23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a public record ( judgement ) that I paid and had released and vacted for naught. I provide the XXXX major credit reporting agencies a signed document from a XXXX county judge that this judgement was null and vacted for naught. which means it does n't exist. XXXX and XXXX deleted the above referenced public record from my credit report. Equifax on the other hand continued to report but changed the status to satisfied which is incorrect since this judgement is vacated and further ordered that the judgement be dismissed
Product: Debt collection

At the time of this debt I was/am a XXXX XXXX, only working XXXX XXXX. The XXXX XXXX XXXX XXXXXXXX XXXX bill was almost {$2000.00}. I called the hospital, spoke to XXXX XXXX, told him I could not afford to pay all at once. He said to pay just what I could. I also called the number on the hospital bill after speaking with him, and they told me at that time he did not work there anymore, but I could ask for help with the bill by filling out the charities form that I could get online on their Web site, which I did, and I mailed it Certified Mail, and received back the signature card from the post office that they received it [ I have copies of proof of mailing and receipt ]. I sent in everything they asked for. I waited a few months, did not hear anything, called back. It was at this time I was told they didn't receive it. I have proof they received it. My parents then said they would help me by paying the hospital {$20.00} a month on autopay from their checking account. I also have proof of their payments over the last six months. The last bill I received from the hospital said if payment has been made to disregard this notice, so I knew my parents were paying monthly on the account, so I disregarded that notice since a monthly payment was being made. The next correspondence I received just yesterday is from a collection agency. I have been making a good faith attempt to slowly pay off this debt and they sent me to a collection agency anyway. The starting bill was {$1900.00}, the bill from the collection agency shows the balance as {$1800.00}. These are the payments made : XX/XX/18 - paid {$25.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00}. There was a scheduled autopay check that was to continue going out monthly until it was paid off, but now I have received this collections letter, which means the hospital sold this invoice to BCA Financial Services and it is out of the hands of the hospital. This is wrong and should be investigated.
Product: Checking or savings account

I received a call from Customer Service they are closing my account because I am well known in the     XXXX   XXXX  . I invest in   XXXX   and buy and sell it. The bank does n't want any customers who have anything to do with  XXXX . I 've had this account since it belonged t o   XXXX   XXXX   XXXX  .   They always treated me well and with no problems. As soon as Huntington  Bought   XXXX   XXXX  ,  they moved to close my accounts. I did nothing out of the ordinary besides deposit and withdraw money and it was n't any large amounts or very often. It is a shame that we in the   XXXX   XXXX   can not have any bank accounts because they close them any time they find out we are  XXXX  people. They also sent me a letter that says they are closing my account but conveniently omitted the reason because they are afraid to put it in writing.
Product: Checking or savings account

In early XXXX, Capital One closed my account and responded that I committed fraud hence the closure, later stating I committed a scam, then that I wanted my account closed, and finally that it was accidental. I was told that the funds would be sent to a state that I no longer lived in, and told Capital One but Capital One claimed it would be sent regardless. I tried to offer my second bank 's routing and account number to receive the funds electronically, but Capital One said it could not be completed once the account closed. 

Around the XXXX of XXXX, I finally got ahold of Capital One, because my phone number was being sent to a voicemail til then. The Capital One admin said that the funds were able to shift to my current address or second account until the day before the call. Capital One claimed it was an accidental miscommunication for not informing me of my options. 

I received funds through XXXX in XXXX that were sent to Capital One after the closure. Capital One said the funds were never received and XXXX provided me with a document to confirm the funds were sent to Capital One. Capital One claimed that any funds would be returned to the sender, XXXX. I later found the funds in an illegal account Capital One created I kept calling till late XXXX for my funds ( I received them in late XXXX ) and then for compensation. I was told by a Capital One member in late XXXX that an account was opened without my consent or knowledge in XXXX. I was given the password and username to this account I did not know existed. Capital One claimed it was opened accidentally. 

Continuous accidental mishaps led me to not afford food or housing when XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - ____________________________________________________ XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent this company letter asking for my credit report, and to update my information while deleting any other incorrect information on my report. **Will attach letter** It has been well over the time given under the FCRA for as compliance for this company to respond to this request. This request is nearly 30 days past due. By the time this complaint reaches the company it will be beyond 30 days past due. 

This company refuses to either send me my credit report. And/or correct these negative items. While it is possible they did not receive this letter, this letter was also sent out with 2 other companies who did receive a similar request and did send and correct this incorrect information.
Product: Checking or savings account

I moved two months ago and had a couple charges for moving. I verified to bofa that these charges were valid. A month later bofa Risk and Closures Division which is a " rouge division within BofA '' ( as stated by a Manager at BofA ) froze my account and limiting to it as credits only. Since that has happened I have been unable access my pension money and social security money ( ss restriction is a clear violation of Federal Law ). I am a XXXX XXXX XXXX retiree that now can not pay my rent or food.
Product: Debt collection

I let them know I've been the victim of 15 data breaches in the last 4 years and they keep hounding me.
Product: Mortgage

Wells Fargo Mortgage put me in the forbearance program without my knowledge or consent. I have been making my mortgage payments on time and as agreed. Wells Fargo has NOT been applying these payments to my mortgage and this is showing up on my credit report and affecting my ability to get a refinance. They have no right to put me in the forbearance program without my consent. If they have done this to me, how many millions of others have they done this to and where have my payments gone? there is also the question of any all late fees and additional interest that is being applied to my account. I have called Wells Fargo and filed a complaint.
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  ACCOUNT NAME : XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Debt collection

We have been harassed by a company -- XXXX XXXX of XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with XXXX XXXX. Please have them cease and desist.
Product: Credit reporting or other personal consumer reports

Credit Report XXXX XXXX XXXX of Bankruptcy XX/XX/2023 Bankruptcy Type XXXX XXXX Creditor Name Equifax I believe that this bankruptcy information is incorrect for the following reasons : it does not belong to you. I never filed a XXXX  XXXX bankruptcy in XXXX of XXXX  I request that you investigate this matter and remove the inaccurate bankruptcy information from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the necessary corrections have been made to my credit file. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or clarification.
Product: Credit reporting or other personal consumer reports

I filed several complaints against the 3 credit bureaus for violating my rights to a factual and thorough investigation into the inaccuracies listed on my credit report. My complaint was filed on XX/XX/year> and on XX/XX/year> I received dispute results stating the accounts were verified and updated. However, the complaint is still open with the CFPB and the company responded to the CFPB that they are still working on the issue. They have sent correspondence to me stating their investigation was completed and never sent any documentation supporting a factual investigation. I received results from the credit bureaus on XX/XX/year> and XX/XX/year> Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller
Product: Credit card

All my accounts with synchrony Bank have all been paid every month on time I have no negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization.

Account to Be Blocked and Deleted : 1XXXX 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Fradulent Accounts- XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX Fraudlent Inquiries - XXXX XXXX XXXX XXXX XXXX this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Debt collection

I am writing to formally dispute a charge-off/closed account with Discover Bank that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, Discover Bank is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Specialized Loan Servicing ) On XXXX XX/XX/2022, the XXXX XXXX XXXX XXXX XXXX XXXX has filed a {$100.00} lawsuit against me in order to foreclose my house. I have lived in the house for the last 18 years and since then the equity has tripled. In the last XXXX years, I have sent my mortgage payments on a regular basis and yet, Specialized Specialized Loan Servicing was sending notifications and harassment threatened letters to foreclose my house. 

In XXXX, they have returned the mortgage payment check and stated that I'm behind by {$8000.00} without being specific as far as the months they did not receive payments for. When I requested a payment history, they sent me a 60 page worth of payments history. I could have gone to my bank and showcased that they were receiving the payments and cashed them all. 

Since they stopped taking payments from in XX/XX/2022, so in XXXX I paid them {$5.00} over the phone to cover from XXXX to XXXX. To my knowledge, the fund was not applied into my account. In XXXX, they sent another threatened letter stated if they do not receive {$12000.00} in XXXX days, they will proceed to foreclosure. I did not even know where that amount came from. I had to settle with them to avoid foreclosure. I spent a total of {$18000.00} and yet most of the fund was not applied into my account. THIS IS STUNNING!
Product: Credit reporting, credit repair services, or other personal consumer reports

This medical account should not be on my credit reports This under 180 Days please Remove Off My Equifax credit report due too hippa violation!!! 

This acct is only 1 month old!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report has a name listed XXXX XXXX XXXX XXXX XXXX that I have never used. My middle name is XXXX and I have never used any other middle initial than " XXXX. '' When I went to the Experian website I was told to call XXXX. Name correction requires special attention. However, the telephone number does not allow the Consumer to choose " dispute resolution '' and does not allow the Consumer to talk to a Customer Service Agent. Moreover, searching provided a mail address ( XXXX XXXX XXXXXXXX, XXXX TX XXXX ) but it also said I must mail a special form -- and that form is not available anywhere!! 

So, I have no way to call, or write, in order to get my name corrected!!
Product: Credit reporting or other personal consumer reports

Im filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX XXXX - {$3200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Checking or savings account

Last month I received a Atm card from this bank with no explanation. They told me my account has been compromised and the person took all the money in my account. I provided the branch a police report when my identity got stolen last year they assured me that I would get my money back. I reported them before and the president office never returned my calls. They are giving me the runaround. They do n't care or value me as a customer they are very unprofessional and not sincere. They had very difficult time inputting everything in the system that the bank manager had to process the request. I never got my replacement card or my funds back on my account.
Product: Checking or savings account

on XX/XX/2021 I received notification of a bill due on XX/XX/2021. I contacted the company XXXX insurance and informed them i was moving and did not need the insurance anymore. XXXX confirmed and suspended any auto payment for the insurance and sent emails to confirm suspension of payments. Payments were being made from Wells Fargo Bank. I went to my online banking and cancelled any recurring payments to XXXX to Wells Fargo and verified the recurring payments were cancelled all on XX/XX/2021. On XX/XX/2021 Wells Fargo made the payment. I contacted Wells Fargo and explained what happened. Wells Fargo acknowledged no requiring payment existed but a manual payment was made. We did not make a manual payment after escalating my complaint three levels Wells Fargo could not explain why the manual payment was made.XXXX XXXX case number is XXXX. XXXX $ was paid without our authorization, there was an implication that payment was in process but ended up as a manual payment which Wells Fargo said we did, this is not true. Additional problems occurred which a second case was open case number XXXX, theses complaints are secondary but i will outline them. Voice recognition did not work, Wells Fargo verified I was enrolled ( the system failed on four occasions to recognize my voice ). Next I gave my card number and was told it was not my card, the third representative verified it was my card.
Product: Credit reporting or other personal consumer reports

I applied for membership at the XXXX XXXX  XXXX XXXX XXXX and on there website it states they would run a credit check for Identification purposes only ( Soft Inquiry ) but they ran a full inquiry with Experian Credit Bureau which I now have a Hard inquiry on my credit report, I contacted both the Credit Union & Experian to dispute the inquiry because I didn't authorize it.