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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not my account. 
BARKLAYS BANK XXXX XXXX This account was part of identity theft. 

I need this removed from my credit reports immediately!
Product: Checking or savings account

I received an e-mail on XX/XX/2024 stating that on XX/XX/2024 someone tried opening credit under my personal Chase Bank checking account. I called Chase Bank on XX/XX/2024 stating that whomever tried opening the credit was not myself. In the e-mail it stated that this attempt failed because I have my credit on freeze. The Chase Bank employee stated it will be considered as fraud attempt and it will not count against me.
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX XXXX  Account number XXXX Account type Mortgage Responsibility I have asked Experian to fix this account numerous times. They always come back verified yet I recieve no information on who verified tge account, what is their contact information, how did they verify my payment history. The account is not accurate and I have a right under the FCRA to an accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I XXXXeed to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Student loan

Back in the summer of 2022 I reached out to Navient to request my master promissory note for my XXXX XXXX XXXX loan. I was told that I could retrieve it online but that was not the case. I asked Navient 's customer service to send me a copy in the mail. The copy that I received is not legible. It also did not contain the rights and responsibilities of the borrowers. I would like to be sent a readable copy along with my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX XXXX XXXX  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 an 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 item 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 reporting or other personal consumer reports

My account with XXXX AND DEPT OF EDXXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. XXXX AND DEPT OF EDXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act.

This creditor have violated my rights.

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that Midland Credit Management have reported to the consumer reporting agencies regarding accounts that have not been verified : Accounts : Midland Credit Management : XXXX Midland Credit Management : XXXX Midland Credit Management : XXXX I check my consumer report weekly. It has come to my attention that they have reported these collection account as an open account and are misrepresenting yourselves as the original creditor. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. The relevant sections state : > " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :... 
> ( 2 ) The false representation of > ( A ) the character, amount, or legal status of any debt ; or > ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. '' By reporting this collection account as an open account and misrepresenting yourselves as the original creditor, you are providing false information about the character and legal status of the debt. Additionally, this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and complete. 

Further, I previously requested verification of this account by mail, as is my right under the FDCPA. To date, you have failed to verify the accuracy of this account. According to 15 U.S.C. 1692g ( b ) : > " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Since you have not provided the requested verification, you are required to cease collection activities and correct the erroneous information on my credit report. I demand that you immediately delete this account from my credit report and cease any further misrepresentation of this debt. 

Failure to correct this violation promptly will leave me no choice but to file pursue legal action to enforce my rights under the FDCPA and FCRA. 

Please provide written confirmation within 10 days that the inaccurate information has been deleted from my credit reports. I expect that you will take this matter seriously and address it with the urgency it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violates the Consumer Financial Protection act ( CFPA ) Specifically cash app failed to take timely and effective to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process is was unfair and deceptive as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations,
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report under 15 USC 1681b ( c ) ( 2 ) in the form of unauthorized inquiries impacting my credit. Please delete them. Thank you.
Product: Credit reporting or other personal consumer reports

The following inaccuracies have been identified in my credit report : Duplication of Account Details : Transunion has incorrectly duplicated the account details of my XXXX XXXX  account onto my XXXX student loan account. This erroneous duplication has led to my XXXX student loan being inaccurately classified as a mortgage account. This misclassification has had adverse effects on my credit profile. 

Incorrect Delinquency Label : Due to the aforementioned duplication of account details, Transunion has incorrectly labeled my XXXX student loan as having been delinquent at some point in its history. I would like to emphasize that my XXXX student loan has never been delinquent. It has always been current and is now closed. 

I kindly request that Transunion take immediate action to rectify these inaccuracies in my credit report. Specifically, I ask that you : Correctly update my XXXX student loan account details to reflect its accurate status as a student loan, not a mortgage account. 
Rectify the payment history details to accurately reflect that my XXXX student loan has never been late or delinquent. 
I understand the importance of accurate credit reporting, not only for my personal financial well-being but also for the credibility of credit reporting agencies like Transunion. I trust that you will promptly investigate and resolve this matter.
Product: Debt collection

Subject : Formal Complaint Regarding Inaccurate Reporting on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an erroneous entry on my personal credit report. Upon reviewing my credit report dated XX/XX/2024, I discovered an account that does not belong to me and was not opened by me. The account in question is being reported by Sunrise Credit Service for XXXX XXXX XXXX. 

I wish to assert that I have never been a customer of XXXX XXXX service, nor have I ever initiated or authorized any account with them. I have been consistently serviced by XXXX and XXXX XXXX for several years, which corroborates my statement. Furthermore, I have been a resident of XXXX XXXX XXXX  for the past XXXX years, and I have no recollection or record of engaging with XXXX XXXX XXXX during this time. 

The presence of this inaccurate account on my credit report is deeply concerning to me, as it could potentially have adverse effects on my creditworthiness and financial standing. I am gravely troubled by the implications this could have on my ability to secure future loans, mortgages, or lines of credit. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the erroneous reporting by Sunrise Credit Service. Additionally, I urge the bureau to ensure that my credit report is updated accurately and expediently to reflect the removal of this erroneous account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and work diligently to resolve this issue in a timely manner.
Product: Credit card

this complaint is about a XXXX XXXX XXXX by TD RETAIL CARD SERVICES ... ... ... ....

first I never receive a credit card or a mail statement..never have my credit card number, I just receive 3 late fee letters, and receive it magically the same date the payment was due in the 3rd day of the month, I checked the last one on the letter shows it was made on XX/XX/XXXX of 2024, but I receive it until XX/XX/XXXX of 2024. this is the story ... ... ..... 

on XX/XX/XXXX of 2024 receive a late fee letter for {$340.00} payment due on XX/XX/XXXX ..I sent the payment of {$340.00} by XX/XX/XXXX of 2024 ..they cash the check on XX/XX/XXXX of 2024... I guess because it was labor day holiday ... ... .... 

on XX/XX/XXXX I was hit with another late fee of XXXX.even if I made the payment XXXX ... that time I was not aware ... ... ... .. but on XX/XX/XXXX I was hit another late fee of $ XXXX..making my total to {$75.00} ..then I decide to call costumer services and they agree to erase one late fee..so in XXXX XXXX I made a electronic check payment for {$35.00} making my balance to XXXX  ... ... .....

but guess what on XX/XX/XXXX of 2024 I receive another late fee letter with a balance of {$75.00} ... ... ......

so I give up and I'm going to send a check for XXXX XXXX  to avoid another late fee..my balance of {$75.00} plus another late fee of {$35.00} to avoid this ..because this may be forever... a dream come true for the bank ... ... ... ....

I found this over the internet : New government regulations are slashing the late fees charged by many credit card companies ... ... ... ... .... 

On XX/XX/year>2024, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule limiting the penalty for late payment to {$8.00} per incident, down from an industry average of {$32.00}. It is expected to go into effect 60 days after its publication in the Federal Register ... ... ... ... ....

I guess TD retail services never heard of this new rule..
Product: Money transfer, virtual currency, or money service

Cashapp withheld and applied money sent to me by a friend through their app to purchase something for the person. 

I have and outstanding balance on the app, which I pay from my personal checking account. Apparently cashapp is now withholding any funds that passes through their system, without prior authorization from the account holder.
Product: Mortgage

Last week I received a letter from my bank that we had reached the 80 % loan to value amount, I was under the impression this is the amount where private mortgage insurance ( PMI ) is no longer required. Further, the letter stated we must have a good payment history, we do, reach 78 % for the PMI to automatically drop off, and proof that the property value has not declined. I called the mortgage company, Wells Fargo, to see if they would cancel the PMI and they require an appraisal ( purchased through Wells Fargo ) to prove the value has not decrease or pay on the principle to reach 78 %. Ive been looking forward to not having to pay the PMI on our mortgage because it is a significant amount. And now that we have reached the 80 % required to drop the insurance, Wells Fargo is nickel and diming us by not cancelling this insurance. Since we can not afford to pay 2 % on our principle or purchase their appraisal, for no good measure, we are forced to pay for insurance not required by the HPA guidelines. I have not been satisfied with Wells Fargo on many other issues, personally and publicaly, however this is an unfair situational where the bank is taking advantage of consumers and warrants a complaint. Thank you for reading this, hopefully it sheds some light on the subject. 
XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted an FTC Report for Fraudulent activity on my credit reports to IdentityTheft.gov. I noticed there were hard inquiries that weren't from me. All 3 Credit Bureaus received this report. I received this message back from my reporting to the FTC. 

XXXX Mon, XX/XX/XXXX, XXXX to me Thank you for reporting identity theft to the FTC. 

Your reference number is : XXXX Keep this for your records. 

After submitting the FTC report, to all 3 credit bureaus I submitted a dispute letter, my Drivers License, and SS Card, via certified mail via USPS on XX/XX/XXXX. After receiving the materials, XXXX and XXXX both removed the hard inquiries that I reported as fraudulent, but Equifax did nothing! My dispute is with Equifax specifically, please note this on my file. I then called Equifax on XX/XX/2023, and asked them to remove the hard inquiries from my dispute letter. An Equifax representative gave me a confirmation # XXXX saying that the hard inquiries were removed. On XX/XX/XXXX I received an updated report in the mail, and it actually showed the inquiries were deleted and removed. On XX/XX/2023 I called Equifax again, because nothing was removed on the Equifax website again. On the phone call this equifax representative gave me confirmation # XXXX, and assured me again that all the inquiries were removed. I waited 2 weeks, checked the equifax website, and noticed nothing was removed once again. I knew I was being lied to after the 2nd representative told me that they removed the inquiries. On XX/XX/2023 I called back again to complain, and the representative told me she will remove all the inquiries again. She gave me confirmation # XXXX, and said she removed all of them. On XXXX I checked my Equifax report and noticed that only one hard inquiry was remaining, so 2 of them actually got deleted. Only one hard inquiry named XXXX was remaining. I called back a 4th time to complain to Equifax on XX/XX/2023, and asked for the rep to please remove XXXX hard inquiry. She went to talk with a supervisor, and came back on the line to tell me that the other 3 Equifax employees put in an incorrect code, so that was the reason that it was still showing up on the Equifax website. This obviously is a blatant lie from this last representative, because 2 of the 3 hard inquiries were removed successfully. The last rep gave me a confirmation # of XXXX, and told me that I would have to wait an entire month before I would get the hard inquiry removed. This is another bold face lie, because all the other 3 Equifax representatives told me that within 72 hours I could check the website for evidence of removal. Can this be turned into a lawsuit, because of the blatant lying taking place? This morning on XX/XX/XXXX, the XXXX hard inquiry still hasn't been removed on the Equifax website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX GA XXXX to run an inquiry on my credit report.