23daVinci/CFPB_Complaints huggingface dataset:
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Debt collection

I have been actively disputing an account with Armed Forces Loans for quite some time now. I recently began cleaning up my credit and notice, AFL was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and AFL verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show AFL was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, AFL updated my credit file as of XX/XX/XXXX, closing the account rather than deleting it, and again with inaccurate data. XXXX is reporting Highest Balance as {$0.00}, 88 % left to pay on loan and XX/XX/XXXX days late as XX/XX/XXXX, other files show {$4000.00} with 67 % left and XX/XX/XXXX days late as XXXX. Instead of correcting the data, AFL chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by continously validating inaccurate data. Please remove from my credit file.
Product: Checking or savings account

I called in XXXX and opened an account but my offer of {$220.00} for new checking was not added so the phone agent said they could do {$200.00} instead because {$220.00} was not available anymore even though i let them know i had a mailer XXXX a code. fast forward to XXXX i tried to call and give them the mailer code for the additional {$25.00} and they refused to honor the mailer saying its not available again. I reminded them i previously called when i opened the account and still they would not honor the mailer i had originally referred to even though i had mailer in my hand with code which states {$220.00} for new checking and expires XX/XX/22
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 information consists of an account opened at XXXX XXXX  under the account number ( XXXX ), XXXXXXXX XXXX  account number ( XXXX ), XXXX account number ( XXXX ), XXXX XXXXXXXX account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
Product: Mortgage

I started a refi with Loan Depot. I was given my final closing documents showing my portion to close was approximately {$400.00}. I then get a phone call 2 days prior to closing f stating hat the loan officer had made a mistake with the numbers and I would need over {$6000.00} to close. I asked the new individual that i was working with if he was certain that if I came up with the new amount if the loan would close. He advised me it would. I took a withdrawal on my XXXX for the monies needed. I received my final closing documents again. Less than 24 hours before the closing I was told that there had been a mistake with their figures on my debt ratio and they can not close the loan. I asked how did his happen as my debt had not changed at all since the approval. The loan officer advised me that an underwriter that is no longer with their company made the error and calculated overtime in. I have never had overtime nor did any documentation that I had given showed ANY overtime. I then asked the company to refund me my taxes and penalties that I incurred due to getting my monies to close and Loan Depot has refused. This is a fine example of fraudulent activity by their company. I want this fully investigated.
Product: Payday loan, title loan, or personal loan

I got a loan for XXXX last year I've been paying on this and i call to ask this company whats my pay off they told me that my loan goes up daily it wasn't a interest bearing loan how is this and their interest rate is 256 % this is predatory lending loan could someone help me get and understanding on how this work and how can they be allowed to get over on people
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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

I am writing to address the alleged late payment you reported to [ XXXX/TransUnion/XXXX  ] XXXX which you have claimed is either accurate or verified. My prior dispute, however, was not a request for validation but for the specific documentation required to substantiate this late payment. Your response is insufficient, and I am requesting a detailed explanation of how this information was verified. 

Timing of Payments 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a payment can not be reported as late unless : XXXX. The periodic statement was sent at least XXXX  days before the payment due date. 
XXXX. The statement included all required information per 15 U.S. Code 1637 ( b ). 

To ensure compliance, I request : Proof the periodic statement was mailed or delivered, including tracking or delivery confirmation. 
Confirmation that the statement met all requirements under 15 U.S. Code 1637 ( b ).

Evidence the statement was sent at least XXXX  days before the payment due date. 

Without this proof, reporting the late payment violates federal law. 

Accuracy of Reporting 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure the maximum accuracy of reported information. To consider this late payment verified, you must provide sufficient evidence to prove its accuracy. 

Responsibilities of Furnishers 15 U.S. Code 1681s-2 As per 15 U.S. Code 1681s-2, furnishers must : XXXX. Conduct a reasonable investigation upon receiving notice of a dispute. 
XXXX Review all relevant information provided by the consumer. 
XXXX. Respond within the XXXX period required by 15 U.S. Code 1681i ( a ) ( 1 ). 
XXXX. Correct any inaccuracies and notify the consumer reporting agencies. 

You have failed to provide required documentation or conduct a reasonable investigation. This failure violates 15 U.S. Code 1681s-2. 

Procedure for Disputed Accuracy 15 U.S. Code 1681i Under 15 U.S. Code 1681i, if disputed information can not be verified, it must be removed from the consumers file. Continued reporting of unverifiable or inaccurate information also violates 15 U.S. Code 1681s-2 ( a ). 

Request for Deletion Given your failure to provide adequate verification, I request the deletion of the following entries from my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Charged off ( {$12000.00} written off and past due as of XX/XX/XXXX ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I expect a resolution within the legally required timeframe. If the information can not be verified, it must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year>, I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
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 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.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Its truly fascinating that in XXXX, companies like XXXX XXXX XXXX XXXX still seem to have a creative interpretation of what constitutes verification and proof of debt under federal law. Im writing, once again, to highlight the blatant disregard for consumer rights that XXXX XXXX XXXX has demonstrated regarding an alleged charge-off that is still haunting my credit report. Lets be perfectly clear : this is a demand for accountability and action, as XXXX XXXX XXXX has failed to produce legitimate proof that this debt, particularly one tied to alleged mileage overage charges, is in any way mine. 

To begin, I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) where is the documented proof? Where are the itemized charges? The wet ink contract with my actual signature? Or did they perhaps forget that the law doesnt allow them to charge-off debts they cant properly verify? Im waiting for somethinganythingthat remotely resembles legitimate proof of this debt. 

But instead, what do I get? A repeated charge-off still lingering on my credit report, yet XXXX XXXX XXXX continues to collect mileage overage fees. Thats quite the double-dip, isnt it? I mean, charging it off for accounting purposes ( to perhaps secure a tax write-off ) while still benefiting from their collection efforts. If this isnt a text-book example of financial sleight of hand, I dont know what is. 

Let 's talk about their ongoing violations of my right to privacy. According to Title 15, U.S.C. 1681b, they are bound to ensure that any access and reporting of my private credit data is accurate and legally authorized. Failing to remove this unverified and dubious charge-off is a clear violation of my consumer rights. So let me remind XXXX XXXX XXXX that each violation of the FCRA entitles me to {$1000.00} in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD Astra Recovery Service # XXXX is reporting to the credit bureau, XXXX  inaccurate information under my name. Reporting resumed even after I received no response to a letter I sent them XX/XX/2021, asking them to verify the validity of the debt. AD Astra Recovery Service is reporting an inaccurate collection account in the amount of XXXX as an open account on my credit report to XXXX. I asked them in my letter to delete the inaccurate collection account from my credit report in which they did not. This violates my rights as a consumer.
Product: Checking or savings account

On XX/XX/2023, I was informed that my Citi bank account is blocked while I was trying to withdraw money in a bank. The reason they told the tell is that my account is relatively new and it needs additional information verification. Someone will call to verify. However, nobody called me and I got an email saying the bank could not reach out to me. Therefore, I called back several times. After that, they have informed me that they think someone is taking the money from my account, that is why my account is blocked and they need to review the account, they would not unblock it. Knowing the situation, I checked back at the afternoon, and the lady picked up phone transferred me to a specialist. The specialist told me that my account is in the process of closure and if I need the money I could go to a branch and get the money as check. So, I went to a branch immediately and see the banker Im familiar with. He told me that since there is money pending on my account, he could not release the money, but I could check back the next day, everything should be alright. On XX/XX/2023, early in the morning, I went to the branch and checked with a teller. The teller called the department but they would not release the money. Therefore, I made the phone call myself to check what was going on. I made several phone calls, they informed me that I have to wait for 60 days until my account is closed, so they will send out the check to get my money. I explained the situation that I will be leaving US at the end of XXXX and not back until XXXX, I need the money urgently. However, they all said As for now, I need to disconnect this call, thanks. Nobody answer or offer any solution to me, they were all like robots. I decided to see my banker again. My banker tried to call, but everyone picked the phone just transferred the banker to different lines with the saying that Im not responsible for the problem. At the end, no one has answered any of our questions and offered any solution to us.
Product: Checking or savings account

My Wells Fargo debit card and other debit cards i have all have my pin written on the back for them because all my pins are different. I have stopped doing this since this incident. My wallet was lost on XX/XX/23. The same day before realizing my wallet was missing i was going to het food at work and decided to check my account. Fraudulent charges totaling {$1800.00} appeared on my account. I immediately contacted wells fargo fraud department, answered all questions and had my claim filed. Their policy states if i decision had not been made within 10 business days my account would be temporarily funded for the charges. The following days I continued to receive emails from Wells Fargo stating that they were still processing my claim. On the 10th business day XX/XX/23 I received the same email and decided to contact wells fargo since my account had not been funded and i had not received anything saying they had reached a decision. When I contacted them they stated that my claim had been denied because there was nothing to suggest fraud. But like stated before my card was stolen out of a lost wallet.