23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really disappointed in XXXX XXXX, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time XXXX XXXX responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from XXXX XXXX so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
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 XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My XXXX  request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Im getting phishing emails from instacart and a collection agency saying I owe them money. They want to wire them money.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter - Request for Removal of Incorrect Addresses I am writing to dispute and request the removal of incorrect addresses from my credit report. After reviewing my credit report, I have identified several addresses that are inaccurate and do not belong to me. The correct address that should be associated with my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX State : MI ZIP Code : XXXX I kindly request that you investigate and remove all addresses that are not the one listed above. 

I understand the importance of accurate information on my credit report, and I believe that the presence of these incorrect addresses is adversely affecting my creditworthiness. I have attached copies of supporting documents, such as utility bills or official letters, to verify my correct address. 

Please conduct a thorough review and promptly update my credit report to reflect only the accurate address mentioned above. I also request written confirmation of the removal of these incorrect addresses once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, This morning, I noticed an unauthorized transaction on my Wells Fargo checking account. The vendor is XXXX XXXX XXXX and the amount of {$560.00} is in the pending state ready to be taken out of my checking account. 

I immediately around XXXX XXXX this morning called the Wells Fargo dispute department. They told me that someone has done an ACH transaction using my bank routing and account number. I told them that I don't do business with XXXX XXXX XXXX and that someone is trying to take funds out of my account without my authorization. Please see the screenshot as the that particular transaction is still in " pending '' state and has been received for processing. 

They further told me this ACH transaction of {$560.00} has been pre-authorized. I asked Wells Fargo that who had authorized this transaction and they were not able to tell me an answer because I certainly did not. Since this unauthorized transaction has happened today and still in pending state, I requested them to give me full credit ( {$560.00} ) back which they refused. I request CFPB to help me recover these funds as soon as possible as I need to pay my end of the month bills. 

Thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605C, which grants XXXX  XXXX  survivors the right to have adverse credit information resulting from fraudulent or coerced financial activities removed from their credit reports. 

Under FCRA Section 605C, credit reporting agencies are required to block and remove any negative credit information associated with accounts that were opened or used as a result of XXXX  XXXX. Despite my request to Equifax to delete the following fraudulent accounts : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Equifax has not complied with the FCRA. I have provided supporting documentation confirming my status as a XXXX  XXXX  survivor, and I am invoking my rights under FCRA Section 605C. 

I am requesting the CFPB 's intervention to ensure that Equifax follows federal law and immediately removes these accounts from my credit report. 

In support of my claim, I refer to the following case law, which emphasizes the obligations of credit reporting agencies to protect XXXX  XXXX  survivors under the FCRA : XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX : Highlights credit reporting agencies ' responsibilities in handling cases involving XXXX  XXXX  survivors under the FCRA. 
XXXXXXXX XXXX XXXX  XXXX, XXXX. XXXX : Reaffirmed credit reporting agencies ' duty to comply with FCRA provisions regarding identity theft and XXXX-related cases. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Provided precedent for how coerced financial activity should be handled under the FCRA. 
XXXXXXXX XXXX Equifax Information Services LLC, XXXX. XXXX : XXXX XXXX responsibilities in removing adverse information for XXXX  survivors. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX : Established key standards for handling credit disputes involving survivors of abuse and XXXX. 
XXXXXXXX XXXX. Equifax Information Services LLC, XXXX. XXXX : Reiterated the importance of accuracy in credit reporting when coercion or fraud is involved. 
I ask that the CFPB ensure that Equifax complies with these legal precedents and fulfills its obligations under the FCRA.
Product: Debt collection

Capital One Auto Finance kept calling me day after day including on weekends no matter that XXXX weeks before this complaint I already contact them and inform them to stop any calls to my cell phone and if they want they can send letter true mail. 

At that moment the agent told me she would put me in do not call list but after that XXXX other agents call me again from the same number ( XXXX ) On the XX/XX/2024 at XXXX pm I got another call from Capital one and I inform the agent clearly that he was violating my right and the agreement. 

I record the phone conversation so XXXX can proof for a Lawsuit against this company.
Product: Debt collection

Hello, I am receiving collection letters from Estate Information Services , LLC XXXX for a debt by a deceased family member, whose Estate is insolvent. They have been notified in writing about this and continue to send letters for payment and calling leaving messages with other family members. The original company was XXXX XXXX, and I suspect they sold this to a collection agency. 

The letter is asking for {$2500.00} to settle the debt. Rec 'd the letter in XX/XX/XXXX. 

I attempted to call them and they only want to speak with my elderly mother, who has XXXX. I refuse to subject my mother to these tactics. She had an Estate Attorney who also has previously addressed this debt. 

My father has been deceased since XX/XX/XXXX.
Product: Debt collection

I asked for verification of the debt from the bank because I had identity theft and I don't recognize it. I asked them to stop calling and only communicate via mail, .and to stop contacting family members. They have continued to call family members and imply that they are suing and that the family member is legally obligated to assist them. Multiple family members have called me scared because of their language.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX, XXXX 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 XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX.
Product: Student loan

I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.
Product: Mortgage

I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money
Product: Credit card or prepaid card

I hold a XXXX XXXX card and my payment is due on the XXXX of each month. On the XXXX or the XXXX when I log on to make my payment, the system is always down. It has happened 3 or 4 months in a row. After complaining I was transferred to an agent in another country. I do not feel comfortable giving my payment information to an agent in a foreign country for processing. I asked for a supervisor and the agent pretended to be a supervisor, and I later found out that the supervisors dont come in until an hour later. He tried to change his voice and threatened me with late fees if I didnt pay him. I refused and he spouted my bank account information off. I do not appreciate them allowing access to my information without my permission. When I signed up for this card the agreed upon payment methods included online self managment. Those options are not being made available to me, which is that I should be able to self manage the account online. I feel this is done intentionally to encourage incurrence of late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment!
Product: Debt collection

I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXXXXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Product: Debt collection

On XX/XX/XXXX, I sent a validation letter to United Revenue Corp for a debt in which they reported to the credit bureaus without notifying me first. When I did not receive a response from United Revenue Corp, I disputed the account with all three credit bureaus. I later discovered that the account that was being reported by United Revenue Corp was related to an unverified medical debt. Over the course of the next 2 years, I sent 5 more letters to URC, one of which dated XX/XX/XXXX was a HIPAA violation letter. Finally, I received a response on XX/XX/XXXX in which they claim that they were providing validation of the debt. URC has missed the most important fact that my Texas Physician Resources does not have a HIPAA release consent from me which would allow my medical information, if this belonged to me, to be released to anyone. I informed URC of this and they have failed to correct their wrong. This is a violation of my HIPAA rights and I am reaching out to your organization to report this company before I proceed with legal actions.
Product: Debt collection

They never told me I have a right to dispute also I sent them a debt validation letter I asked about information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g The document they sent me the judge name and date is not on there its blank it looks they put there name on because it's from 2013 why would they just now contact me about it. Another collection contacted me about this before they didn't provide any proof they own this debit
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a wig through this hair company through instagram. I paid for it through the company XXXX thinking it was a legit business, but it is a scam company. I made all four payments on time and NEVER received my wig from the scamming company so I tried disputing the charges through XXXX a number of times explaining that I NEVER got my wig and they gave me XXXX after XXXX so I disputed them through my bank and now they reporting to my credit as if they didnt get the payment but they did. I dont owe them XXXX they owe me all my money back but I only received half of it! I reported them, XXXX, to the XXXX and noticed I wasnt the only one scammed by these scammers.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX, XXXX  and XX/XX/2024 ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client for Bank of America for o ver four yea rs I have never been late on my payments. I have always paid before time and sometimes I pay more then what 's the statement show.     On the month of  XXXX    XXXX   they allowed my credit line to be over  XXXX  without my permission or prior authorization.     But nevertheless the bill was {$930.00} and I paid {$950.00}. When I pay my bill it was on  XXXX   XXXX  because the last transaction that I used was on  XXXX   XXXX . And the total transactions at the closing date of the  six wa s {$930.00} They did an adjustment to the credit for {$39.00} and they call that annual fee that was built on  XXXX    XXXX  . But I did notsee that on my online statement when I paid the bill.     I called Bank of America a representative was very cooperative and they assured me that it will be taken care of and they will take it out my credit report. Call was made on  XXXX   XXXX    XXXX   I received a letter on  XXXX   XXXX  stating that the 30 days was valid and they can not change it. After I was being assured that it will be handled and taken out of my record.     Thanks
Product: Mortgage

On XX/XX/XXXX, I scheduled a one-time payment for XX/XX/XXXX via XXXX for my FHA mortgage. Later that same day, I deleted that schedule payment ( see attached payment deletion confirmation email received from XXXX on XX/XX/XXXX ).

On XX/XX/XXXX, XXXX withdrew the mortgage payment from my account ( despite confirming they deleted the payment authorization! ), putting me at risk of other payments being rejected ( copy of withdrawal screenshot also attached ).