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

Subject : Notice Regarding Discharge of Debt Under XXXX XXXX and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. 

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX Under the authority of XXXX XXXX and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file.

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected.

15 U.S.C. 1681c : The right to request the removal of obsolete information.

To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.
Product: Mortgage

My family has owned our home in XXXX for over 30 years. At this time I am retired and live in the property along with my XXXX son. I am contacting your office because I am in trouble on my mortgage loan which is with Wells Fargo, and they are moving me into foreclosure. I am afraid that I am going to lose my home and be out on the street with nowhere to go. I feel that Wells Fargo is not fairly negotiating with me ; I feel that they are denying me access to government programs that should be made available for struggling homeowners. I feel that they have made errors in their review of my financial situation and have wrongly denied assistance. I need help with this matter, I ca n't seem to make any progress with Wells Fargo and I do not want to lose my home. 
I first began struggling with my mortgage payment in XX/XX/2013 due to the overwhelming costs associated with my son 's XXXX and began the process of attempting to get assistance from Wells Fargo. It took literally over a year of back and forth with their agents to actually get a review conducted. During this long period my delinquent amount continued to increase, putting me into an even more difficult position. When the review was conducted I was just entering into retirement and I do n't believe that they took into account all sources of income. I receive SSI, a pension, and also money from the government for my son 's XXXX. I believe that if Wells Fargo were to properly calculate these income sources and to work with me in a fair manner, a resolution could be drafted that would be beneficial to all parties. I know that Wells Fargo received billions of dollars in bail out money, and I know that Wells Fargo has been reporting record profits, even as their employees open fake bank accounts in order to maximize profit. I would like Wells Fargo to show some compassion towards my family, and the home we have owned for nearly 35 years. I paid this loan on time for years, they have collected thousands of dollars in interest from me and this is a problem that can be resolved if Wells Fargo would take the time to conduct a fair review of the current and correct financial information. 
I feel that Wells Fargo is more interested in moving me into foreclosure instead of attempting to resolve this matter. A foreclosure would be devastating. If this can be avoided, why is Wells Fargo making things so difficult? I believe if Wells were to conduct a proper review that we would be able to work things out.
Product: Debt collection

my wallet was lost a few years ago, i did report it since i noticed since then my information was being used to open accounts that were unauthorized by me.
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 right 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have 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 1861c ( 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 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, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXXXXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX  XXXX XXXX. Please correct and update ASAP.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I found some billing inaccuracies, including late payments that don't reflect my typical record. Kindly correct these issues and revise my account. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, MI XXXX ] [ XXXX ] TransUnion Consumer Solutions * XXXX XXXX XXXX * XXXX, PA XXXX Subject : Formal Inquiry Regarding Compliance with 15 U.S.C. 6802, 1681b ( 2 ), and 1681 ( 4 ) ** Dear [ to who may concern ], I am writing to formally question the accuracy and handling of my credit information as it relates to specific accounts on my credit report and in light of the following federal statutes : 1. 15 U.S.C. 6802 Governing financial institutions duties to respect consumer privacy, including providing notices and obtaining consent before sharing information.

2. 15 U.S.C. 1681b ( 2 ) Outlining permissible purposes for obtaining consumer reports, which require prior written consent.

3. 15 U.S.C. 1681 ( 4 ) Addressing responsibilities for accurate reporting and maintaining fair procedures under the Fair Credit Reporting Act ( FCRA ). 

Concerns with Account Reporting Upon reviewing my credit report, I noticed discrepancies or potential issues with the closed accounts listed, including but not limited to : XXXXXXXX XXXX XXXX ( Closed on XX/XX/XXXX ) XXXX XXXX ( Closed on XX/XX/XXXX future date ) XXXX XXXX ( Closed on XX/XX/XXXX ) XXXX ( Closed on XX/XX/XXXX ) XXXX ( Closed on XX/XX/XXXX future date ) Questions and Requests To address these concerns, I request clarification on the following : 1. Privacy Notice ( 15 U.S.C. 6802 ) : Was I provided with a privacy notice outlining how my information would be shared or reported for each account?

Please provide documentation of any such notice.

2. Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : On what basis were inquiries made or reports generated for the listed accounts?

Were these actions taken with my explicit consent?

Please provide copies of the consent or authorization forms.

3. Accuracy of Reporting ( 15 U.S.C. 1681 ( 4 ) ) : How were the reported closure dates determined? The presence of future closure dates raises concerns about accuracy.

Please investigate and provide an explanation for any discrepancies, as well as corrective actions if necessary.

4. Disclosure and Procedures : What safeguards and procedures do you have in place to ensure compliance with federal laws and accuracy in credit reporting?

I request a prompt and detailed response to each of these questions. If errors or unauthorized actions are identified, I expect it to be removed and reflected in my credit report.

Supporting Information For your reference, I have attached a screenshot of the closed accounts section from my credit report, which highlights the specific accounts in question.

This letter serves as a formal inquiry and dispute under the Fair Credit Reporting Act ( FCRA ). I expect your response within the legally mandated time frame. Failure to adequately address my concerns may result in further action, including the involvement of regulatory authorities.

Thank you for your attention to this matter. I trust that you will address these issues in a fair and timely manner. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, MI XXXX ] Let me know if youd like me to refine it further!
Product: Money transfer, virtual currency, or money service

My friend wired me money and somehow at the bank one number was messed up and I didnt receive the money in my account. The banks system had my name and address but did not check if the account number matched my name.
Product: Debt collection

Regarding : AMER ADJ BUR ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- 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 ; 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 a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that 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 a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Product: Debt collection

Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with americor to consolidate and repay my collections. They would contact the the companies on my behalf and negotiate to settle for less. Once they negotiated they would ask me if I agreed to a specific amount and repayment leaving out all of the fees. Once I agreed they added in all the fees and said I agreed.
Product: Credit card or prepaid card

A account was open by someone else and its reporting to my credit report and I want the account removed from credit report
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 

1. This late payment status is irrelevant XXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint regarding unauthorized or fraudulent credit inquiries appearing on my credit report. These inquiries are in violation of my rights under federal consumer protection laws. 

Specifically, 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ) mandates that no consumer reporting agency may furnish a consumer report for any purpose unless the entity requesting the report has a permissible purpose and obtains the consumers authorization. 

Upon reviewing my credit report, I identified the following inquiries that I did not authorize : [ List the inquiries, including the name of the creditor and the date of the inquiry ] These inquiries have negatively impacted my credit score and have been placed on my report without my explicit consent or knowledge. Under the FCRA, credit reporting agencies and entities requesting credit reports are required to ensure that the request complies with lawful standards. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that the consumer reporting agencies and the entities responsible for these inquiries are held accountable. My ultimate goal is the removal of these unauthorized inquiries from my credit report. 

Please let me know if additional documentation is needed to expedite this resolution. Thank you for your time and support in safeguarding my consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following mentioned accounts and inquiries from credit report. They are unauthorized and are fraudulent. The items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove fraudulent accounts. 

XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) {$2500.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$19000.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$31000.00} XXXX ( XX/XX/XXXX ) {$400.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to correct my XXXX credit report and these idiots continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you three ( TXXXX, Experian and XXXX ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX ! I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX XXXX' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX  XXXX XXXX. XXXX. I do not want to file suit against XXXX However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX  '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this case, XXXX  and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.
Product: Debt collection

A collection notice from Central Portfolio Control for the amount of {$1800.00} insurance paid the required state amount and by law this is called surprised billing this was also this bill was included in the BANKRUPTCY THEY ARE TRYING TO COLLECT ON A DEBT DISCHARGED IN BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE TWO ADDRESSES LISTED BELOW ARE INCORRECT AND MUST BE REMOVE FROM MY CREDIT REPORT FILE, I'M ENTITLED TO 100 % ACCURACY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SEE ATTACHED FILE FOR PROOF OF ADDRESS )
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.