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

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Student loan

For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX XXXX XXXX wire to my Bank of America {>= $1,000,000} net proceeds of the sale of our Home. Until today, XX/XX/XXXX, the wire has not gone through. I talk to the bank several times, we call every where, apparently was missing XXXX XXXX in my checking account. Since XX/XX/XXXX the escrow company and us are tying to collect our money. Could some body help us, we are powerless with this powerful institution. We have to move from this house and now we do ha money for our next house, we are XXXX. Thank you so much for your help.
Product: Mortgage

Purchased home around XX/XX/XXXX while I was XXXX XXXX in the United States XXXX. I used a XXXX  home loan. The home was then sold as a short sale in the year XXXX. I had a drastic decline in my finances due to getting out of the service in XXXX, and being unemployed. I contacted Wells Fargo who I sought my mortgage through and no help was offered at the beginning or end of everything I ended up losing my home to a short sale because this is what I was told would be the best outcome. I was a first time homebuyer at the age of XXXX and had no experience with this type of loan or knowledge that there was help available. The short sale destroyed my credit score significantly, which I understand why do to the short sale and any job I applied for that required a clearance required a credit check as well and since the home was on my credit report I was not able to secure a well paying job. Please be very aware before purchasing a home especially if it is your first home and beware of the business practices that Wells Fargo is known for. Do as much research as possible. If I would've been older and know and understand what I know now I would've never purchased a home at my age under my circumstances with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.
Product: Credit reporting or other personal consumer reports

there is false and incomplete information being reported to my credit profile and I am running out of options. currently seeking arbitration. maybe a settlement is the last choice
Product: Credit reporting, credit repair services, or other personal consumer reports

So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXX / XXXX  XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX / Exp XXXX XXXX XXXX XXXX XXXX XXXX / Experian XXXX XXXX XXXX / Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX  XXXX XXXX XXXX experian
Product: Payday loan, title loan, or personal loan

Applied for a PayPal line of credit on XX/XX/2019. Got a strage and generic error message that I was denied. No mention of providing me additional information specified by the FCRA. I called and the agent made it impossible to glean further information regarding the issue, and had no concern to answer my questions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of are personal credit card accounts opened at XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXX  opened on XXXX under account number XXXX, XXXX  credit card opened XXXX under account XXXX, XXXX XXXX XXXX  opened XXXX XXXX, XXXX XXXX credit card opened XXXX, XXXX XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 are personal credit card accounts opened at XXXX  XXXX XXXX  on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX  opened on XXXX under account number XXXX, XXXX credit card opened XX/XX/XXXX under account XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX XXXX, XXXX XXXX credit card opened XX/XX/XXXX, personal credit card accounts opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX, a personal credit XXXX XXXX XXXX opened on XX/XX/XXXX under acct number XXXX, XXXX opened XX/XX/XXXX under account XXXX XXXX, personal credit card XXXX  opened on XX/XX/XXXX under acct number XXXX, a personal loan with XXXX XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX  XXXX Complaint XXXX XXXX, XXXX, 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 XXXX XXXX and fraud.
Product: Checking or savings account

Wells Fargo Bank related issue with our small XXXX XXXX XXXX. 

Date : XX/XX/XXXX - Checks Forged/Account Closed. Checking Account # XXXX in the name of XXXX XXXX, was compromised due to forged checks. Bank notified, transactions reversed and this account was closed on XX/XX/XXXX. All funds in the account were moved to savings account. 

Date XX/XX/XXXX - New Checking Account Established - New Checking Account established on XX/XX/XXXX with Wells Fargo # XXXX in our company name, XXXX XXXX Funds moved from savings to new checking account. 


XXXX XXXX management XXXX Wells Fargo Bank XXXX writes for 3 months to avoid further fraud. Auto payments continued, but all check writes stopped XXXX XXXX - No checks were written. Auto Payments continue. 

XXXX. XXXX - No checks were written. Auto Payments continue. 

XXXX XXXX - No checks were written. Auto Payments continue. 

XX/XX/XXXX - XX/XX/XXXX - First check written. - Check # XXXX, to transfer Funds from Wells Fargo XXXX XXXX XXXXXXXX XXXX and on XX/XX/XXXX - Fake Check with already Closed Account # XXXX and with False Signature presented by " XXXX XXXX from Colorado ''. - Check cashed by Wells Fargo when account no longer exists. Account already closed 3 months back.- Check Amount XXXX ( XXXX XXXX XXXX XXXX and XXXX/XXXX ) - Check date XX/XX/XXXX - Account # XXXX on check which was closed on XX/XX/XXXX - Check # XXXX Wells Fargo is refusing to reimburse this amount. We are unaware that a check using a closed invalid account and fake signature can be cashed. Our attempts to explain to Fraud Specialist and Bank Manger are of no use. - The Fraud Department does not wish to entertain request as it is more than 40 days after the statement closure hence we can not adjust
Product: Debt collection

I knew my Dentist personally, and he would do free work for me sometimes. After he died, the other dentist put me in collections for the stuff i was told not to worry about. I called the office they worked at today XXXX/XXXX/16, and all my files showed i owe nothing. All this free work was 10 years ago in my low XXXX. I dont feel like any of this is on me. I went to the dentist expecting to pay everytime. And this has my credit messed up and i need this taken care of asap. 

Thanks
Product: Debt collection

I was notify a alert on my credit report on XXXX that my score dropped 22 points because there was a collection added to my credit I dont know who these people are they dinged my credit I dont know what it is or how long its been owed! I tried calling nobody answered or nothing! I was looking online and they said they have to my signature in order for them to have this debt which I dont have any or nothing! Never got mail from tnem or phone call or email nothing!
Product: Debt collection

Since XXXX of 2020 I have been sending letters demanding validation of accounts that are reported on MY CREDIT REPORTS! XXXX XXXX XXXX XXXX has not responded to any of my mail. They did not identify the original creditor, they did not help me in any way. MY RIGHTS HAVE BEEN VIOLATED! PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$440.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment 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 XXXXXX/XX/XXXX
Product: Mortgage

Approved for tax exemption program with my county ( located in XXXX in the state of Virginia. Lender is still currently charging me for taxes even though county and HUD approved Housing Counseling agency has submitted documentation showing where we are now exempt.
Product: Credit card or prepaid card

Last Thursday I received a letter that all of my US Bank Credit Cards are closed. 

Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. 

When I called the US Bank representative I was told that my account was closed Due to the Extra Risk to the bank because of my purchases. It completely contradicts what is in the letter. 

I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 @ XXXX I requested a copy of my credit report file XXXX. I'd like it tracked to prove if I was XXXX the right ti my credit report. On XX/XX/2022 @ XXXX requested again for my credit report via machine as of today XX/XX/XXXX still not gotten my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, 2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved I hope this time you proceed with the investigation for this matter of great importance to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financial never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect personal information appearing on my TransUnion credit report. Specifically, the following addresses are inaccurately listed under my personal information and should be removed immediately : * 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account.
Product: Prepaid card

I recieved an Amex Gift card today for {$230.00}. And now can not use it. I checked the balance everything is there. I tried four different stores and nothing.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.