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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy ( 15 USC 1681, section 604a, section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX, XXXX here is my tracking number Equifax XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681 Section 602 A states I have the right to privacy. Also, according to 15 USC 6802, No Financial Institution is not supposed to share my information with third-party people. 


This XXXX a clear violation of my XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I called Experian asking them to remove disputes that were on my account because I am trying to get a mortgage. ( I was finally able to get in touch with them after XXXX hours of looking for a phone number where I wouldnt get hung up on because their bot decided I couldnt talk to a human being. ) Instead they opened up new disputes. 

I called back a while later when I got an email saying that the disputes were open and was told that this was a quirk of the system and that I would get another email when the disputes were removed. 

Well, I sure did get more emails : when the disputes were *resolved* and *kept* on my credit report. So instead of having them removed, I now have twice as many disputes. 

The other XXXX credit bureaus had a very simple process that took no more than XXXX minutes and involved getting to speak to someone on the phone very quickly. 

Just figuring out how to get someone on the phone with Experian took more than XXXX hours, and now Im going to have to spend even more time trying to get twice as many disputes removed. In the meantime, my mortgage preapproval is going to be held up and chances are very good that Im going to lose out on the condo I want to make an offer on.
Product: Credit card or prepaid card

So approx from XXXX to XXXX of 2023 my XXXX XXXX XXXX XXXX XXXX with many others were stolen in XXXX, XXXX do no use the card often so I didnt notice it for some time. When I reported it I told the agent that my phone and wallet were taken. Sometime after I noticed all my claims were declined. Not only did the women not include charged, she made false statements on the claim. She said I said I still had the card which is a lie and she failed to mention I didnt have my phone cause supposedly the responded to approve the charge. I then refiled claim and asked for them to review the call and show the women lied on the report. But the denied again, I asked for any evidence or why the are forcing me to pay for fraudulent charges and spoke with executive offices who promised to contact me and has never done. Wells Fargo has committed several illegal acts in my past from opening accounts I have never applied for and things like that. This bank has commented so much fraud against its customers I do not know how they are still allowed to be in business.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE : XXXX XXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF NEVADA. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of XXXX  for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus. 

FCRA consumer laws state that if information can not be verified that it must be removed. 
In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED.

4. A METRO 2 COMPLIANCE LETTER HAS BEEN SENT TO XXXX 5. A XXXX COMPLAINT HAS BEEN FILED.
Product: Checking or savings account

Around XX/XX/XXXX my checking account was hit with fraud and fifth third bank took my s.s. Check to cover the amount that was fraud I went to them and reported and my account was overdrawn because of this they said they couldnt close the account for 3 months so this continues to hope they were using my money and paying a credit card off and I told them and the credit card place and they closed my credit card account but fifth third bank didnt so XXXX fifth third took my money again they would not give me another account so this wouldnt happen again so I went to one of the branches and talked to one of the girls and she opened another account and moved my s.s. Check it was working until I saw that someone deposited XXXX into my old account because it was still open and someone withdrew XXXX so it shows I owe XXXX I asked her who put that much money in my account she said fifth third but she didnt know why so XXXX came and it hit again so XXXX they took my S.S. Check so I talk to another person and see called the main branch and she told me they are closing the account both of them and gave me my s.s. Check back to me week later my account was closed and i cant get any bank to give me a checking account because fifth third bank put a notice to all the banks that I owed them money and thats why they closed my account I went back and talk to the girl and she said because of the account was overdrawn for too long they sent it to other banks this is not turn they overdrawn my account and now I cant get anyone to give me a checking account
Product: Mortgage

In XX/XX/year> we applied for a equity line of credit with BofA. Our loan agent assigned to us was XXXX XXXX. XXXX XXXX was emailed documents that she requested. XXXX. XXXX then wanted our tax statements for the last XXXX years. I sent them from a BofA branch ( XXXX pages ) as XXXX XXXX advised XXXX XXXX was hard to get a hold of and was not calling me back. When I finally connected with her, she said she never got the tax statements. 
I then asked for her XXXX, XXXX. XXXX said she would connect me, I was then connected to XXXX XXXX, ( I heard giggles in the back ground ). I then sent the tax forms again to XXXX. I was told an XXXX name of XXXX XXXX was going to come and appraise our home.. I informed the XXXX XXXX of the property being zoned XXXX residents and we rely on income from the other address here which shows on our tax forms as income. I was then told that XXXX 's ( Additional XXXX XXXX ) do not qualify as income. I then mentioned this property is zoned XXXX residents and it is not an ADU. 
When I again called to speak with XXXX her voice mail informed that her XXXX XXXX. XXXX was available if there was a problem..Well I now was upset as I was told XXXX was the XXXX.. I spoke with XXXX XX/XX/XXXXand told her I was mis-informed about whom was the XXXX... I then told her that our property is zoned XXXX to XXXX residents as noted by the county.. I sent XXXX XXXX XXXX documents. I then called XX/XX/XXXX XXXX and informed him about our property zoning and that I also took XXXX classes for residential and commercial and passed them both.I informed him to please look at XXXX XXXX records and the property description. Mr.Plessas told me he was going to appraise it as a single family with an ADU.. I said if you do that we wont qualify XXXX then told him a previous XXXX 3 years ago was suspended and fined regarding this property with XXXX, XXXX what your going to do if you use the wrong form ... I then received a call from XXXX XX/XX/XXXX. I was informed the XXXX is not going to come out and that she was sending another XXXX out and I could not talk to him at all! I then said if they use the wrong form we wont qualify, that didn't matter to her and she again told me DO NOT TALK TO HIM ... I then said this loan app has been going on for XXXX long and rates are going up. I asked her to cancel the loanXX/XX/XXXXXXXX said XXXX told her your just costing us money and time. She said she was sending a rejection notice ..I did receive the notice on XXXX do to debt to income rejected.. We would of qualified if they included the second property income as it was described in the tax forms that were sent to them.. 
We then applied for a loan with another company and we were approved with no problem ..However rates went way up in the mean time and our credit rating went down because of BOFA and XXXX XXXX month time frame with the previous application... 
If you would like documents and also the suspension and fine of the previous XXXX I will attach XXXX you .. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I found information I did not recognize and/or did not authorize. They are the following : Inquiry-XXXX XXXX XXXX Collection ( s ) XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX acct XXXX # # # # # # XXXX I am aware that in accordance with the Fair Credit Reporting act the accounts listed above have 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

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

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

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Nationstar Mortgage has acquired my mortgage from several other companies. I owe less than 78 % on the original contract price. They refuse to take the PMI off and want multiple paperwork and wish to " consider '' whether they need to have an appraisal done. 
Nationstar apparently operates through a call center and hours have been spent on the telephone requesting help. 
Nationstar has been notified that they must send all official document notices by U.S. mail, not by E-mail. They have ignored this and will not comply. 
Service representatives will not identify themselves. 
Property is under XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX.
Product: Debt collection

Received a collection letter from   XXXX   XXXX   stating I owe  Capital One a   balance of {$1200.00}. I only have  XXXX  accounts with capital  one  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from CREDIT CONTROL SERVICE with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and CREDIT CONTROL SERVICE would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not received any debt validation notice from CREDIT CONTROL SERVICE as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that CREDIT CONTROL SERVICE has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Debt collection

Dont know anything about this agency thats reporting on my credit in the amount of {$190.00}.
Product: Debt collection

I requested that Client Services Validate an alleged debt that they were contacting me about in early XX/XX/2021. Instead they responded by sending medical conditions, diagnosis, and procedures in a correspondence on dated XX/XX/2021. Under the HIPAA law I am allowed to protect my privacy and medical records from third parties. Medical providers are not allowed to share this type of information without a HIPAA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wow. This is the second time I have tried to request help concerning my student loans. 
I am currently going over my credit report and I found out that my student loans are not reporting correctly. We are still under the Extended Forbearance On Student Loans. All my loans are still reporting wrong on all my credit reports. I have an unverified account from XXXX # XXXX. This account has to be a mistake or error I have never lived in Indiana nor have I gone to any College or Institution in that state. My current and only address : XXXX XXXX XXXX XXXX XXXX, XXXX KENTUCKY XXXX. I have a few other errors as far as my addresses please delete the following addresses they do not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX XXXX****,  XXXX XXXX**** ', XXXX XXXX**** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX  XXXX {$1600.00}
Product: Debt collection

Innovation recovery inc place a debt on my credit on XXXX XXXX when I contacted the company about the debt being fraudulent I was told I was a liar and I will be sued and never able to rent again the debt is for XXXX I also requested a forward flow agreement and I also asked for a chain of agreement and neither were provided at the time that the debt was added to my credit. I was currently leasing an apartment in a different county, a different city, and I am currently still a resident of that complex.
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. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, has 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 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 card

One of the advertised benefits of maintaining the account was that each person which was traveling on an itinerary for which the fare was paid using the AA Aviator XXXX XXXX card was to receive a free checked bag on XXXX XXXX. 

Expecting XXXX XXXX and your bank to be true to that representation, I purchased air fare from XXXX XXXX for a trip from DAY>LHR and returning CDG>DAY. Record Locator : XXXX. 

Upon arriving at the XXXX XXXX to depart on the trip I was advised that the terms of the credit card had been changed, for tickets purchased after XX/XX/2023 to provide that one free eligible checked bag was only available on domestic U. S. flights. Apparently, the definition of eligible bag was changed without notice. Consequently, XXXX XXXX and I were each charged {$75.00} each for our checked bags and XXXX each at XXXX for the return trip. The total of these surprise/shock charges of {$300.00} has been added to my AA Aviator XXXX  balance. 

The addition of a {$300.00} charge to the account balance for something which was to have been free of charge clearly constitutes a significant change in account terms. Even if it did not strictly constitute a significant change in account terms, a change of this sort is nonetheless requires some reasonable notice pursuant to 12 CFR 226.9 ( c ) ( 2 ) ( iii ) ( A ) and ( B ).
Product: Credit card or prepaid card

On XXXX statement, there were charges of {$39.00} and {$4.00} that I had not made, from an entity with which I was unfamiliar. I called the credit card company and was told to call the charging entity. I did and the credits were made in the amount of {$39.00} and {$4.00}. My XXXX statement included another charge for {$39.00} from the same entity. Again, I called the credit card company whose representative closed my account, issued a new new account and assured me the charge would be credited which it was on the XXXX statement. The XXXX statement, however, showed a reversal of the credit, resulting in a charge of {$39.00}. Since then I have made XXXX telephone calls and been assured that the charge would be eliminated which has not happened. I have also sent two letters. Each month finance and late charges are added. Since XX/XX/XXXX, I have received XXXX telephones calls from the company, XXXX on one phone and XXXX on another.
Product: Payday loan, title loan, or personal loan

I have requested on numerous occasions for information about the loan listed on my report for over {$5000.00}. I believe it is not mine. I NEVER took out a line of credit. I requested information over the phone and was transferred over 6 times and still was not given an answer or proof of the loan. I am requesting documentation that has my signature, the application that I filled out, the contract, and proof that I am the actual owner.