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

XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA this creditor has VIOLATED my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This creditor has violated my right to privacy.

According 15 usc 1681 b 2, all information the credit reporting agency reports must be accurate.

This information is NOT accurate and they are violating my rights for accuracy and privacy.

15 usc 1681 Section 604 ( a ) ( 2 ) states consumer reporting agencies can not furnish an account without my written instructions.

I did not give any written instructions to report this negative information.

This too violates my rights.

Under 15 usc 1666b a creditor can not treat an open account as late for any purpose.

That is 4 FCRA laws that have violated my rights.
Product: Mortgage

I have an adjustable mortgage with Chase and I have made several additional payments towards principal. The problem is that Chase has not applied it towards principal. They keep applying my payments towards future payments. I have called several times, have spoken to XXXX of employees including a senior person named XXXX XXXX ( XXXX, extention XXXX ) who promised a call back. I have yet to receive a call back. My loan recasts next week and my new payment will be higher than it should be because my principal payments were not applied correctly. Further, the bank owes me all that interest money in years of holding onto my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.
Product: Credit card

A purchase was made on XX/XX/year> to XXXX  for payment to a seller that defrauded me. I had paid {$1300.00} for jewelery and did not receive all of my order and on top of that the items I was sent were not even silver but were stainless steel. I had this confirmed at a local jeweler to confirm. Once I had noticed this issue I reported it as I have been defrauded and ally recently got back to me and decided against me and placed back the charge on my card on XX/XX/XXXX. Ive been ghosted by the seller and have not heard anything back. I would like to get my {$1300.00} back since I was scammed and frauded from what I was supposed to receive.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account XXXX ( Case # XXXX Rep XXXX ). The credit card account was opened in XX/XX/XXXX as a new Bank of America employee. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX ; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. However, Bank of America did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XXXX. Although the CARD Act Notices were never received, Bank of America insists the notices were sent accordingly. On XX/XX/XXXX I requested copies of the Change of Interest Rate Disclosures, but as of this date the letters have not been received. It also appears Bank of America changed the interest rate from a Standard ( Fixed ) Rate to a Variable Interest Rate and has assessed the changed interest rates to existing purchase balances with no Disclosure Notice of the changes. In addition, upon separation ( due to lay-off ) from Bank of America effective XX/XX/XXXX the terms of the Severance Agreement specify existing interest rates on credit cards will not change based on the change of your employment status. Bank of America is in violation of the CARD Act of XXXX and the Severance Agreement.
Product: Student loan

My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN
Product: Debt collection

Several accounts on my credit report seem fraudulent ; I ask for their immediate investigation and removal.
Product: Money transfers

A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX
Product: Checking or savings account

They won't release our funds and since the XXXX of XXXX the have said that they are aware of the issue but it is now the XXXX. My bill are late now and my insurance got cancelled because the EFT bounced. They are not giving a temporary credit or any other resolution. Customer service just tells you to keep trying.
Product: Credit reporting or other personal consumer reports

RE : Report # XXXX - Inacurate Information To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. 

The delinquent payments on my Experian consumer report on the accounts provided below must be updated. 

XXXX XXXX XXXX XXXX Account # XXXX. 
Dates associated with the item being disputed : XXXX, XXXX These items are inaccurate. It occurred during the economic hardship forbearance period due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, for the period beginning XX/XX/XXXX and ending XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. The XXXX XXXX protects consumers who were affected during the XXXX pandemic. It is also reporting inaccurately compared to this exact item on my consumer credit report through XXXX and XXXX which shows OK- PAID AS AGREED ( This error violates XXXX XXXX XXXX ). 


Respectfully, XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX my social security an overall identity was taken. I made police reports also filed all necessary documents as I found out who took all my accounts an information. I then called all my credit card companies to make them aware after i claimed the identity theft all credit accounts good an bad were closed from companies. During this time my credit was ran 26 times In a few days. XXXX this account was originally opened. Now the American express account is charged off/closed status. As of XX/XX/XXXX my account became past due for amount XXXX. 

3 of 7 of my accounts were breeched. One account was put in my name from XXXX in amount of {$1700.00}. 

1. American Express amount of {$1700.00} was the final charges in total. I made them aware months before as I was unaware why my balance kept going up 2 months prior to my knowing. An 2 others. One account was opened in my name as well. 
2. XXXX XXXX XXXX. XXXX XXXX This account was opened in XX/XX/XXXX. Originally I had a balance in result of identity theft in amount of {$1300.00}. 
As the account was reopened for 3rd time w a different account number w same balance as original. After communicating with the company they removed this account 6 or more times. This account keeps adding back to my credit profile as well as the last time it was reported opened under a new account number an at one point had a limit increase according to XXXX. All documents an prooof needed an police report an new filed police report have been given as well to company was also past due as of same time frame originally prior to being resolved the first time around. Currently in XX/XX/XXXX the account is past due. 

3. XX/XX/XXXX my XXXX credit card for XXXX was opened as my account reflected perfect payment history until XX/XX/XXXX. This month my account went past due w charges showing past due of XXXX as of XXXX of XXXX. I contacted the necessary party, gave all my reports an explained my identity theft. I have this account removed more than 3 times off my credit in this amount of years. For some reason it keeps popping back on my credit. Right now XXXX  is the bearu the accounts keep coming back on. 

XXXX account in amount {$1700.00} showing its new open date was XX/XX/XXXX. This account was not opened by me an was added to my credit an opened without my knowing due to identity theft. XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX This account was removed 5 to 6 times as well. 

As a result I had to remove myself from certain business accounts as my credit declined from identity theft. Also as a result of these account being added an removed multiple times has completely ruined my credit to the point it has been impossible to reestablish credit due to the constant changes. I lost points everytime they re- added accounts.
Product: Debt collection

On XXXX XXXX 2015 at XXXX pm I returned a phone call that I received from a company called XXXX, XXXX, XXXX, XXXX. I spoke briefly with representative ( XXXX XXXX ) who left a previous voicemail requesting that I call back the company. XXXX XXXX refused to provide my request to send out written documentation regarding the nature of this particular phone call. The address that she stated as being my residence was incorrect yet she refused to correct and update the information. She ultimately threaten me by stating that the sheriff would be coming to my job and serving me. She did not state an amount or why I would be served. She hung up the phone after making that statement. According to the pre-recorded disclaimer the phone call should of been recorded by the company. I need to know if this call was legitimate. I am really skeptical because this person was so evasive and ultimately became belligerent whenever I requested the information be documented and mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The currently reported XXXX XXXX  with account number displayed on my XXXX XXXX report, shown as XXXX. the information I not REPORTED on Experian in this reported claim on my Experian report, and alleged as on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements . With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NEVER LATE ON THE ACOUNTS LISTED. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

An erroneous collection was added to my report dropping my score XXXX points. I had already paid the original creditor and the collection agency agreed to delete the error however after the deletion my score still reflects the XXXX drop. None of the bureaus have a dispute score option, so I mailed letters with a copy of my drivers license and identifying details. They replied back stating the letters didn't appear to come from me. I have no idea how to get my score corrected and I would appreciate any help you can provide. 
Kindest regards.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and reporting of certain accounts listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These accounts have breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate. 
Given these violations, I am requesting the immediate deletion of the aforementioned account from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to XXXXThis has prevented me from finding a suitable home.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Dept EDXXXX accounts are reporting late payments : They each have XXXX payment that were not caused by me. These are in deferment. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue. 

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX Account Number : XXXX 2. DEPT OF ED/XXXX  Account Number : XXXX 3. DEPT OF ED/XXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX  Account Number : XXXX 8. DEPT OF ED/XXXX Account Number : XXXX 9. DEPT OF ED/XXXX  Account Number : XXXX 10. DEPT OF ED/XXXX Account Number : XXXX 11. DEPT OF ED/XXXX Account Number : XXXX XXXX. DEPT OF ED/XXXX  Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/XXXX Account Number : XXXX
Product: Credit card or prepaid card

I was issued an active XXXX XXXX  rewards credit card through Wells Fargo Bank, which I never applied for. 

This credit card was delivered in the mail the week of XX/XX/2021. 

I did not contact XXXX XXXX to open a credit card account as I do not shop there nor will I in the future. 

This is a deceptive act on behalf of Wells Fargo and XXXX XXXX.
Product: Checking or savings account

i opened a checking acct at sofi mainly to receive unemployment deposits but the card was not compatible with XXXX virginia XXXX XXXX. i have the welcome emails and proof the account was open XXXX of XXXX i barely used the card i lost access to online login for some reasom which i came to learn was ss number on the acct was changed. my info was found in 3 data breaches in XXXX i informed them of this when i tried to prove to them o made a deposit i sti have the receipt it was XX/XX/XXXX th or around then but basically not one time did they ask fo tthr card i deposited to they finally have me access to an account with the email i used but there was no debit card or even a bank account it also showed the acct wad open XX/XX/XXXX when my emails prove it was months before they never asked for my ss number they kept hanging up on me as if they are a saying go f yourself. i finally said just give back my money that one reo said they see it whatever that means.. i want my {$360.00} i have all documents that verify my side XXXX XXXX XXXX XXXX last 4 of ss card number of deposited cash XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Portfolio Recovery has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 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.
Product: Debt collection

I leased a home from XXXX from XX/XX/XXXX until XX/XX/XXXX. 

XX/XX/XXXX they claimed I owed them XXXX. Since then, they have sent this to collections. 

I have been in contact with the collections agency since around XX/XX/XXXX, I have requested validation of the debt and XXXX has failed to provide such. The Collection Agency is refusing to remove the debt from my credit report despite my multiple efforts to resolve this matter. 

They have told me that they sent XXXX a verification request which I requested around XX/XX/XXXX and they have not provide such. 

XX/XX/XXXX, I again called Thansworld System Inc. for an update on the dispute and XXXX has not validated his claim and they still refuse to remove a debt they have failed to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

l initiated a dispute with XXXX on XX/XX/XXXX and they received the dispute on XX/XX/XXXX XXXX. l received a response from XXXX on XX/XX/XXXX XXXX. The finding of their investigation was that the account was verified and accurate. I was advised by XXXX to do a dispute with your company or original creditor XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. 
This account was transferred to XXXX to XXXX to XXXX XXXX XXXX. XXXX received this account in XXXX and it was transferred to XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX l was more than 120 days late. But XXXX only had this account for 30 days or lesser. I was never late with the new company XXXX. I have a letter send to my email from XXXX XXXX XXXX that they my mortgage have been transferred to them on XXXX XXXX. I couldn't been late or was late 120 days with XXXX. I have uploaded this letter to complaint that l received from XXXX XXXX XXXX as proof that XXXX did not own this account on XXXX XXXX XXXX - XXXX. XXXX, and XXXX has removed this account from my credit report because of this inaccurate reporting a late payment that was not correct. I