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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX  XXXX, 2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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 the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. 

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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 the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name 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  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

This complaint concerns an alleged debt of {$1500.00}, reported by National Recovery Agency ( account number XXXX ) on behalf of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received XXXX XXXX care on or around XX/XX/XXXX. At no point during the visit was I informed that the XXXX  was out-of-network or that I would be personally billed for services. This lack of disclosure violates the No Surprises Act ( H.R. 133, Sec. 102 ), which protects patients from surprise billing for out-of-network services in emergency situations. 

This account was reported to collections and added to my credit report in XX/XX/XXXX, more than three years after the date of service. Despite disputing this account with National Recovery Agency, the company has failed to provide proper validation of the debt, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Key details include : Date opened : XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current balance : {$1500.00} Status : Collection account Payment history : Reported as past due since XX/XX/XXXX, negatively impacting my credit score.

I have attempted to dispute this debt, but National Recovery Agency has not provided sufficient documentation proving the validity of the charge. Furthermore, the original creditor has failed to comply with federal and state laws, including Floridas Patient Balance Billing Protections under Florida Statute 627.64194, which prohibits out-of-network balance billing without patient consent in emergency situations. 

As this debt stems from illegal billing practices and lacks proper validation, I request the following actions : 1. Immediate removal of this account from my credit report.

2. A full investigation into the practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and National Recovery Agency.

3. A resolution that includes confirmation that this debt has been cleared and no further collection activity will take place.

Thank you for addressing this matter promptly.
Product: Checking or savings account

On XX/XX/2022, opened a small business account for my sole proprietorship in response to an advertisement offering {$200.00} bonus for opening account, depositing {$1500.00}, and accessing online banking within 30 days. Upon attempting to register for online banking, received multiple error messages, so decided to call the online banking helping phone number on XX/XX/2022, where I was advised that I would have to visit a branch to establish online banking. I therefore set up an appointment at the XXXX XXXX XXXX for XXXX XXXX ET on XX/XX/2022. Upon arrival, I was advised that only XXXX banker was available and there were XXXX customers waiting and was asked by the teller if I wanted to wait or come back, of which I declined both stating my existing appointment. I find this level of service unacceptable and an obvious hinderance to receive the opening account bonus.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Equifax Inc is in several violations of the FCRA for reporting an inaccurate collection account that is not in METRO2COMPLIANCE furnished by XXXX XXXX XXXX - account ending in XXXX with an alleged balance of {$6300.00} that is not owed to this debt collector. The original creditor furnished on this account is XXXX XXXX  XXXX XXXX XXXX XXXX  which is the same creditor who furnished the account XXXX XXXX ending in XXXX. The original account furnished from XXXX XXXX has no late payments reported in the transactional history and is reported on my Equifax report as paid off/closed with {$0.00} balance owed from the months ( XX/XX/XXXX ) - ( XX/XX/XXXX ). The date of first delinquency in this inaccurate collection account ending XXXX is listed as XX/XX/XXXX with late XXXX payments that were furnished without a statement from XXXX XXXX XXXX pursuant to 15USC1666 ( B ). XXXX XXXX XXXX has also increased and decreased the alleged balance owed by {$7.00} every week which is another violation of the FCRA. Failure to remove this inaccurate collection account from my credit report will result in pursuit of litigation on behalf of these inaccuracies on my report. I sent Equifax a notice of their many violations on ( XXXX ) to then get no response or notice of their investigation into this inaccurate data on my report. I sent another notice of their violations on ( XXXX ) and Equifax still refuses to open a dispute. Ive included all the proof in my attachments to this complaint. ( Original Account ending in XXXX that shows no balance owed or late payments- Collection account showing the alleged balance owed- and my notices sent on ( XXXX ) - ( XX/XX/XXXX ). ) I am not liable for this inaccurate debt reported, however the consumer reporting agency is liable for all actual damages caused by their actions and violations of 15USC1681 ( e ) which speaks on their obligation as a consumer reporting agency to ensure maximum accuracy of the data on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting a bankruptcy that they state has been verified. I contacted the court house and they stated that they dont report nor verify to the credit bureaus or third party agencies therefore they need to remove it from my credit report.
Product: Debt collection

I am not aware of any account with you. Please provide the contract I have with resurgent recieveables. Provide bill of sale, Provide your rights to collect on the alleged debt, provide license, registration and bond to collect in the state of ohio, provide my written consent that allowed you to contact me per the FDCPA. I am prepared to take these demands and violations of consumer laws, debt collection laws and securities fraud to arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

the items that i request deletions from Equifax are the following because i am a victim of identity theft are as follows : FAMILY SUPPORT DIVISION XXXX {$4200.00} XXXX XXXX {$4200.00} XXXXXXXX XXXX XXXXXXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$1600.00} i have provided attachments below
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 
Disputed Inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my credit report that I did not authorize. 

Please delete the following inquires from my credit report as this is in violation of 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 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Inquiry details 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I am going through a lay off due to workforce reduction.I spoke to Majestic Financial to try and consolidate my payments monthly. I told them that their wont be no more direct deposits going into my account. Still did not want to help me with that.
Product: Checking or savings account

My prior complaints about this have still not led to resolution. TD Bank accepted a stolen, fraudulently endorsed check ( evidently deposited into a XXXX XXXX account ) and has still not credited my account for that error. The check was written to a landscaping company back in XX/XX/2022. It was deposited with some personally scrawled signature not even resembling the payee. It was evidently a mobile deposit that was allowed by XXXX XXXX. The TD Bank fraud investigation began in XXXX. I filed all the paperwork and prepared the submission with the assistance of the people working at TD Bank in XXXX XXXX NJ. This passage of time without resolution should be an embarrassment to the CFPB. TD Bank allowed this money to be taken from my account and all they say is they have to wait to hear back from XXXX XXXX. Enough is enough. The CFPB should intervene to ensure this evasive customer abuse stops and I am returned the funds that should never have been allowed to be taken out of my account. The fraudulent endorsement was obvious. How long must I wait to have my money returned? I hope the CFPB is able to persuade TD Bank to do what is obviously fair and just at this point.
Product: Mortgage

Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to make multiple payments through capital one 's payment system. My payments never made it to my bank but they say the payments were returned. Capital one marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. Capital one has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I had a problem with the propel XXXX card from Wells Fargo. That credit card had a special program covering my purchases, airline tickets, etc. That program was covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX. It was just an insurance policy, but the feature sponsored by Wells Fargo Bank. According to the credit card 's terms and conditions all disputes were supposed to be resolved via arbitration with XXXX XXXX XXXX ( XXXX ). When I filed my dispute with the XXXX respondent refused to follow its own policy, terms, and conditions. The XXXX closed the case with demand to remove its name from Wells Fargo Bank terms and conditions. Wells Fargo Bank ignored that request and still publishes XXXX as the only place all disputes must be arbitrated.
Product: Checking or savings account

I do not have a Well Fargo account but a Wells Fargo customer provided them with my e-mail address. I therefore receive unwanted emails regarding bill payments, ATM transactions, statements being available, etc. The first e-email was received XX/XX/XXXX to " confirm your e-mail address for Wells Fargo ''. I obviously never confirmed the address but confirmation is apparently is not a requirement for them to start using the address. None of the e-mails have an unsubscribe mechanism. 

On XX/XX/XXXX I called Wells Fargo customer service and after speaking to 4 different people over the course of an hour I was finally instructed to forward the e-mails in question to XXXX. I started doing that and got automated replies indicating that they would investigate but never got any responses asking for more information and it did not resolve the situation. 

On XX/XX/XXXX I called Wells Fargo again and spoke to two representatives. The second, XXXX, claimed to have submitted a request to remove my e-mail address from the account. 

Today I received yet another unwanted e-mail from Wells Fargo.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Money transfer, virtual currency, or money service

There were several moments where friends & family would send me money through Zelle and sometimes Id receive it while sometimes I wont. And its getting out of hand because what if one day I need to do a Zelle transaction for an emergency then what will happen??