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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

To Whom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a XX/XX/XXXX and the XXXXXX/XX/XXXX my personal information has been compromised, including 6 criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting or other personal consumer reports

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress.
Product: Debt collection

I resided at the said residence in complaint. XXXX XXXX XXXX XXXX. XXXX GA XXXX. From XX/XX/XXXXXXXX  to XX/XX/XXXX. 
I tried in XXXX of XXXX  to pay my rent through the portal as was done previously. I was unable to do so. So i went in to the office to find out why i couldn't pay my rent through the portal and at that time i was informed on XXXX XXXX  that the management had changed hands. I was aso informed at said time that the rent was increase to an amount that I was not able to pay. I proceeded to let them know that I did not intend to renew my lease and that I would be vacating said premises on or before the term end which was XX/XX/XXXX. I was only given 15 days to either pay the increased amount or vacate. I chose to vacate because the abmountl they increases it to was out of myl reach. 
I personally took my letter to vacate to the office and handed it to the person in charge. I gave them my forwarding address so they can forward my deposit which they did not do. I moved and was gone for almost two years and did not receive any notice or claims from them until I tried to move closer to my job. That is when I found out that the laid these charges against my name on my credit file. I have all my receipts and I never signed a lease agreement with this company in question ( XXXX XXXX ) I would like for them to please remove such negative remarks from my credit report because I never did business with them. I would also ask for them to please return deposits owed to me by the previous company the took the business over from. I have my documents to show if. It is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE XXXX ACCOUNTS THAT ARE NOT MINE : XXXX FOR {$520.00}, {$460.00} AND {$280.00}
Product: Debt collection

I was contacted by Ms. XXXX XXXX XX/XX/2020 from XXXX ( XXXX ) XXXX. She left a voice message and I called her back and told her dont contact anyone but me and that they needed to validate the debt by mail to me. She Also did not fully verify my name. She gave me two address for me and stated they had mailed out a letter on XXXX I believe. I told her I didnt get The letter which she replied That I should had. I again told her I hadnt got it. She said okay call me Friday when you get it. I never got a letter and have it set up where I can see all mail coming through usps. 
I was contacted again by Ms. XXXX today and I again told her I didnt get it. She gave me the address and I told her Im at the 2nd address and I didnt get it. She then told me that my account was going to legal at the end of the month if I didnt pay. I told her I did not get a letter please resend it. She said they had already sent it and that it was going to legal At the end of the month. I then told her that if it went to legal I would show up in court and let them know I asked for a debt validation letter and didnt Receive please resend it. She then offered to email it which I told her no and I want it mailed she because very irritate and basically threaten me that they would take further legal action against me. I dont remember exactly what she said but the call should of been recorded. After her statement I told her that I felt like she was threatening me anD that I need the debt verified. Once I said that she did not say anything even after I said hello but the call was not disconnected until I did so.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time
of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to investigate and remove the accounts and inquiries that are unknown to me, as reported on my Credit File. I recently discovered a relevant law, namely the FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that the Credit Bureaus are obligated to remove any such accounts, inquiries, or information within 4 business days after XX/XX/XXXX. I have previously mentioned this law in my complaints, and I am reiterating it now. The items in question are as follows : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXalance : {$2400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to emphasize that I did not initiate these inquiries nor did I authorize anyone else to do so on my behalf. I suspect that this is a case of identity theft, and I am taking appropriate measures to report it to the authorities. Although I am unsure about the exact nature of these unauthorized accounts and inquiries, I trust that you will conduct a thorough investigation to ascertain their legitimacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone has stolen my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED 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. 
I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was denied homeowners insurance because a loss showed up on my report from 2019. The loss was a theft filed on a XXXX policy belonging to XXXX XXXX. It was his homeowners policy for his home on XXXX XXXX. He was temporarily staying with me when he filed his claim. That claim got on my report. Even though my homeowners insurance was XXXX and not XXXX.
Product: Debt collection

Afni is tryi ng to collect on a debt on the behalf of  XXXX  that I do not owe. I have sent many letters to this company but they refuse to remove this derogatory remark from all  XXXX  credit bureau  s,   XXXX ,  XXXX   XXXX , and  XXXX . I spoke with  XXXX  and they are very upset with this company which I am a valuable customer to them ...   please have this company removed this remark off my reports as it is affecting my credit. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent proof of these unauthorized inquires to XXXX and Transunion XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.
Product: Student loan

I have had a loan with XXXX XXXX, now Navient, since XXXX. I recieved the loan because my father signed up electronically under my name and asked his friend to be a co-signer ( unknown to me at the time ). However, I have accepted responsibility for the loan and was told I could defer my payments while in school. However, in XXXX I w as informed that, even though I was im school, I no longer qualified for in school forbearance since it was a private loan. I began repayments and have periodically used forbearance as my only option when in between jobs ( a total of one year cumulative forbearance ). I called on Friday, XXXX XXXX to extend my one month forbearance and was told I no longer qualify for any temporary relief but could apply for interest only payments. I was put on hold and the representative came back to say I was approved and my loan would remain in forbearance for an additional week until my auto pay interest- only payment was processed. I completed an electronic agreement over the phone with the representative, getting confirmation # XXXX. 

Today, on Sunday, XXXX XXXX, I received an electronic message saying my request was denied and that my loan was now past due and in default since they had adjusted my auto-pay schedule ( thus, cancelling my old one ). My account now shows as 2 months past due and in default, which will not only negatively affect me but also my co-signer who also does not have the money to help. I have explained this to Navient and they said I am approved for this new plan, yet this paperwork was electronically sent today. 

They have done things like this im the past, such as saying I am in the in-school deferment program and then removing me randomly placing my loan status to default. 

They continuously do very little to work with me regarding reasonable payment options and it is getting increasingly difficult to deal with, as I am currently in between jobs. I hope there might be something you can do to help me resolve this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, TransUnion, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00}
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.
Product: Credit card or prepaid card

I have a Citi XXXX XXXX credit card that I've had for several years and use Citi 's accompanying XXXX Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from XXXX with XXXX and to remove XXXX from my XXXX Rewards account. On the XXXX Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XXXX  and the representative checked with her XXXX and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/, I spoke with a representative and then his XXXX, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The XXXX told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that.
Product: Credit card

I am writing to express my deep frustration and disappointment with SoFi Bank 's fraud department. On XXXX XXXX, I discovered that my credit card was fraudulently used for unauthorized transactions totaling {$830.00}. I promptly reported this issue to SoFi Bank, expecting a swift and professional response to help me recoup my stolen funds. 

Unfortunately, the agent assigned to handle my case has been unresponsive and unhelpful throughout this ordeal. Despite multiple attempts to contact them via phone and email, I have not received any meaningful assistance or updates regarding the status of my case. My calls are either not answered, or I am given vague responses that do not address my concerns. 

This lack of communication and support is unacceptable, especially when dealing with a serious issue like fraud. As a customer, I expected better service from SoFi Bank, and I am left feeling frustrated and powerless as my stolen funds have not been recovered. 

I am requesting that SoFi Bank 's fraud department take immediate action to resolve my case and ensure that I am reimbursed for the unauthorized charges. I also urge the company to improve its communication and customer service in handling sensitive matters such as fraud. 

Thank you for your attention to this matter.
Product: Checking or savings account

XX/XX/XXXX, I had my mother make a cash deposit to my acct in the XXXX of XXXX at the Wells Fargo ATM located on XXXX XXXX XXXX. The ATM ate the entire deposit and released a receipt to explain my acct was credited XXXX and that my acct would be fully refunded the entire cash deposit amt in XXXX business days, which is today, Tuesday, XX/XX/2022. The branch was called Tuesday, XX/XX/2022 and XXXX instructed me to call the number on the receipt to have the ATM audited to speed up the process. The number was called and a claim was submitted by claims specialist Friday. She noted my complaint and ensured me my acct should be credited with the correct amt She also offered a sincere apology for the occurrence with the faulty ATM machine. Fast forward to today, Tuesday, XX/XX/2022 and the claims specialists were particularly rude. Example, I inquired about the provisional credit on the acct and was told WELLS FARGO does not issue provisional credits on transactions involving Wells Fargo ATM machine. I would have to wait for an approval or denial of claim, after XXXX business days. When I stated the teller receipt said 2 days, the teller stated she didn't know why WELLS FARGO continues to give false information to their clients. I was floored upon hearing this statement and I told her that action represented fraud and I was filing a complaint with the CFPB to ensure WELLS FARGO abides by honest business practices, since WELLS FARGO has a documented history of engaging in discriminatory housing practices in reference to minorities, specifically XXXX XXXX, opening fraudulent bank accts for unsuspecting customers, and illegally confiscating funds which were cash deposited into defective WELLS FARGO ATM MACHINES. 
PLEASE ASSIST ME WITH RECEIVING MY MONEY AS A CREDIT TO MY ACCT. The lies have started with the bank employees and a higher authority, CFPB, is a necessity to receive my money into my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Inc Fraudulently Contacted one or all three credit bureaus without validating a this debt. I Required this company to supply me with a list of items to validate debt such as ; Proof of ownership, Proof of a contract between myself and their company, Proof company has a legal right to collect in my state ie. To date this company has failed to provide this information. This company is in direct violation of federal statues.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 

Issues with XXXX XXXX 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

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

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : 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 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, 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: Debt collection

Capital one gave an account to XXXX XXXX XXXX and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish
Product: Debt collection

I had a loan about 15-20 years ago, at the time my husband was deemed XXXX due to XXXX and XXXX XXXX. I communicated with them and told them I am no longer working and I was about to lose everything, these people have contacted me in the last few days about this debt, I kept getting emails that someone was pulling my credit ... well turns out it was them ... they were pulling my credit every 30 days to get information.I didn't give them permission to pull my credit. If that is the case, how easy it for anyone to steal my information and pull my credit and put things in my name. I am still battling with my husband and I have no income, we are staying with family to make ends meet and I have to deal with this ... even if I wanted to start over I can, they pull my credit every 30 days! MY SCORE IS in the LOW 400s now! WHO is going to give me anything!!!
Product: Checking or savings account

Bank of America closed my business account and dont give me the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, the consumer, rights has been violated. 

Pursuant to 15 usc 1681b a ) Subject to subsection ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given permission to report anything on my consumer report. No consent is IDENTITY THEFT. 
1. I am demanding the removal of this inquiry : XXXX XXXX - G 2. I am demanding the removal of this accounts : XXXX XXXX : XXXX XXXX : XXXX XXXX :
Product: Credit reporting or other personal consumer reports

5 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about : XXXX XXXX XXXX XXXX