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

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXX  Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you
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 account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX ( not accurately reported ) XXXX XXXX- account XXXX XXXX XXXX  XXXX-General-account XXXX ( not accurately reported ) XXXX XXXX-account-XXXX  XXXX XXXX XXXX-account XXXX ( not accurately reported ) XXXX XXXX account XXXX  ( not accurately reported ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-account-XXXX  XXXX XXXX- account XXXX  ( not accurately reported ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXaccount XXXX  ( not accurately reported ) XXXX XXXX-account XXXX ( not accurately reported ) XXXX XXXX XXXX XXXX ( not accurately reported ) 15 U.S.C . 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Over the past three months, I have contacted Transunion and XXXX concerning the negative account with XXXX XXXX and the keep telling me the debt is validated and keep reporting inaccurate information. They told me the credit report had been updated and to take it up with XXXX XXXX XXXX but they are the ones who are reporting the information, and they know its inaccurate information. I had the car for 7 days and they never validated what or how much they resold the car for, and why they are reporting negative information on my credit. I have a XXXX balance with delinquent and late payments showing on my account as if I'm not making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX, was emailed to say the results were complete and available to view online. Attempted to view results and was unable to do so. I called the company requesting a copy be sent to my residence. I was told it would arrive in 7-10 days. I didn't receive it. I called them again after the 10th business day and told them I haven't received it. I requested a second copy and the same thing happened. I called again and stated that this is an issue with me receiving this document if there's is something else that can be done. They said no and I'm out of luck. I need the document for proof of my records and they refuse to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information on my credit reports from XXXX, XXXX, and TransUnion. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protections, including 15 U.S.C. 6802 and other specific provisions governing data accuracy, dispute resolution, and consumer privacy. 

Details of Inaccuracy and Non-Compliance : Inconsistent Account Information Across Bureaus : My reports contain multiple discrepancies in account balances, statuses, and payment histories across XXXX, XXXX, and TransUnion. These inconsistencies suggest a failure to follow reasonable procedures to ensure maximum possible accuracy, which violates 15 U.S.C. 1681e ( b ).

Unresolved Disputes and Dispute Process Violations : Certain accounts, including those with FIRST PREMIER and AVA/BLOOM, were previously disputed but continue to show inaccuracies. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to reinvestigate and correct inaccuracies promptly, which does not appear to have been done in this case. 

Inaccurate Reporting on Student Loans : My student loan accounts with XXXXDept of Education are reported inconsistently across the bureaus. Some reports fail to accurately reflect payments and deferment statuses. This inaccuracy may violate 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ), as obsolete information can unfairly impact my credit score. 

Furnisher Responsibilities Not Met by Creditors : Multiple furnishers of information, including XXXX XXXX  XXXX and XXXX XXXX, have reported incorrect account statuses ( e.g., charged-off accounts and delinquencies ) despite being notified of disputes. This is in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ), which obligate furnishers to provide accurate information and investigate disputes in coordination with credit bureaus. 

Unverified Inquiries : My credit reports contain the following inquiries that I did not authorize and that lack a permissible purpose under the FCRA : Ally Financial Dated XX/XX/XXXX XXXX  XXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX and 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  XX/XX/XXXX and XX/XX/XXXX XXXX Things in Motion Dated XX/XX/XXXX These unverified inquiries are unjustly impacting my credit score and do not meet the standards of 15 U.S.C. 1681b, which requires inquiries to be made only with my consent or for a legally specified purpose.

Disclosure Violations : The credit reporting agencies may not have provided complete or accurate disclosures in response to my information requests, violating 15 U.S.C. 1681g ( a ), which requires disclosure of all information in my file upon request.

Privacy Violations Under Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : If any of my financial information has been shared without authorization or my consent, this would violate 15 U.S.C. 6802, which mandates that financial institutions protect consumer privacy and limit information sharing.
Product: Debt collection

I have reached out to Fair Collections & Outsourcing several times since XX/XX/2020 ; asking them to send me any information validating that I owe Fair Collections & Outsourcing for the alleged debt of {$1300.00}. They have yet to send me any validating proof that I owe them in the amount of XXXX for such alleged debt. I am asking the CFPB to hold them accountable in removing this alleged debt from ALL 3 major credit bureaus as this erroneous debt is hindering my ability to receive a modified mortgage at a better affordable rate.
Product: Checking or savings account

This is in regards to a business saving account with Wells Fargo. My payroll was hacked and fraud occurred. A payroll payment was withdrawn from my saving account and deposited into another unknown Wells Fargo account. I reported the fraud to my payroll company. They stated they would contact Wells Fargo. Wells Fargo declined to refund the payment due to insufficient funds on the unknown account and said to contact them directly for a fraud dispute. I contacted Wells Fargo and submitted a fraud dispute. They rejected the dispute because they stated it was not reported within 24 hours. I made an additional complaint about the decision. I received an email to call them so they could get more information, I called and replied to the email. They still have yet to return any emails or voicemails. I find it very suspicious that the fraud happened with another Wells Fargo account. They have the ability to know who opened that account and the persons information. It seems as if they are trying to cover up fraud that occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed OPEN Status Late 30 Days Past due amount {$6000.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$1600.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$120.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$560.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have 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  has violated my rights. 

15 U.S.C. 1681section 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 an 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 conviction 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 imformation 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: Vehicle loan or lease

Tried to pay it off in XXXX and found there was gap insurance and no one refunded the remainder of the gas on XXXX XXXX XXXX. I got nothing but the run around.
Product: Debt collection

I WANT THE CONSUMER PROTECTION BUREAU TO INVESTIGATE THE THEFT OF {$250000.00}! 
XXXX  XXXX  XXXX  SUBMITTED A FRAUDULENT PAYOFF STATEMENT FOR A LOAN I HAD ALREADY PAID. 

I paid off an {$82000.00} line of credit in XXXX. I paid off {$240000.00} balance in XXXX I paid back the escrow I already paid AND paid beck and apparently paid again. 

I paid the taxes and insurance. I paid the credit cards in the second mortgage when I paid off the second mortgage I paid off a XXXX balance included in my first mortgage. I paid it off with the second mortgage. I paid off the balance when I paid off the second. 
Modification included all of it. 
{$240000.00} - XXXX XXXX - XXXX {$130000.00} balance in XXXX XXXX XXXX XXXX paid - XXXX balance XXXX - {$49000.00} 2nd principal balance at 0 % XXXX payments + XXXX already paid XXXX paid XXXX {$500000.00} I just Received A phone call from Commerve bank. 
I want a complete investigation by the comptroller of the currency. And the {$250000.00} stolen from me yesterday I owe commerce nothing. 
This is on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
I believe this is a violation of the. Credit Reporting Act Section 1681b ( c ) and it is also a serious breach of my privacy rights. 
Please validate this information with this company and provide me with copies of any documentation associated with these accounts, bearing my signature and authorizing an inquiry. 
I also demand you to produce a contract between you and I consumer bearing my signature showing that I gave you permission to furnish any information on my behalf.
Product: Mortgage

Bank of America said i qualified for certain programs. Then in the next paragraph i was told i didnt qualify for those programs. I asked what payment i should make toward my mortgage. I was never told, i never got a call back. I have done everything Bank of America has told me to do. Yet, they lied to me and proceeded to take action against me. Now, they have been sued for XXXX dollars i get a call stating they wanted to send me an application for a modification. Only, i cant get in contact with no one. I leave several messages and no one will call be back. I have not received the application in the mail and its been over a week. It is going on two weeks. I called again today and got nowhere. I would like to know what is going on. This is my house Bank of America has tried to steal from me. Although, they have been sued. They are still playing games. I can pay my loan modification so i dont understand the question. Thats what one of the problems i have with Bank of America. They lied about my modification
Product: Credit card or prepaid card

I received a prepaid XXXX card from Netspend ( XXXX XXXX ) in the amount of {$150.00} as a gift. I tried to activate the card online. The activation required much more information than I've ever provided before to activate any kind of prepaid card. The statement was that such information was required by federal law. 
After giving my name, address, phone number, and social security number on their website, the activation was not complete. The message said I needed to send a copy of my driver 's license to them or to call. Of the two numbers provided, neither was valid. 
I contacted XXXX, who then connected me with XXXX XXXX/Netspend. The agent of the company asked for my personal information again, this time adding that she wanted my birthdate. When I objected to providing so much information, she offered me an option of receiving a refund of {$150.00} by paper check mailed to my home. I agreed to the refund. 
The reason for my complaint is that this company is requesting complete and unnecesary private information under false pretenses. I am concerned that they now have my personal information and could cause me harm by using that information fraudulently.
Product: Debt collection

I have sent debt validation letter XX/XX/2018 on to this alleged debt. The collection agency have failed to respond to alleged debt. They also sent return receipt back on XX/XX/2018 and still no responds.
Product: Student loan

According to the federal government, loan payments had been deferred and this showed on my ancient statement as well. I did not make a payment for a couple of months then was charged a late fee. I immediately payed ( XX/XX/XXXX2021 ) and tried to contact someone for clarification which sent me information on other payment options. An unauthorized payment was made from my bank account from Navi ent on XXXXXXXX XXXX,2021. When I called to question, they said it was made from my account, that I had mistakenly paid. I had not logged into my account since XXXX/XXXX/21 nor was I set up for autopay. I immediately deleted my bank account information to stop Navient from making more unauthorized payments.
Product: Debt collection

The company identified itself to me as XXXX XXXX XXXX from the number XXXX. They actually contacted my sister in law on her cell phone to message me. When I called the number above they left, a representative, XXXX XXXX, verified my social security number. She offered this number, it was not supplied by me. She claimed to be collecting a debt owned to HSBC Mastercard of {$2000.00} approximately incurred in XXXX of XXXX. When I requested information in writing she became aggressive and said if that was my social that I could not dispute the owed amount and would have to wait for my soupena to court and the charges would increase to {$8000.00} or more. XXXX also indicated that HSBC had closed the account, written off the monies due and deleted the file and would not be able to respond to inquiries regarding my account. 

I contacted them at XXXX re : file # XXXX today XX/XX/XXXX at XXXX. I have never held credit with HSBC or any other Mastercard  bank.
Product: Payday loan, title loan, or personal loan

We install solar panels in our home, and they were to be completely install so when the company call, I said work was finished, but 2 months later when light went off, we realized then the job was not complete, batteries were not properly hooked up. I call the financial institution to let them know but they didn't help us with the contractor, it was a scam, still to this day work has not been complete and the contractor got paid in full.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ) Discrepancies exist among XXXX ( XXXX late payments ) and Equifax ( XXXX late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX bank also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE the following inquiries due to the XXXX  and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. I have attached all of the inquiries.
Product: Debt collection

I never received any documentation that I had a bill past due because I had paid all closed accounts to my knowledge. The collection agency provided me with an incorrect number so when I contacted the creditor directly they saw me as owing nothing by my social security number. I called the collection agency back and told them I have no accounts with the number they gave me, and they said my account was with THEM. I told them I wasn't going to pay them without proof from the original creditor that I still owe them. 
I provided documentation to the collection agency that this debt was paid in full, such as receipt and proof of cleared payment from my credit card company, but they still wrongfully posted a collection on my report and won't remove it from my credit report. It was a retaliatory action. I want them to remove this inaccurate information that caused my credit score to go down by XXXX points OVERNIGHT. That put my job at risk as I need to maintain good credit. I want them held liable and responsible.