23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I've contacted Kohls regarding late payments that appear on my credit report, I received these through no fault of my own. To date I have not received not one statement on this account by mail or electronic, every time I was contacted for payment I paid via phone, but now I have 8 thirty day late on my credit reports. I have contacted kohls to no avail on this matter and I don't believe it's fair for me to have to see this on my credit report for 7 years through no fault of my own.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Previous Address ( es ) : XXXX XXXX XXXX A XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} CAPITAL XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXXXXXX 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
Product: Debt collection

Account Opened for collections XXXX/XXXX/2015 original creditor XXXX XXXX. Removed and reopened still lingering on my credit report. 
Account was never opened, no business conducted with XXXX. 
Spoke to XXXX XXXX and XXXX ( did not provide last name ) who advised to send a letter to below address to dispute collection report/Certified letter to be mailed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

U.S. Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX  XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. Reporting past due amounts on a collection or charge off is a violation and should not be on my credit report. This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted immediately.
Product: Money transfer, virtual currency, or money service

I received an email from a scammer pretending to be one of my employees. This email was received after she requested check stubs, which I emailed her. She must have been hacked after this as the employer/employee relationship was established. The next email showing her correct email address ( XXXX ) was requesting I update her banking details. After I replied her email was changed ( XXXX ). I see it after the fact of course. I modified her banking details in my payroll processor ( XXXX ) and the money was deposited in the scam XXXX account on XX/XX/XXXX. I was alerted to the fraud on XX/XX/XXXX as XXXX XXXX never received her payroll check. I wrote a business check to XXXX XXXX to cover the cost of the scam. I filed a report with the FBI and right now I'm seeking to recover my loss of {$2000.00}. I have a police report number for the incident is XXXX. Please help recover my loss and prevent any further damage to other small business owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that 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 Instruction. 

Remove these late payments immediately and update my account as you are in direct violation of The Fair Credit Reporting Act.
Product: Debt collection

My husband has a loan with GM Financial. He has been XXXX and since only his name is on the loan they will not work with me. He has been in contact with them yet they continue to send daily emails to me as well as call my family members want g to know where he is. They have already been told where he is and what is going on. They are to the point of being extremely harassing especially since the emails are coming to my email and they refuse to work with me on the loan. It 's becoming very stressful.
Product: Credit card or prepaid card

Capital one is holding my credit balance of XXXX on my account for over 12 months ( since XX/XX/2021 ). I have made multiple request in writing and by phone for the refund to be mailed to me, but Capital one has ignored my requests without merit. This extended delay is unacceptable, unreasonable, and illegal! I previously filed a complaint about this under Capital One Case : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. - Since XX/XX/XXXX, 2 additional ( 5 ) months have passed without resolution. - Respectfully, I would think that within these 5 months Capital one had ample time to completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been charged back and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me and have negatively impacted my credit score. Below are the details of the inquiries in question : TransUnion Report : XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Multiple Entries ) Inquiry Dates : XXXX, XXXX, XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Entries ) Inquiry Dates : XXXX, XXXX, XXXX Type : XXXX XXXX  XXXX XXXX Dates : XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX Type : XXXXXXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. Section 604 of the FCRA specifically states that a consumer report may only be accessed for certain permissible purposes, and I did not authorize these hard inquiries, which means they should not have been included in my credit report. 

Due to the unauthorized nature of these inquiries, I request that they be removed from my credit report immediately. These inquiries are damaging my credit score and affecting my financial health unjustly.
Product: Mortgage

I have filed this complaint 3 times and they have continually not fixed this issues correctly. The last complaint I received an a letter stating they will fix my credit and report my mortgage payments from XX/XX/2021 through XXXX XXXX.My loan modification was signed in XX/XX/2021 and my first payment was effective XX/XX/2021 and I need for them to report my payments for XX/XX/2021 and XX/XX/2021 as well. I made both of those payments and they need to reflect on my credit as paid and current. This issue is not resolved. Citizens Mortgage is a horrible company and I will never do business with them again! It shouldnt take this many times to get this corrected and they have the information in front of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I notified the correction agency and provided written proof, admission of guilt and screenshots from the person admitting she was the one who signed my name electronically without my consent. I disputed this twice with transunion with the same back up documentation and they still refuse to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Discover, XXXX, and XXXX XXXX have violated my rights. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Discover ( acct ending XXXX ), XXXX  ( Account # XXXX ), XXXX XXXX< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 


I'm asking you to investigate these errors and remove any information that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 
By 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have viol

ated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 data is inaccurate. I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXXXXXX credit card showing on my credit report that was closed due to fraud charges. I was never issued a new card and the account was closed completely. XXXX XXXX is now reporting a balance on the closed account when it should show {$0.00}.
Product: Student loan

Please help, Navient has violated my rights. I never authorized any changes to my account. I was also never made aware of any changes being made to my account. Please note that I am not their only victim, as Navient is being investigated by the federal court for their fraudulent practices. My consumer rights are being violated, please remove the accounts listed below from my credit reports immediately. I have a history of excellent credit. This company is trying to take advantage of their customers, and I am seeking your help as they are randomly making changes to the below listed accounts without my content, or without notifying me about any changes. Random increases of interest rates at amounts that are purely fraudulent, they NEVER discussed any changes with me! They went from and interest rate of around 3 % to now 10 % in one year!! None of it makes sense, all in one year! As I did my research I learned of their fraudulent acts and how they are now under investigation for their crimes. They are a fraudulent company and they are currently being investing for their criminal acts.This complaint is for the following accounts with the fraudulent Navient company... 
Navient Account # 's... 
XXXX XXXX XXXX XXXX Please remove all of the above accounts from my credit report as my rights have been violated this year. Please remove these accounts immediately. 

Thank you for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute withXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXin regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer. I am now OPTING OUT of Any and all AUTHORIZATION. I the consumer may have given you written, unwritten, verbal and non verbal per 15usc6802 Us bank  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX in. 
( OPTING OUT )
Product: Debt collection

I HAVE BEEN DEALING WITH THIS PROBLEM FOR A FEW YEARS NOW AND THEY CONTINUE TO HURT MY CREDIT
Product: Student loan

Back in around XXXX or XXXX, I had gone into a income driven repayment plan. I had set up payments to be taken out on ALL XXXX loans. However, the person who did the plan with me on the phone wanted to rush me along and didn't verify the information. So what ended up happening, unbeknownst to me, only XXXX out of XXXX loans were getting paid with the automatic payments. Then came the letters to both my parents and I, who cosigned the XXXX loans that weren't being paid, which caused a now unfixable rift between us. We reached out to customer care at the time and they opened a case. Of course, I was correct and the recording CLEARLY stated that all XXXX were to be paid with the plan. They " corrected '' the mistake without offering any incentive or repayment for the damage they've caused including to my credit. Then just last year, the same thing happened again! I have gone into default on XXXX of my XXXX loans, NOT the ones that are cosigned, and they no longer receive payments. The woman on the phone took my payment.XXXX  .and put it on the defaulted loans and not the loans I asked her to put it on! Nothing came from that complaint as there was " nothing that could be done ''. I'm so tired of this game. With the amount of money I've given at this point I calculate that I could've had these loans paid off in full almost XXXX or XXXX years ago. I need something to be done. I never even got to graduate from XXXX XXXX XXXX university due to financial issues and they have just made it so much worse. Salt in the wound. Also, my relationship with my parents is strained at best due to the mistake that have been made on their part. Please, I'm begging of you to please help me end this tyranny against Navient and get my life back.
Product: Checking or savings account

I filed a CFPB complaint on XX/XX/XXXX # XXXX requesting that Wells Fargo allow me to transfer the money in my CD back into my checking account. 

They responded that the money could not be transferred because I missed the maturity date. 

However, The maturity date grace period expired on XX/XX/XXXX and I filed my complaint on XX/XX/XXXX. 

The representative that is handling my complaint clearly does not understand this and is refusing to allow me to transfer my money. 

I called back repeatedly and they have not responded to my complaint. 

They are holding XXXX of my money without my authorization.
Product: Debt collection

Received a notice from debt collector for a bill a deceased spouse was charged in XXXX right before his death. The original bill that came to my address XXXX years after the spouse died was returned with a certified copy of the death certificate to the company XXXX XXXX. They in turn sent the bill to the collector who is now sending collection notices to a deceased person at my address. This person had no will, no estate and died XXXX
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case STATE COLLECTION SERVICE is attempting to collect as XXXX  XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit reporting or other personal consumer reports

Dear Transunion Subject : Formal Dispute of Inaccurate Information on My Credit Report I am writing to formally dispute certain inaccurate information on my credit report, which I believe is adversely affecting my financial well-being. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request a thorough and prompt investigation into these inaccuracies, as required by federal law. 
I wish to draw your attention to a recent legal action initiated by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. The lawsuit highlights serious concerns regarding XXXX  failure to adequately investigate consumer disputes. Specifically, the CFPB cited the following unlawful practices : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinstating previously disputed and incorrect information without appropriate explanation. 
Failing to properly notify consumers of the results of investigations. 
These actions are indicative of systemic deficiencies that undermine consumer protections and contribute to the persistence of erroneous information on credit reports. I am concerned that my dispute may be subject to similar mishandling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX WAY XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I had a 2nd mortgage with XXXX. They sold it to Shell Point Mortgage, I've been trying to get in touch with them to find out what is going on. They sent me a letter and somehow I lost it. I was told that I could make payments to them. I have not heard anything from them at all. I'm willing to work with them if I can get in touch with them. I'm not sure but I think they want to foreclose on my home. 
I would like another letter sent to me.