, to save my rate, I need to pay for a rate lock extension while you resolve this matter. 

This needs to be corrected no later than the end of this month. If not, I will have no choice but to hire an attorney and pursue this matter accordingly. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I deposited {$500.00} in XXXX on a site called coinbase.com. 

Now I cant access my account it lets me login then it doesn't load anything and is unresponsive an has been doing it for weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being used to scam my account for unemployment payments. I froze my credit report with XXXX and they told me I had to contact the other two companies on my own because they would not do it for me, even though the FTC said they had to do so. Then, I froze my account at XXXX. Last, I tried to freeze my account at Experian and when I was finished, they said I had to send them a wide assortment of documents by mail or they would not freeze my account for me. I need it frozen now and why are they making me send all these documents? I believe they want me to pay {$30.00} a month to join their subscription service for freezing my credit report with them. This is illegal and they should be made to pay a fine for this deceptive practice of scamming consumers who are already being scammed.
Product: Checking or savings account

Wells Fargo I opened up a business account when I was first out of XXXX XXXX to keep my work money separate so I can keep a good data on it. This was in XXXX  my business name was XXXX XXXX XXXXXXXX out of XXXX  However, I ended up closing the account because I kept going into overdraft for fees constantly I didnt understand at the time why I was charge so much but I lost a lot of money and couldnt keep going on my new business my maiden name is XXXX XXXX
Product: Debt collection

I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.