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

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 Simple # XXXX, Account name : XXXX XXXX XXXX Simple # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX XXXX of 2017, I sent written communication to equifax requesting that they update my credit report showing my auto loan being paid in full. After a phone call to equifax, I was advised to send all documentation in writing, in which case I did so. I included a letter from XXXX financial services stating my account has been paid in full as of XXXX XXXX of 2017. To date, my credit report with equifax has not been updated. All other credit reporting agencies are showing as paid in full. I contacted equifax once again and was told while they did receive my documentation, they have an additional 60 days to respond. I am attempting to refinance my home in which the deadline is about to expire and will soon be in default. I ask kindly for any help you can give in this matter as I believe I have exhausted all avenues. Thank you in advance for your attention with this matter. Kind regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting more 15 days for response from credit bureaus requesting the item be deleted based on the credit bureaus lack of compliance with the method of verification.
Product: Mortgage

Tried to refinance at 3 or 3 1/8 % for a 30 year fixed the last two weeks or so ( from week of XX/XX/XXXX through XX/XX/XXXX ). Was unable to get a call from broker until too late to lock in. This is a mortgage industry problem that affects financial lives. The industry should be able to accommodate borrowers who want a rate- all borrowers who want a rate, or none of them. The industry needs to be fixed. The dates and details are not important. Nothing happened after I sent the company an email describing the problem on XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX | XX/XX/XXXXXXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Product: Debt collection

My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following Account Name : XXXX Account Number : XXXX Reported Balance : {$500.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$730.00} Account Name : XXXX Account XXXX Reported Balance XXXX {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2700.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$5200.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2600.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$4500.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$31000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2200.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$3500.00} Account Name : XXXX XXXX Account Number : XXXX **** Reported Balance : {$2000.00} Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX employer : XXXX XXXX Incorrect employer : XXXX HOSPITALITY Name ( XXXX ) : XXXX XXXX XXXX Incorrect XXXX XXXX XXXX, XXXX XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a credit inquiry on my  XXXX  credit record dated  XXXX   XXXX ,   XXXX   which I did not authorize. I have a fraud alert on my credit records due to previous id theft and fraud loans at Wachovia  aka Wells Fargo.  The unauthorized inquiry was  : Wells Fargo Phone Ban k ( a credit card division )   XXXX     XXXX   XXXX   XXXX , OR  XXXX   XXXX  I called the  XXXX  # associated and was transferred to  XXXX   XXXX   XXXX   ( Executive  Branch ) in  XXXX , Va. She inquired into my identity and asked if I had recently applied for a credit card. I said no. She then created fraud report  XXXX  and provided me with her phone number  XXXX ,  XXXX , &  XXXX . I have called all and gotten absolutely nowhere with regard to getting this inquiry to my credit investigated. I have been told it was an inside team member who was pre-authorizing me for a credit ca rd ( wit hout my authorization? or knowledge ? ). Forbid den, unacceptable, FRAUD! FRAUD! FRAUD! I should be monetarily compensated for damages associated with ongoing stress over the past 7 years associated  with Wells Fargos ' il legal business practices and issuance of fraudulent loan products and obviously now credit cards. They refuse to provide me copy of the credit application or any other definitive information about their unauthorized inquiry. I want to sue.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions..
Product: Credit reporting, credit repair services, or other personal consumer reports

According to laws of 15 USC 1681 A and 15 USC 1681 Section 602 A and its exclusions this company illegally placed late payments on my credit report adversely affecting my creditworthiness and to obtain new credit.

15 U.S. Code 1681a - ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized undersection 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( ii ) communication of that information amongpersonsrelated by common ownership or affiliated by corporate control; or ( iii ) communication of other information amongpersonsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to theconsumerthat the information may be communicated among suchpersonsand theconsumeris given the opportunity, before the time that the information is initially communicated.

The law 15 USC 1681 Section 602 A states my rights to privacy.
Product: Debt collection

This is for a LOWES SYNCHRONY BANK credit card I, XXXX XXXX, sent a validation of debt letter to SYNCHRONY BANK on XX/XX/XXXX and they recieved it on XX/XX/XXXX with a tracking number of XXXX certified mail. SYNCHRONY BANK failed to validate the debt with an affidavit in the 15 days I provided them. I then had sent a cease and desist letter on XX/XX/XXXX and SYNCHRONY BANK received is on XX/XX/XXXX with a tracking number of XXXX certified mail. SYNCHRONY BANK has since been mailing a bill due and has not provided a letter validate the debt with an affidavit. SYNCHRONY BANK has since reported late payments to XXXX, XXXX, AND XXXX. I sent an affidavit of truth letter on XX/XX/XXXX and they received in on XX/XX/XXXX with a tracking number of XXXX certified mail. I provided them another 10 days to validate the debt via an affidavit. Today is XX/XX/XXXX and I am formally sending in a complaint
Product: Student loan

Since the Cares act was initiated I called Nelnet who holds my federal student loan because they were not placing a hold on the interest payments as the cares act mandates. I initially called them XXXX to inform them I was still being charged interest and was told they would be placed in the no interest charged category. I told them I wanted to continue to make my regular payments, I was informed I could do this but I would not be charged interest. I received my XXXX statement and interest was still being charged. I called back and had the same discussion this time I was told I didn't qualify even though it is a federal student loan. They told me to call the department of education, I did and was told there was nothing they could do and to call Nelnet. I have called them every month and they still refuse to place my loan interest on hold as the cares act specifies. I have exhausted my resources and have no other options, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquireies reporting on my credit.
XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX Page 9 of 13 Inquiries XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX, XXXX, and TransUnion Consumer Solutions, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow  up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not properly investigating my disputes. These companies Sezzle and XXXX credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
Product: Credit reporting or other personal consumer reports

Please remove these following hard inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX See attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX. I received a call from collection agency XX/XX/2020, advising that if I paid the settlement offer the item would be removed from my credit report. 2 months later the item is still reporting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following student loans from my credit report : DEPT OF EDXXXX DEPT OF EDXXXXXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXXXXXX XXXX/DEPT OF ED XXXX I understand that under the XXXX XXXX Rights and Privacy Act XXXX XXXX ), student education records are protected and should not impact my credit history. According to 34 CFR Part 99, Subpart B, students have the right to inspect and review their education records. However, the presence of student loan information on my credit report violates this right and can negatively affect my financial standing.
Product: Debt collection

I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, " XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about " serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XX/XX/XXXX. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please provide me with a written response to this dispute and let me know the results of your investigation.
Product: Checking or savings account

After recently placing my father into full time nursing care, I came across a CD deposited in The XXXX  XXXX XXXX XXXX from when my sister and I were minors in the amount of {$26.00}, 700. My father and his brother ( my uncle ) were custodians on the account. My sister and I were never told about this account. The CD matured on XX/XX/1992. I presented the CD for payment in the successor bank, Citizens Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a manager there was less than helpful and refused to discuss the account with me even though the account is clearly in my name. Citizens corporate reached out after I filed a complaint to the FDIC. XXXX, from the Office of the Chairman, has acted in what can only be described a a deceitful manner. She is claiming she is not receiving emails from me, and is unable to leave voice mails on my cell phones. I am a XXXX XXXX XXXX XXXX with 32 years of service. I rely on email and voice mail daily and I can assure you XXXX 's claims are preposterous. Citizens Bank corporate, specifically Office of the Chairman is impossible to reach by phone. I am encountering impossibly long wait times, routing and re-routing through jungles of robo-prompts and mysterious random disconnections.