23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint and i am very dissappointed whenever i saw my credit file with such an erroneous informations i had found and that are all unknown to me. I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any ITEMS which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I want you to know that I am telling the truth and by XXXX not deleting these items is inadvertently. The following items are such an error to my file that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed PAYS or PAID AS AGREED. 

XXXX  XXXX name + XXXX I was never late on this account. Please update the account as Paid/Current. 

XXXX XXXX  + XXXX I was never late on this account, and the account is closed and paid in full. Please update this account as Paid/Closed. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this within 30 days of receipt of this information. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 I have spoken to XXXXXXXX XXXX Fraud Dept . and they advised me case # XXXX for account # XXXX should not be reporting as late ( {$140.00} ) and the account is closed. 


Fraud Dept. XXXX Phone # XXXX
Product: Debt collection

On XX/XX/XXXX, I received a call from Forward Movement Recovery claiming that I have an outstanding debt with XXXX XXXX  and they are a company trying to collect that debt from sometime XX/XX/XXXX-XX/XX/XXXX time line. I explained to the representative XXXX   ( XXXX  ) that this is a false debt, and was paid already to a debt collector. She requested me to find records from XX/XX/XXXXalmost 8 years ago and I will get back to her and the company as soon as possible. Since that day, they have called me and my contacts and references since XX/XX/XXXX including today. She had stated that the company is going to call everyday and once a day to me and all my contacts until it is settled. This is an entirely different conversation fromXX/XX/XXXX.

The contact for Forward Movement Recovery is ( XXXX  ) XXXX ( XXXX  ) XXXX I will also be filing a complaint against cash central because this debt was already collected by another debt collection company back in XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a hard credit inquiry from XXXX XXXX that I have no record of from XX/XX/2018. I use to have an XXXX XXXX credit card but have not had it for years and years and never re-applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I had opted for a balance transfer through Citizens Bank last year with 0 % promotion to defray the high-interest credit card balance I carried with another creditor. I intended to pay off my balance with Citizens Bank but unsure of when the promotion will end so, on XXXX XXXX, I placed a call to the bank 's customer service line and was told that the promotion will end XXXX 2016. To my surprise yesterday Friday XXXX XXXX, I received a statement with a {$78.00} charge which made me to call the toll-free line and the customer service representative I spoke with said " The promo expired in XXXX but there 's a new one that you can apply for ''. I felt very XXXX, taken for a ride and ripped off as this guy was so belligerent and would not listen to my point that someone had told me on XXXX XXXX that the promotion was good through XXXX 2016. Rather, he continued saying " Do you have a letter to the effect that the promo ends in XXXX? '' This is gross misrepresentation, deceit and fraud of the highest order and this company has to face the music.
Product: Credit reporting or other personal consumer reports

( See attached for full complaint ) Dear XXXX XXXX, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ). 

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I made a payment through my credit card company XXXX via balance transfer on or before XX/XX/2017 in the amount of {$500.00}. My auto loan company SANTANDER CONSUMER USA, has failed to post the payment. I have contacted them several times to request that the payment be processed as I have an electronic statement from XXXX that the transfer was successful. Its XX/XX/2017 and no payment is posted. SANATANDER states that it takes 3-5 business days to post payments. Still no payment 5 business days later.
Product: Credit reporting

The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. 
Please have it removed.
Product: Checking or savings account

My savings, checkings and credit account all were randomly closed by Chime on XX/XX/23, over {$52000.00} in totality of the accounts. I received an email stating the balance of these accounts would be put into the checkings and a check for the total would be mailed to me within 30 days. I have received a check from Chime for {$59.00} and after multiple ignored emails to Chime about this major discrepancy I called Chime Customer Service on XX/XX/23 and XX/XX/23, during both these calls Chime confirmed the check should be for the balance of over {$52000.00} but could not explain why this was not the case and said they would be escalating the case further up the Chime team because they could not solve the problem. On XX/XX/23 Chime sent one email stating Your account was identified for closure and does not qualify for a refund. No further explanation on where my money is or why I received a check that Chime has verified to me was for the incorrect total.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Checking or savings account

On Monday, XX/XX/2023, at XXXX XXXX XXXX, I received a call from Wells Fargo reporting that my account had had been flagged due to an attempt to change my password. The phone call lasted XXXX minutes. The person on the other line was viewing my account for their end and was asking if I had lost my card, been attempting to purchase anything in XXXX XXXX XXXX, Arizona, '' or had any of XXXX payment apps ( XXXXXXXX XXXX XXXX XXXX XXXX  breached. I advised that we had not traveled outside of Idaho nor would any transactions in Arizona be authorized. The was very polite, professional, and assured me they were going to stop the attempt at an authorized charge. They gave me a temporary password for my online banking, and send verification codes to continue updating and " clearing my info from the payment apps. '' I had just gotten back from vacation and was driving my son to his football practice and was very distracted as well as upset at the nature of the phone call. I was reading the verification codes off my XXXX XXXX as they were being sent, while I was talking to them on the phone. At that time, they advised that there looked like a pending charge from " XXXX  '' was showing, but it would be removed as a fraudulent charge. They verified that my account was then secure, and stated that another Wells Fargo representative would call me in 24 hours to follow up on the issue. 
By Wednesday XXXX, XX/XX/XXXX, I had realized that Wells Fargo had not called me back yet so I logged into my online banking to see that there were three, {$1000.00} charges from my checking account to " XXXX, New York. '' I immediately called Wells Fargo, whom advised they had never called me two days previous. At was at this time I realized I had been completely scammed. I reported the three charges as fraud immediately. I later received a written letter from Wells Fargo, dated XX/XX/2023, that stated the transaction was authorized and my claim was closed. 
I then called Wells Fargo, upon receipt of the letter, on XX/XX/2023, to further inquire why the claim was closed without reversing the charges. The Wells Fargo employee did not divulge a reason, at which time, I advised I would be reporting the issue to all authorities possible as well as filing a police report if recommended. 

Further investigation from Wells Fargo should reveal that the password change on XX/XX/XXXX was most likely from an IP address NOT in Idaho ( therefore not me ). They should be able to see that my account was breached prior to be even getting the phishing phone call XXXX minutes after my password was changed. 

I did not authorize these transactions, nor do I have any familiarity or business with the company " XXXX. ''
Product: Credit card or prepaid card

During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time. I missed the payment during XX/XX/2016 and it was an honest mistake because I was focusing on school and forgot that I had this bill to pay. I spoke with a representative and they informed me the would be unable to remove the late mark from my report at the time, that is why I am asking for reconsideration now. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have this removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help  immensely. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccuracies that I have identified on my credit report : XXXX. **Account Name : XXXX XXXX XXXX** - Account Number : XXXX - Amount : {$XXXX} The collection agency has failed to validate this debt despite my requests. I would like to know how this account was verified. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this account from my credit report as its presence constitutes a violation. 

XXXX. **Account Name : XXXXXXXX XXXX XXXX* - Account Number : XXXX - Amount : {$XXXX} According to section 1681b ( g ) ( 3 ) of this title, certain exclusions are inapplicable for information disclosed to persons related by common ownership or affiliated by corporate control, especially with respect to medical information and lists describing or aggregating payment transactions for medical products or services. I request clarification on the verification of this debt and insist on adherence to the privacy requirements stipulated by law. I demand an immediate removal of this account from my credit report as its presence constitutes a violation.

3. **Account Name : XXXX** - Account Number : XXXX - XXXX : {$XXXX} This account is in violation of 15 U.S.C. 1681i ( 7 ), which pertains to the method of verification. It has been reported without valid evidence to support its validity. I request a thorough reinvestigation and removal of this item. 

XXXX. **Account Name : XXXX** - Account Number : XXXX - XXXX : {$XXXX} In accordance with 15 U.S.C. 1681i ( 5 ), if an item of information is found to be inaccurate or can not be verified after any reinvestigation, it must be DELETED. This account falls under this statute, and I demand that action be taken to correct my credit file promptly. 

XXXX. **Account Name : XXXX** - Account Number : XXXX - Amount : {$XXXX} I am disputing the validity of this account under 15 U.S. Code 1681i. This law requires that inaccurate or unverifiable information be removed from my credit report after a reinvestigation. This account has been reported without valid evidence of its accuracy. I request a thorough reinvestigation and the immediate removal of this item from my credit report. 

These errors have negatively impacted my credit score and could result in significant harm to my financial standing. I expect a prompt response to this letter, and pursuant to the FCRA, I request that these disputed items be investigated within the statutory timeframe of 30 days. 
Please send me documentation reflecting the outcome of your investigation and the actions taken to rectify these issues on my credit report. 
Should you continue to report these items without properly verifying them, be aware that I am prepared to escalate this matter to ensure my rights under consumer protection laws are fully upheld. 

Thank you for your prompt attention to these serious matters. 
Sincerely, Attachment : copy of the credit report with disputed items highlighted
Product: Vehicle loan or lease

On XX/XX/2023 I received a credit denial for a used car loan amount of {$30000.00} from Navy Federal Credit Union. The key factors listed for the denial listed the following reasons : Serious Delinquency ; Too many consumer finance company accounts ; Number of accounts with delinquency ; and ratio of revolving balances to credit limits are too high. I ordered my credit report and discovered the reasoning for my denial did not coincide with the report. I know the real reason for the denial was/is XXXX discrimination.
Product: Credit reporting or other personal consumer reports

Ive called and requested information they told me they dont have me on file with any of my information with the hard inquiries
Product: Credit reporting or other personal consumer reports

I would like to remove these addresses from my account. They are incorrect. I have attached documents with my correct address.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and are respect for the consumers right to privacy. 
Equifax and XXXX and XXXX are consumer reporting agencies. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whomitrelates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX on that my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to another affiliated third party unlessthe consumer is given an explanation to add my discloser ( Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC1681C ( a ) ( 5 ) states, Except as authorized under subsection b 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 ante dates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) A states '' 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.15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. Equifax and XXXX, XXXX are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right too opt out at anytime. " I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Extreme amounts almost 40 hard inquiries on my credit report that I did not initiate or apply for.
Product: Debt collection

On XX/XX/20, I was reported to collections ( Recovery Solutions Group , LLC ) after making a payment to the company I was dealing with ( XXXX XXXX XXXX  ). My last payment with this company was on XX/XX/20 and after being sent to collections, the company reported the wrong amount to collections, did not send a written statement to my address as asked on XX/XX/20 and drafted money from my bank account without my permission while in collections and continues to contact me by phone ( on XX/XX/20 ) and email and they are not supposed to. The statement that I received was on XX/XX/20 from the company I was working with, shows missing payments that did not show on the balance that was sent collections. I have all evidence of communication and inaccurate invoices. I also made bi-weekly payments to this company and do not understand why I was originally sent to collections, due to me asking about my case status with the company.
Product: Credit reporting or other personal consumer reports

Ive forwarded I.D . Theft affidavit and police report yet they will not remove the inaccurate information which is as follows : XXXX XXXX, XXXX and XXXX.