23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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. 
I want the CFPB to publish this description on consumerfinance.gov so that
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with  XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Product: Checking or savings account

Bank of America allowed someone to open an online account with my social security number twice. The bank has now reported it on my credit report after confirming it was fraud and my social security number is flagged. The 1st account was opened on XX/XX/2022 and the second was opened on XX/XX/2022. 
Bank of America allowed someone in Colorado to open an online banking account with my social. This happened twice in one week. After it was confirmed as fraud they sent the information to XXXX as a new account. None of the staff has been helpful or even understood the seriousness of identity theft and fraud. Both accounts were closed, but how do you allow someone to keep doing this on the same social security number?
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion ' s responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the XXXXhree credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I signed up for a premium credit report account with Experian in hopes to restore my credit, and for an unknown reason apparently someone reported the wrong person using my SSN which in turn resulted in being reported on my credit report. Apparently they ( whoever they are ) entered someone elses SSN in error by 2 digits- which was my SSN. However, this persons credit file was reported under MY credit report which brought my credit score down XXXX points! I contacted Experian, never mind the fact that I was paying for premium services, and was told that this was human error and they dont have any information about who or why this was done. I find this extremely unacceptable as like I said this affected my credit report and credit score significantly without any reason or fault of mine.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me
Product: Credit card

I sent a letter via US mail on or about XXXX XXXX XXXX to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This was a transaction with XXXX made XXXX XX/XX/2022 in the amount of {$580.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Mortgage

My mortgage was sold from Wells Fargo to XXXX in XX/XX/XXXX Wells fargo will not provide me with a record of the ground rent payments of {$54.00} that was deducted from my escrow unless I ask for a release of information. This should be released to my new loan servicer which is with XXXX  automatically. 
Release of information request must be sent to fax # XXXX. Spoke with XXXX  ID # XXXX  with Wells Fargo ground rent was paid to XXXX XXXX XXXX which changed their name to XXXX However when I spoke to them XX/XX/XXXX they indicated Wells Fargo paid them on XX/XX/XXXX. I am no longer with Wells Fargo and I need a record of all payments. 
The total to pay the ground rent pay off is {$1800.00}. I have been paying for years and without my consent paid out of my escrow. I need a record of my signature and the total payments over the years. I spoke with XXXX ID # XXXX with XXXX XXXX and she will send the statements to my address per my request as of today. XX/XX/XXXX. 

Let me know if Wells Fargo were authorized to take payment IN FEE for the ground rent or not..
Product: Debt collection

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Product: Debt collection

XXXX XXXX is a indivivual and has hired a debt collection agency to try and get {$5000.00} from my business and the individuals who work at this business. My auto shop performed some repairs on XXXX 's vehicle for {$810.00} and now has hired Fidelity Information Corporation to collect {$5000.00} from us. No individual can hire a collection company. How can this company try and do this and on what grounds. Its litigation and illegal for this company to do this under the Fair Debt Collection Practices Act. This company has committed many fraudulent acts as you can read all over the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen when the data breach occurred and I had my credit report Frozen as per the identity theft.gov website. 

I have been trying to get my Equifax credit freeze lifted and can not successfully interact with a company. 
After I answer the challenge questions and identify what the issue is their computer system forwards me to a customer service representative at a toll free number ... the customer service representative ask me the same challenge questions that computer did however they go on and ask additional questions that I can not answer.. The attached letter that was subsequently notarized and sent to Equifax via certified mail explains this. 

I need to have this credit freeze permanently lifted so I can continue on with my life
Product: Mortgage

My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.
Product: Checking or savings account

On XX/XX/XXXX, my Chase Bank account was blocked with a balance of {$2000.00}. That same day, I contacted the bank using the number provided in the app. After verifying my information, they informed me that I needed to visit a branch in person. 

On XX/XX/XXXX, I went to the nearest branch, where the manager assisted me. She took my documents and contacted the banks administrative department. After the call, she informed me that my account had been closed but was not given any reason for the closure. She advised me to wait, as the {$2000.00} would be refunded via check to my home within 10 business days. 

I waited until XX/XX/XXXX and, having not received the check, I contacted the bank again through the same number. I was told that the review had not been completed and that they needed to verify additional information. 

When I asked for the reason behind my account closure, they stated that a check had been deposited into my account, but the name on it did not match mine. 

I explained that the check was mine, the name was correct, and it was clearly legible. However, the representative claimed that the system did not recognize it and that I would need to wait. 

I then went to a branch again to present evidence that all my information was correct, but I was refused assistance. I was told that they could not contact the relevant department because it does not have a phone line. 

Once again, I contacted customer service to explain what appeared to be a mistake on the banks part, but the representative dismissed my concerns. 

Im still waiting for the money back and no one bank support.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ex wife of four years has me listed as an authorized user on her delinquent credit card account. I found this out today when I went to request additional credit in my name. I do not have any information except what is showing on my credit report which is 6 digits of the account and that I am an authorized user. I called CITI bank to have my name removed and this information be removed from my credit file and they refused to help me. I talked to a supervisor and an advisor with no help. This was today XX/XX/2020
Product: Debt collection

I looked at my report on XX/XX/year> and noticed some things are not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates. CREDIT COLLECTION SERVICES is reporting on my credit to all XXXX  credit bureaus. This company is not licensed and bonded in my state of South Carolina to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a ZERO balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit are not correct. Please block and delete these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CRREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAD 2 LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. THE CONSUMER REPRTING AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX I AM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.