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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear Equifax, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account.FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 
Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the E-Oscar system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 
Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 
I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 
I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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, 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 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}.
Product: Debt collection

I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my CitizenBank student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent Bank XXXX XXXX inquiries on my credit report I have never applied for a Bank XXXX XXXX checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank XXXX XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank XXXX XXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, there was a fraudulent attempt to cash a check ( # XXXX for {$2000.00} ) that I wrote to the company that manages the property where I lived in XXXX for rent for the month of XXXX of that year. Wells Fargo contacted me in the following weeks about what they suspected to be a fraudulent attempt to cash the check, but because of Wells Fargo 's history with phone scams I elected to contact my own bank XXXX XXXXXXXX XXXX XXXX to settle the matter. I filed a claim regarding the matter ( as my landlord claimed to not have received the funds, and he normally deposited checks with XXXX, not Wells Fargo ) in XXXX of XXXX I supplied all necessary affidavits to support this claim by XXXX of XXXXXXXX and was told this may take up to 120 days to process. There are records of mine that were uploaded into their system on XX/XX/XXXX, which at this point is still over 120 days in the past. In attempts to have XXXXXXXX XXXX release these funds to me, they have informed me ( the person working on my case through the manager of a branch closer to where I live now ) that they are unable to give me the funds because Wells Fargo is refusing to respond to them in regards to the claim.
Product: Debt collection

This is regarding WakeField & Associates Debt , Inc. 

Contact info for them : XXXX or XXXX XXXX XXXX XXXX XXXX, TN XXXX I received a statement from XXXX XXXX XXXX in late XXXX of XXXX and arranged a payment schedule with them. I was out of the country visiting family and when I returned, I received a call from them stating they had missed my payment. Right away I made a payment ( XX/XX/XXXX ) for {$92.00} and they sent me a receipt. I've been receiving repeated phone calls with the latest being around XXXX XXXX  on XX/XX/XXXX from WakeField & Associates stating I needed to pay {$94.00} for this bill. I advised them I paid the bill back in XXXX and they needed to update their records. Their representative XXXX advised me the bill was still due but stated if I wanted I could send a receipt. I advised him I would call back. 

I called back and spoke with XXXX XXXX ( Employee ID # XXXX ) on XX/XX/XXXX where I requested the email to send the receipt stating the account had been satisfied in full for {$92.00}. 

I noticed they are collecting interest, on medical debt! What an absolutely abusive and corrupt company. 

I also wanted to confirm they had another account against me which he provided the account number for ( XXXX ) for {$60.00} due to XXXX XXXX XXXX. XXXX stated the balance due was {$60.00} and the initial contact via mail was sent on XX/XX/XXXX. I asked XXXX what the date of service was and he stated XX/XX/XXXX. A 3 year old debt was now being presented against me without any  evidence or verification of this debt? I asked him how long ago the account had been placed into collections. 

XXXX XXXX advised me that WakeField & Associates received this account and entered it into their system on XX/XX/XXXX and didn't bother notifying me until XX/XX/XXXX. I wonder how much of this is interest. I advised him I was tired of their abusive acts and was willing to spend my time fighting this and showing others how corrupt the company he works for is. I requested to speak to a supervisor and XXXX XXXX stated a supervisor was not available today but could call me between 24-48 hours. 

I asked XXXX XXXX to confirm the following : " I was not able to speak to a supervisor or a floor leader for a collections agency that is attempting to collect a debt in the state of Tennessee, and that said supervisor or team leader was not even present that evening. '' He said yes ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had two hard inquires ran against my credit from Capital One and XXXX XXXX XXXX
Product: Debt collection

In early XXXX, I sent Capital One an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that Capital One did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.
Product: Checking or savings account

I bank at Capital One. I usually get my direct deposit on Wednesday 's but Capital One has had " Technically Difficulties '' with their vendor. It is now Friday XXXX  and I still don't have my paycheck. I have several bills being declined and am now receiving late fees and charges.
Product: Debt collection

Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Fifth Third Bank will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by Fifth Third Bank. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Product: Vehicle loan or lease

An extra {$100.00} paid was applied to the interest of my loan instead of the principal. I've spoken with 5 different people and was not able to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed my info and a copy of the unauthorized, incorrect and incomplete account ( s ) numbers and amount ( s ) stated on my credit report to all three major credit reporting agencies disputing the correctness, completeness and authorization of the account ( s ). I did get a response within thirty ( 30 ) days. They stated they could not find my account ( s ) and therefore could do nothing about the disputes. i rechecked my credit reports from all three credit reporting agencies and nothing has been changed. i have gone back again and started more disputes online again. The information on my credit reports are inaccurate, incomplete and as well as unauthorized. The companies reporting the information on my credit reports to the credit reporting agencies i have NEVER done business with and DO NOT have my authorization for anything! The information that is being reported is incorrect! I want the unauthorized, incomplete and inaccuracies removed immediately!
Product: Credit reporting or other personal consumer reports

delete hard inquiries ccordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report, and it showed several hard inquiries that I do not know of ever authorizing. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Item No. Creditor Account Navy FCU DATE OPEN XX/XX/XXXX, XXXX XXXX  DATE OPEN XX/XX/XXXXXXXX XXXX XXXX  DATE OPEN XXXX XXXX  XXXX XXXX XXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX AND XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/2024 EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD  PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX i am bank of america customer for 15 years. my business is XXXX XXXX and only way i can get paid from my client is through XXXX letter of credits or documentary collection. Bank of america offer these services as per their portal, however, beside my best efforts, i am refused as i am not a " XXXX XXXX XXXX XXXX '' as being told to me by business banker as well as treasury services. i dont know how to resolve it as i am being discriminated due to no fault of mine. Bank of america is offering services as such to many businesses but i m told, i am not qualified. i am refused any explanations or any policy references to relate to. 

I was told to get a referral from business banker. However business banker told me i am not qualified due to XXXX XXXX XXXX  limit.
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 Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 

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 XXXX XXXX