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

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not XXXX '' which is a violation of the law. 

XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. One relevant case that addresses the obligations of CRAs is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a XXXX form used or was this through electronic automatic dispute verification? You have 15 days to respond
Product: Credit reporting or other personal consumer reports

I am writing in regards on my ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; FST PREMIER XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$210.00}.
Product: Money transfer, virtual currency, or money service

XXXX close my account without any reason, i received my payment from my unemployment. 
XXXX MY MONEY IS CLEAN, IS NOT FRAUD OK. 
MY AACOUNT DO NOT HAVE ANY CHARGEBACK. 

i sent all my information for verify my personal information. 

if PayPal don't want me use the service anymore is fine. 
NOW I WANT YOU TELL ME WHEN MY MONEY IS AVALIABLE FOR WITHDRAW. 

TELL ME WHEN ARE YOU GOING TO GAVE ME ACCESS TO MY MONEY. 


MY EMAIL IS XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I filed a claim with Regions Bank last month about some transactions that I am not familiar with.

Regulation E requires financial institutions to investigate and resolve errors in a timely manner, it also outline general timeframes, and the institution must generally complete its investigation within 10 business days of receiving notice of the error. If more time is needed, it can take up to 45 days, but the consumer must be provided with provisional credit during this period.

Although 10 business days have passed, Regions Bank has failed to credit my checking account ending in 0241. They are now in violation of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). I have been patient which Regions Bank, but they are required to operate in compliance to 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) when handling a consumers funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXXB ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX The consumer reporting agency that is reporting this account has violated my rights. 

I looked at my Transunion credit report on XX/XX/scrub> 2024, after I received an alert regarding an account that was being reported, TD Renovate. Upon further review, I noticed some of the information on this account is incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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.

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Just received a notice from XXXX XXXX that a hard inquiry was made on my credit that was unauthorized by me. The agency was XXXX XXXX XXXX, made in XX/XX/2019. Since I have wonderful credit, this will take 2 years to go off my credit report and lower my score. I don't believe that a company can make a hard inquiry without letting me know about it. And since I already have XXXX XXXX XXXX, and have had them for 2 years, why should they make a hard inquiry anyway?
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I noticed inaccurate late payment records on an account where I have always made timely payments. I have enclosed the inaccuracies in red in the attached file. Since consumer reporting agencies are responsible for maintaining accurate records, it is essential that my report reflects only verified and correct information. I have never missed a payment on the following account : XXXX. Therefore, I request a detailed review of these discrepancies and ask that you provide documented proof, such as billing statements, to support the reported alleged late payments. If no such evidence exists, I insist that these records be updated immediately to reflect my consistent on-time payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX D.O.B XXXXXX/XX/year> : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer 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. This fraudulent, inaccurate, and false. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, appearing on my consumer credit report were not opened, made, or initiated by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Wells Fargo has illegally placed {$250.00} on a 45-day after I told them it is not fraud. They will not honor a district court order removing my ex-husband from account. Therefore, they have no right to hold my money. The Fraud Department supervisor is never available to address the issue. A Wells Fargo representative from another department contacted me saying it will be XX/XX/XXXX before I heard from him. 

At this point, I am seeking legal counsel to address the matter and filing suit.
Product: Checking or savings account

This complaint is about First National Bank of Pennsylvania. My elderly Mother has had her checking account scammed two times within 6 months. The first time was for the amount of {$380.00}. It was an ACH withdrawal from a company called XXXX XXXX. I called the bank the same day and made them aware of a possible scam. Sure enough in a day or so the bank paid the unauthorized draft after I had asked them to close her account because she was likely going to be scammed. The bank filed a dispute claim but it was never resolved. ( I am on her account so I can speak for her ). I called the fraud department several times but received no resolution. The second ACH withdrawal just took place XX/XX/2018. Once again she has been scammed out of {$380.00}. This time the companys name was XXXX. The check number was XXXX. The company listed a phone number on the ACH withdrawal that was XXXX. I again called the bank and explained what happened and was told they would file a dispute claim. I am confident that First National Bank will do nothing just like they did the first time. I would also like to add that my Mother has not received any products from either withdrawal.
Product: Checking or savings account

I had set up an online joint savings account with Marcus by Goldman Sachs in XX/XX/XXXX as an emergency fund for my me and my wife. Over the course of 4 months I had deposited approximately {$41000.00} into the account. On Monday, XX/XX/XXXX, I attempted to withdraw {$32000.00} from the Marcus account and transfer into my connected XXXX account. I was called on Tuesday, XX/XX/XXXX, and told my transfer request could not be completed and would be reversed. When I asked for details I was told the reason was because my most recent deposit in XXXX came from my wife 's connected XXXX account and the funds would have to be returned to that account, despite the fact there were multiple connected accounts. On Wednesday, my wife requested the entirety of the account balance be transferred to her connected XXXX account as they had instructed. Another Marcus customer service representative reached out to me again to state the transfer would not go through despite a previous representative explaining my wife 's connected XXXX account was the only account we could transfer funds could safely be transferred. I asked to speak to a supervisor as this was a direct contradiction to what I had been told on Tuesday from a different representative. When I explained the situation to the supervisor who was named XXXX, they asked me about savings goals, and that the intent of the account was to hold on to my money long term. It is not up to Goldman Sachs to determine how long I need to hold my money in an online savings account before I can withdraw. When I challenged them they said we could try the ACH transfer again, but I would risk it being reversed again. The only way to regain my funds would be to cancel the account and wait for a check to be mailed. At the end of the nearly XXXX hour long phone call, the representative abruptly ended the call and said I was " acting like I'm XXXX hard of hearing. '' As explained previously, this account served as an emergency fund for my family and I'm now needing to utilize it. This has been horrible. I cant even move my money if I initiate the transfer on the phone with one of their own employees without it getting reversed. The money is essentially being held XXXX when I need access to it most. I was not expecting this from Goldman Sachs. I just need access to my account and I will take my business elsewhere, but not before my funds are released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request to Remove Incorrect Information from Consumer Report I hope this letter finds you well. I am writing to request the removal of any information from my consumer report that does not correspond to my current name and address, as required by consumer laws. 

I have attached the following documents to support my request : 1. Identification ( Driver 's License/State ID ) 2. Passport 3. Recent mail These documents serve as proof of my current name and address, and I kindly request that you update my consumer report accordingly. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It has come to my attention that there may be inaccurate or outdated information on my consumer report, which is in violation of consumer protection laws. I understand the importance of maintaining accurate and up-to-date information, and I kindly request your assistance in rectifying this matter. 

Please review my consumer report thoroughly and remove any information that does not pertain to my current name and address. This includes any previous names, addresses, or any other personal details that are no longer applicable. 

I would appreciate it if you could provide me with a confirmation of the changes made and ensure that my consumer report reflects only the accurate and current information. Additionally, I kindly request that you inform me of any further steps I need to take to ensure compliance with consumer protection laws and to maintain the accuracy of my information across all credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful removal of any incorrect information from my consumer report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Good afternoon. My name is XXXX XXXX. I had gotten a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX this year I made all my payments until I was jumped and robbed of my vehicle. I was sent a letter from Robinson, Hoover XXXX XXXX, XXXX saying that I owe {$17000.00} and that it will be sent to the company ASAP. I lost my car XX/XX/XXXXXXXX XXXX XXXX XXXX  until XX/XX/XXXX. I shouldn't owe this money as I had no way to pay it. I would like to complain as XXXXXXXX XXXX  and XXXX XXXX police department are aware of my vehicle being stolen. Please let me know that this is stopped and taken care of. XXXX XXXX XXXX is or should be aware of the situation making it inactive. Thank you for your time to read this and taking every requirement to stop this. 

XXXX XXXX
Product: Mortgage

The complaint that we filed the last time was closed, but we are still receiving erroneous collection letters and debt collector telephone calls from Loancare. This is contrary to the letter response that Loancare sent to CFPB. That Loancare letter stated that our account has been updated to non-delinquent status since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in my dispute on XX/XX/XXXX and recieved a response XXXX. The response was stating that Equifax items had been verified but they provided no proof of the original applications with my signature and proof of permissible purpose which is required in accordance with the fair credit reporting act. My information was impacted by the Equifax data breach in XXXX. I have also attached a police report from a concluding Identity theft incident. Pursuant to sections 605B, 615 ( F ), and 623 ( A ) 6 of the fair credit reporting act I am requesting that these fraudulent inquiries be deleted and blocked from my credit file.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for their presence. I regularly review my credit report, yet this time, I found unexpected inconsistencies. I even tried refreshing my browser, hoping it was a minor glitch, but the errors persisted. Because of this, I am requesting a detailed examination of the documents I submitted so I can finally have peace of mind.
Product: Student loan

I hope this letter finds you well. I am writing to bring to your attention some concerning issues regarding the predatory sales tactics employed by XXXX XXXXXXXX XXXX XXXX XXXX, which have significantly impacted my financial situation. 

As a borrower of private student loans, I am deeply troubled by the unethical practices of XXXX XXXXXXXX XXXX XXXX XXXX, which has misled students into taking out loans under false pretenses. The institution has engaged in aggressive and deceptive recruitment strategies, often targeting vulnerable individuals with promises of lucrative careers and high-quality education. 

Unfortunately, many students, including myself, have fallen victim to these predatory tactics, resulting in substantial financial burdens that we are struggling to manage. XXXX XXXXXXXX XXXX XXXX XXXX has not only failed to deliver on its promises of quality education and job placement but has also left countless students burdened with exorbitant debt and uncertain futures. 

Furthermore, it is distressing to learn that the accreditation and reputation of XXXX XXXXXXXX XXXX XXXX XXXXXXXX have come into question, casting doubt on the value of the education and credentials obtained from the institution. This has serious implications for students who have invested their time, money, and aspirations in pursuit of a better future. 

In light of these circumstances, I urge you to consider the broader implications of your association with XXXX XXXXXXXX XXXX XXXX XXXX and reassess the terms of the private student loans issued to students enrolled in the institution. I believe that it is crucial for lenders to exercise due diligence and responsibility in ensuring that loans are offered ethically and in the best interest of borrowers. 

Additionally, I request that you explore options for loan forgiveness or restructuring for borrowers who have been adversely affected by the predatory practices of XXXX XXXX XXXX XXXX XXXXXXXX. Providing relief to affected students would not only alleviate their financial distress but also serve as a meaningful step towards holding the institution accountable for its actions. 

I understand that your company was not the original lender for these private loans, however, XXXX, who the loans were refinanced through as been found to be fraudulent with XXXX XXXX XXXX by the president of the United States. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your understanding and cooperation.