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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX OF XXXX Date XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally report persistent issues with fraudulent items on my credit report and the failure of credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my repeated efforts to resolve these issues, inaccuracies continue to be reported, which significantly impacts my creditworthiness and financial well-being. 

The specific fraudulent items on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following credit inquiries, which are not authorized and potentially fraudulent, appear on my report : XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK Despite previously disputing these items and having some removed, they reappear on my credit report without proper notification or verification as mandated by the FCRA. The credit bureaus have failed to notify me of these reinsertions as required under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that if information is reinserted, the bureau must notify the consumer and provide relevant details. 

Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies, and the bureaus are obligated to conduct a reasonable investigation and remove disputed items. The repeated insertion and reporting of these fraudulent items without proper investigation and notification violate these provisions and undermine my ability to maintain an accurate credit report.

I request that the FTC investigate these ongoing issues and take appropriate action to ensure compliance with consumer protection laws and fair reporting standards.
Product: Debt collection

I am formally notifying your company that unless the necessary steps to address this matter are completed within 10 days, I will file a complaint with the FTC. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification of address i have never used.. Wrong information.
Product: Checking or savings account

I opened a brand new checking/savings account with Citizens Bank XXXX XX/XX/XXXX. Subsequently, I transferred {$900.00} into the Citizens checking account from my XXXX checking account, that was processed and present in the account as of XX/XX/XXXX. On Monday ( XX/XX/XXXX ) I wasn't able to log into my account, so I called customer service. The Citizens Bank agent told me that the account was actually locked and he couldn't get into it but that I'd receive a letter in the mail. I called and was able to get through to the fraud department within Citizens Bank and spoke to a supervisor who stated the account was closed as of XX/XX/XXXX and that I could either go into a local branch to 'try ' and withdraw my {$900.00} or I'd receive a check in the mail ( which I feel is vague/misleading ). She also could not give me any rationale or reasoning behind why or how this could've happened, let alone so quickly after I just opened the account.
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint against NTL RECOVERY AGENCY, a debt collection entity operating at XXXX XXXX XXXX XXXX XXXX XXXX I have been subjected to what I believe are unlawful debt collection practices that are causing severe financial and emotional distress. I kindly request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate and address this matter promptly. 

I was contacted by representatives of NTL RECOVERY AGENCY who claimed that I owed a debt that they had acquired from a third party. During our conversation, it became apparent that the debt collector had purchased this alleged debt without any valid legal basis and proceeded to report it to the credit bureau. I attempted to seek clarification regarding the origin and legitimacy of the debt, to which I was met with coercive tactics and threats to my credit score. 

The debt collector 's representative asserted that regardless of my protests of innocence and the lack of supporting evidence, they possessed the means to negatively impact my credit score irreparably unless I complied with their demands to settle the debt. In an alarming admission, they revealed that they had reported the debt as a " other debt collection '' rather than accurately categorizing it as a medical debt. This intentional misrepresentation was purportedly aimed at maximizing the negative impact on my credit score, with the evident objective of pressuring me into compliance. 

It is important to note that I have undergone significant hardships, including the aftermath of flooding in XXXX  and the subsequent challenges posed by the ongoing pandemic. As I endeavor to rebuild my life and secure housing, my credit score is of paramount importance. Regrettably, NTL RECOVERY AGENCY appears to be exploiting my vulnerabilities to their advantage, demonstrating a disregard for ethical debt collection practices and consumer rights. 

In light of the aforementioned, I implore the Consumer Financial Protection Bureau to take immediate action to investigate the activities of NTL RECOVERY AGENCY and hold them accountable for their unlawful and coercive debt collection practices. I am seeking remedies that will not only halt any further damage to my credit score but also prevent similar misconduct against other vulnerable individuals. 

I kindly request that you consider this formal complaint and take the necessary steps to ensure a fair and just resolution. I am prepared to provide any additional documentation or information required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit card

We were charged XXXX for XXXX XXXX seats on XXXX XXXX to XXXX. We have contacted XXXX and Chase ( the issuer of the credit card ). Both responded that we had XXXX XXXX seats so no refund was due. That misses the point. We do not dispute that we had XXXX XXXX seats ; the issue is that we were charged XXXX. 
The confusion stems from the following sequence : -- -XX/XX/XXXX We made reservations for the round trip to XXXX and purchased XXXX XXXX seats. 
XX/XX/XXXX We purchased a year long subscription for XXXX XXXX seats from XXXX. 
XX/XX/XXXX We contacted XXXX to cancel the reservations made on XXXX within the XXXX hour window for no-penalty cancellations. We explained to the agent that we intended to rebook and use our XXXX XXXX subscription to obtain XXXX XXXX seats on the new reservation.She said there was no need to cancel the reservation. She would adjust it to reflect our XXXX XXXX subscription. She did so ; sent a confirmatory email ; and the amount charged our credit card reflected the air fare with no charge for XXXX XXXX seats. 
XX/XX/XXXX XXXX charged our credit card for the XXXX XXXX seats with no notice to us. We learned of the charge in XXXX when we received our monthly statement. 
XX/XX/XXXX We submitted a written refund request to XXXX. 
Late XX/XX/XXXX After receiving no reply from XXXX, we submitted an electronic refund request. 
XX/XX/XXXX We submitted a refund request to Chase Bank, the issuer of the credit card. 
XX/XX/XXXX We received notification from XXXX that our request was denied because we had received XXXX XXXX Seats. 
XX/XX/XXXX We supplied Chase Bank with written documentation of the above transactions. 
XX/XX/XXXX We contacted Chase Bank to ask what was happening with our refund request. We were informed it had been denied because we had received XXXX XXXX seats.
Product: Student loan

I submitted a re-certification of income based payments with my spouse information on X/XX/17, Fedloan Servicing states I " did not request spousal loan debt until X/XX/17 Income Driven Repayment Plan Application. '' Since they did not receive it and/or process the paper work until X/XX/17, I had to pay {$520.00} compared to my payment in XXXX 2017 of {$290.00} and my payment in XXXX of {$390.00}. I asked for a review of this payment. My " over-ride was denied and their reason is the aforementioned quote. The did offer to refund my payment of {$520.00} and stated it would not count toward my 120 qualifying payments for the Public Service Loan Forgiveness program. Fedloan Servicing overcharged me {$120.00} for my XXXX payment.
Product: Debt collection

I seen a collection on my credit report to a company that I did not use since XXXX and shows all paid. And now I have an acct showing on my credit report from XX/XX/XXXX which I did not open. I have tried to dispute but I don't see any changes or explanation on the report from results.
Product: Debt collection

The debt was from XXXX XXXX XXXX XXXX XXXX for a modem which I returned to the company in XXXX 2015 ; XXXX issued a receipt to me but did not clear the {$60.00} from their records. The company recorded {$60.00} as a debt and transferred the collection to Credit Control Corporation which has added {$31.00} to the original amount being collected. CCC is now sending me collection letters for {$91.00}. This debt is not only unjustified, it is entirely wrong and has been recorded in my credit report thereby affecting my credit score. Please have it removed from my credit reports.
Product: Debt collection

Are you the original creditor? Can you prove to me beyond a reasonable doubt that I have a signed agreement agreeing to pay your company? 

How did your company obtain my medical information? Can your company prove that I authorized your company any type of written consent to obtain my medical history If you cant present me with proof that I allowed your company to obtain my medical records then your company is in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996
Product: Debt collection

In XX/XX/, I moved from my old address to a new address and closed my XXXX internet account. In XX/XX/, I noticed a new XXXX account opened at my old address ( in a different apartment ) under my name and that I was being charged. I believe this new account is a result from identity theft, and that I am not obligated to pay its charges. 

In XXXX XXXX, I communicated multiple times with XXXX  to get the fraudulent account closed and charges removed. XXXX  told me that the issue was resolved. 

In XX/XX/, I started getting debt collector phone calls. I also got a collection note on my credit report which negatively affected my credit score. I eventually paid the XXXX $ that they asked for, just to stop the debt collection from bothering me.
Product: Money transfer, virtual currency, or money service

I have been using my PayPal account for a few months, and since day one had nothing but trouble.They forced me to provide my personal information which was not required during account opening, but even after receiving all the information requested, they fail to process payments 60% of the time. Every time I call in and ask what seems to be the issue, I get a response that it’s a security concern and they can not disclose specifics. When I sold items, my funds were kept on hold as well, but at least they were released later on. Now I am trying to make a payment for a product I purchased on XXXX, and once again I am being told that for security of my account I can not make a payment. I don’t need PayPal to provide me security, I need PayPal to do what they claim they do, process a payment, since their largest share holder, XXXX, forces their sellers to accept payments through PayPal, which should be an antitrust concern addressed by DOJ as well.I was given a million different reasons why my payments are being blocked. “My purchase pattern is not consistent”, which means if I buy a $XXXX  toy for my son,  I can not buy him $XXXX  XXXX, because they are 8 Times as expensive and definitely can not buy a $XXXX watch. What PayPal is doing is criminal, and it has cost me a lot of money and aggravation. They feel that they are above the law, I hope that CFPB can explain to them that they are not.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since last XXXX with them and they have failed to follow the FCRA requirements. I don't understand why it is so hard to report accurate information and when they send a reply back they " update '' one thing to make it look like a human is actually reading these letters and they cant be because if they were they would have seen how inaccurate and incomplete this account is. I have attached proof of the review of their investigation as you can see there are still inaccurate things being reported and after 8 months of disputing and them failing to do their job per the FCRA its time for this to be DELETED.
Product: Mortgage

XX/XX/2023 I contacted Wallick & Volk to apply for a mortgage on a property XXXX XXXX XXXX XXXX, Wy XXXX. 
This property was owned by an XXXX  that I was a XXXX in. When I applied for the loan they insisted that I could just simply refinance onto the property from the XXXX straight to my name. My understanding was this wasn't possible, yet they insisted that my information was wrong and this was the " only option '' I had under these circumstances. 
I had already committed to paying for an appraisal and was not in a position to start again with another lender. We had fine communication and I we worked through the process as my other lending was coming due. The problem arose the week I was told we would be closing. I had been emailed a settlement statement so I assumed everything was ready for closing. This was late XX/XX/ 2023. We were 50 plus days into the process I'd payed for an appraisal and from all the communications from Wallick & Volk we were on track to close. I was even asked what day I preferred the closing to be. The Monday before closing I was contacted by my loan officer and told that this couldn't be done as a refinance and that we had to do it as a purchase. Basically starting over to the very point that I said we would have to from the very beginning. My time was almost to the end and they knew this so within a week by some miracle they had a " purchase '' agreement with higher interest ARM, I was made to pay for another appraisal, and 3 times the closing cost. since my time was almost up they even refused to negotiate the closing cost which came to {$14000.00} on a {$210000.00} loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a credit alert from XXXX stating that my credit was accessed. I immediately logged in to see that Bank Of America has accessed my credit report. Concerned that an account was open in my name I contacted bank of America right away by calling XXXX XXXX XXXX. I spoke to a lady by the name of XXXX she looked up my account using my social and stated no account as open and that she did not see an application on file. I thanked her for her time. on XX/XX/year> I received a second alert from XXXX about bank of America. I called them and was told the same thing. I asked them to remove the inquiry from the account. They told me there was no need to remove an inquiry as there was not account inquiry on file. Yesterday, XX/XX/year> I received a letter stating they had declined my application for an XXXX  XXXX credit card.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was emailed through the school system of Oregon XXXX that a remote job opportunity was available paying {$350.00} a week, as an assistant to a professor. I responded showing my interest. On XX/XX/XXXX They said the next step to acquiring the job was to make a list of supplies that I would need as an assistant. A laptop, a printer, a stack of papers, and a self-inking date stamp. They sent me a Bank XXXX XXXX check for the total amount of the supplies plus first weeks pay. {$1000.00}. I thought I had a job. The check was being processed, but I had {$400.00} immediately available. I was asked by the professor to send {$680.00} through XXXX to a sales representative for them to purchase the printer and self-inking stamp. I thought that if anything were to happen and the job didn't work out I would only lose around {$280.00}. I tried to send the transfer. Wells Fargo properly flagged it down. I received a call from customer support for Wells Fargo at XXXX PM on XX/XX/XXXX. The person on the other line asked if I knew the person I was sending the money to. I replied no. The person on the other end got impatient, " Well did you authorize the transaction? '' This is where I think they made a big mistake. The operator just wanted me to say enough to cover Wells Fargo in the case of fraud. It was not their intended purpose of keeping people 's money secure by asking more questions and making sure this was not a scam or fraud attempt. After the funds were sent I was more hesitant to send more money. The check was said to clear on the XXXX the XXXX funds didn't send until the XXXX. On the XXXX, I realized I was scammed and took screenshots of all the conversations. On the XXXX, the day after the funds were sent, I called Wells Fargo to file a fraud/scam claim. They took down this information and said they filed a claim. It is XX/XX/XXXX and I have received no communication from them. I have since changed my passwords, username, and turned off digital wallets, but there should have been more done by Wells Fargo. Especially considering how close the date of the claim was to the sending of the money. 

Attached is screenshots I took on XX/XX/XXXX of all the messages both over email and text. There are also two screenshots of the calls between myself and Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was purchased from XXXX XXXX in summer of XXXX and the company that XXXX contracted through was Tempoe. Several months after I was unable to keep up with the payments when I had an extended illness, having XXXX twice in 6 months that had a long recovery each time. The company eventually stopped contacting me, they werent reporting this on my credit reports at any agency until a few months ago. Suddenly, after 5 years they are intentionally trying to damage my credit by reporting this on my reports and calling me regarding this old account. This is way outside the collection window.
Product: Payday loan, title loan, or personal loan

I took a payday loan with XXXX XXXX and due to my health crisis I was put in a position where I could not pay it back. I have chronic XXXX, XXXX XXXX XXXX now and XXXX problems. I sent them a letter about my conditions and about me being judgment proof because I am on XXXX as my sole income. Theye got that letter sent to them certified on XXXX XXXX, XXXX and they debit my account of XXXX on XXXX XXXX, XXXX. Thing is the ACH debit was for Scotts XXXX XXXX XXXX a different amount from what I owed. So the charge would go through because I stopped payment on the check. The owner is desperate because he is going to jail for a theft ring with his stores and getting money by fraud is not going to matter.