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

TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXX Credit card account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX Inquiry was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX  : XX/XX/XXXX s another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in XXXX days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in XXXX days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages.

I demand that you respond to my dispute within XXXX  days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, 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.

I told Experian, to reinvestigate the account accounts on my consumer report. however they stated that everything was complete and accurate.How is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the rights to privacy.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states : 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

This loan was fraudulently taken out under my name. I did not live in Utah at the time, and I was not attending college in Utah in 2010. Transcripts will show that I was taking classes in Wyoming. This has been ongoing since 2010.
Product: Student loan

EdFinancial assumed faulty loans from XXXX and has not attempted to fix the issue on loans they assumed : Starting in XXXX of 2024 while XXXX owned my loans, there was an error in the amount on the single loan left that had not been paid off. I paid down that remaining loan to {$5900.00}. I had noticed in XX/XX/XXXX that the balance on this loan had drastically risen and that old loans of mine had returned with varying amounts. I had called over a dozen times to XXXX while they owned my loans and they have admitted to the mistake several times and kept saying that they would get it fixed and they never did. After they made some corrections they ended up with the old paid off loans that returned being rightfully wiped from the account but the remaining loan that I owed almost {$6000.00} to had risen to {$6900.00}. They essentially added XXXX on to the remaining loan balance and neglected to fix changes they were aware of. Later in the summer of 2024 they sold my loans to EdFinancial without fixing them. Ever since they sold my loans both XXXX and EdFinancial have been saying it's the other company 's responsibility to have this issue fixed. XXXX advised me to stop paying on the loan since it would cause confusion while they were sorting out the issue and said they would forgive the interest built on the loan ( this was prior to the transfer to EdFinancial ). The loan is now at EdFinancial sitting around {$7200.00}.
Product: Bank account or service

For the past XXXX months, XXXX, XXXX and XXXX of XX/XX/XXXX bank of america 's fraud department has continuously flagged my account and prevented me from making purchases at any automated fuel pumps. On each occasion I 've had to call and verify that I am in fact the person making the transaction. I 've also called to have my account unrestricted but, the problem still was not resolved. After speaking with a supervisor on my XXXX consecutive call I was told that it was because they had a wrong address in the system. However the problem still persist today. I 've had this account since XX/XX/XXXX and have been a loyal customer for years I find it extremely disappointing not to mention concerning that I can not count on my financial institution.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX TXXXX XXXX XXXX XXXXIL, ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX, ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # 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.
Product: Mortgage

I opened a HELOC line with Regions Bank mortgage ( Regions Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ) in XX/XX/XXXX. I wanted to complete the closing process of the loan at the bank located in XXXX but their loan by phone associate XXXX XXXX insisted I close it at my home since there was no notary available at two different branches I offered to close in XXXX. Finally, when I closed the loan, I wasn't informed about the recapture fee or any fee that would be payable if I terminate the HELOC account before 24 months of opening it. I specifically stated to their Loan by Phone mortgage consultant XXXX XXXX that I am opening the HELOC line just as a backup and I am planning to sell the home soon. Never during the HELOC opening process, I was informed about any recapture or prepayment penalty that would be applicable if the line was closed before 24 months. I would have never opened a HELOC line in the first place if I was told about the recapture fee since I was planning to put the home on market and had informed the same to XXXX over the phone. On XX/XX/XXXX, I visited their branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX to terminate my HELOC account since I was planning to sell the property and needed the account closed. I was absolutely shocked to hear that I have to pay {$970.00} for lien release to close my HELOC account that had XXXX balance and no activity since opening it. 

I would request consumer finance to take strict action against this bank 's unethical and incompetent employees who never explained any fees would be charged if I decide to close my HELOC account. Regions Bank 's Loan by Phone Department just wanted another mortgage customer added to their accounts. I reached out to Regions Customer Service team several times and they were unable to close my HELOC line without payment of {$970.00} fee. My resolution of this complaint would be waiver of {$970.00} recapture fee for lien release and closure of my HELOC account/line which has XXXX balance as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian last XX/XX/2021 and until now I didn't received any response, it is over XXXX days so now this is a violation of XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) Failure to send results of reinvestigation in writing within XXXX business days by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX XXXX XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Product: Debt collection

A debt showed on my credit report last year from XXXX XXXX for a supposed XXXX  bill that was not mine. I disputed the bill with all 3 collection agencies and it was removed as it should have been. Now a year later XXXX XXXX places the bill BACK on my credit report. Turns our XXXX XXXX and Convergent are the same company so this company after not being able to prove a false account has tried again.
Product: Checking or savings account

XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX PROPERTY LISTINGS Financial/Identity/Documents - Bank XXXX Guided me to use credit card to buy gift cards. I sent photo via phone to transfer cash Stolen XXXX XXXX ITEM QUANTITY BRAND CARD / ACCT NO COLOR LOSS REPAIR COST DESCRIPTION MODEL OWNER APPLIED NO $ $ INCIDENT INFORMATION XXXX XXXX XXXXXXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED *** XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MN REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE XXXX XXXX APPROVED BY : LOCATION TYPE Other/Unknown THEFT TYPE Use a trick or lie to get you METHOD OF ENTRY PT OF ENTRY ENTRY LOC PERSON LISTINGS Victim XXXX XXXX *** *** * XXXXXXXX XXXX  1 TYPE LAST NAME FIRST NAME DOB RACE SEX LICENSE/ID # STATE SSN RESIDENT AGE EMAIL CONTACT PHONE CELL PHONE XXXX MIDDLE NAME RESIDENCE ADDRESS *** EMPLOYER NAME WORK PHONE BUSINESS ADDRESS *** I was notified by email that more than {$800.00} was billed to a XXXX account, which I do not own or use. Called the XXXX number XXXX, putting me in contact with scammer. Always by phone only, he guided me to check my computer in a way that gave him access to it as well. He then faked transferring cash from my money market acct., to repay when I bought two equal amounts of {$500.00} with my XXXX XXXX. I purchased 2, gave him back codes, which gave him the amount. Then no one would sell me more gift cards, so he asked me to withdeaw cash, which he said he would transfer back to my bank. There I stopped cooperating, but assume he would have changed further cash into bitcoin, etc. for his use. May this help others if scammer is located. 
Phone # 's used : XXXX ( Michigan ) used 15 times ; XXXX ( Michigan ) used10+ times ; XXXX used 4 times. 
I am willing to prosecute. 
- Is video footage available? = [ No ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit started running my credit without my authorization several months back. I called and spoke with someone at XXXX and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. XXXX continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from XXXX. I have asked numerous times for this to stop, but XXXX continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but XXXX has done nothing. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I sought out the services of Lenme to assist in a short term financial issue that I was having. Being in a tight spot I went with the first option that I could get. Lenme happened to be that option, however, it was not what I was expecting it to be. The company ended up charging me a 200 % interest rate over the course of 1 year. Fast forward to last week, and I realized that something just wasn't right about this. I then attempted to contact the company, which only provides support through email or live chat. I requested to negotiate the terms of the loan, and maybe to refinance at a much lower affordable interest rate. That was immediately thrown aside and I was told that it could not be done. I began to feel very frustrated and defeated at that point. At a later date, continuing to be frustrated I requested a copy of the original agreement. The company has refused every attempt I have made to provide me with this information. To my understanding a company is required to provide this information if it is requested by the party it concerns. I then requested the company to terminate my authorization for automatic withdraws from my bank account which they refused. I know for a fact that this is in violation of CFPB rules, and I have pictures to prove this.
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 Number : XXXX has violated my rights. Or 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 a complaint on XX/XX/2024 ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XX/XX/2024 at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to XXXX, Equifax and XXXX to notify them that this account should be removed from my consumer report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. XXXX XXXX is reporting my account late for the past three months, XXXX XXXX isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.
Product: Checking or savings account

At approximately XXXX on XX/XX/year>, I attempted to withdraw {$2000.00} from my checking account and deposit a check for {$1700.00} @ the Capital One branch located on XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I provided my credentials and I waited patiently while the teller casually scrolled through my account for a good XXXX minutes, I directly asked her if there was a problem because it was taking a very long time to process my transaction. The teller stated that is there procedure to review the account, I waited some more while other customers came and went and then she stated that she needed authorization. I asked her for what, she went over to a phone to call and she was there for another 5 minutes and I am watching her and she is giggling. There was a male teller nearby, I asked if he was the branch XXXX and he stated no that their XXXX was unavailable in a meeting. I asked the teller to give me my documents, she photocopied my documents and I waited on line for another teller. The next teller stated that there is a restriction on my account and I asked her a restriction for what and was the restriction placed by the previous teller and she stated that she can't answer, the system did not allow them to see why. I remained in the branch and I called the bank directly, I was transferred to a different dept. ( I can't recall the name ). He stated that my account was flagged because the check I deposited was not signed by the name on the account and I explained that was accurate, it is signed by the person 's agent. He further stated there are business checks also previously deposited signed by the same person and I explained that is accurate as well because I work for him too. I embarrassedly waited until he stated that the review was completed and I could complete my transactions with the teller and I was able to do so without any further issues. A few hours after leaving the branch, I received an email stating that my accounts are under review right now because unusual activity very different from the way I normally bank. It further stated depending on the outcome your accounts may be closed and if your accounts are closed, any remaining balances owed to you will be transferred to your externally linked checking account ( which I do not have ) or check mailed to your address on file ( I need to verify that they have my current address ). I felt and still feel hurt, I did nothing wrong but ask a question and then it gets worst because you tell me I will get the final results of the investigation when it's completed with no timeline. I need to live, pay my rent and pay other bills through my account. I have automatic payments linked to my account, so far XXXX have bounced, who is responsible to pay these fees incurred and then the email states that I locked the card. So my questions, is what kind of games is being played? I did not know it was a crime to work everyday. I need assistance to resolve this matter.
Product: Consumer Loan

I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan
Product: Checking or savings account

{$4700.00} was supposed to be sent to me in a cashier check I have yet to recieve those funds. After I reached out many times telling them Close the account send my available balance
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 XXXX  Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX and 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.