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

The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every s

tep must be taken to assure the information reported is completely accurate and correct. These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im e
ntitled to XXXX dollars per violation and clearly they violated my rights. 

I demand these companies to delete these accounts from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, and 15 USC 1666b I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

ACCOUNTS TO BE REMOVED : 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 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information. 

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen 15 days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report
Product: Debt collection

I have a deletion letter from the Collections agency, however, the derogatory remark was NOT removed from my credit report. I am recently divorced and am attempting to refinance my ( and my children 's ) primary residence, I can not complete the process until this is removed. XXXX has not complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} 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

After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance

with the written instructions of the consumer to whom it relates. Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Checking or savings account

Citizens bank in XXXX XXXX also known as Citizens Financial Group has issued with platinum and platinum plus checking accounts. Platinum checking accounts require a {$25.00} k relationship balance. When accounts are opened at the branch the accounts are rarely linked properly. Some customers have been assessed fees since 2016. The bank knows this and has done nothing about this. The same issue happened previously with circle gold accounts and the bank had to issue reinbursements. This needs to stop and Citizens needs to be held accountable.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the consumer.
Product: Checking or savings account

i opened a checking and savings account with Chase on XX/XX/year> based on a new account promotion they mailed me- in validating the offer i called in to their contact center and provided the coupon code to the rep helping me open accounts to validate that i would qualify for the {$900.00} in bonus for satisfying the terms of the offer : 2- direct deposits- {$300.00} {$15000.00} Savings balance for 90 days- {$200.00} Combination of the above - {$400.00} After not seeing the bonus hit my account after 90 days - i contacted Chase and they are refusing to pay due to unable to locate the coupon code linked to my account
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. 

Convergent Account : XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681. 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 instruction.

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 info Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 


I did not give Experian, XXXX, and XXXX written instructions on these accounts XXXX : # XXXXXXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I opened an account with Discover Secured credit  card for {$300.00}. I was told that I can apply to increase my credit limit by depositing more money to the secured saving accounts. 
My XXXX was run on XXXX XXXX. On XX/XX/2021 I withdrawal of {$1700.00} What is made from Discover Bank. This letter that I received in the mail was drafted on XX/XX/2021. The letter says that discover withdrawn their decision of increase of credit. I would like to dispute this decision because I'm a fraud victim Plus 50 % of the negative information that is reporting on my XXXX  credit report is incorrect. The FICO score of XXXX is also incorrect. My concern is if all the evidence in fact were in front of you from XXXX XXXX Why would this cover withdraw the money from my account on the XXXX and then write me a letter on the XXXX of the month saying that I'm not approved. Just to clarify I am working with an attorney on the negative items on my credit report to be corrected.
Product: Debt collection

I was charged a clinical visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day.
Product: Credit reporting or other personal consumer reports

I have filed a fraud report # XXXX with for these unauthorized Inquiries on my consumer credit report please delete them thank you. I havent received anything from these inquiries because I never authorized them. 
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 or other personal consumer reports

I received a copy of a recent background check for a job application which showed an unknown address associated with my name during the height of the pandemic ( XX/XX/year> ). I have NEVER lived in the state mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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: Debt collection

On XX/XX/2023 I received a letter from LTD Financial Services stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX XXXX for the amount of XXXX. 

I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : XXXX XXXX XXXX. This letter asked for all possible verifying information on my debt. I sent this letter to LTD Financial Services through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.
Product: Student loan

XXXX  -original Complaint.   I  XXXX   XXXX , had to wait for my Doctors follow up in order for the paperwork to be filled out. Finally the paperwork from my Primary physician was and is complete and mailed as of today   X/XX/17 .      Since the original complaint had been closed, I am submitting another to further work with you and try to get some results on lowering, extending payments. This would help us during this difficult time. I want my daughters name as co-signer released as promised originall y by   XXXX   XXXX  , s he is not responsible for this loan. My husband works part time and receives a pension once a month, since I can no longer work we are asking for some leniency please.     The paperwork that was sent should supply and answer all their questions. This matter is still open.
Product: Payday loan, title loan, or personal loan

I took out a loan online due to financial crisis. I was later advised that online loans are illegal in MN and lenders need an NMLS # to do business in MN. I believe MN law is lenders can't charge more than 33 % on loans under {$1000.00}. The loan was for {$900.00} and interest rate being charged is 41 %. 
Is this loan legal? And can they be forced to lower interest rate, if so?
Product: Credit card

Hello, I bought {$2900.00} of flooring from the XXXX XXXX on XX/XX/2022. I was encouraged by the salesperson to take the Home Depot credit card because my purchase was over {$2000.00} so I could get 24 months interest-free. I took the offer because of the 0 % interest. Otherwise, I would have paid out-of-pocket on the day. 
Once the first bill arrived, I divided the total amount by XXXX and set up XXXX equal auto-payments of {$130.00} so it would be paid off before any interest accrued. I didn't go back to look at the account or the agreement once it was up and running. 
So now that 12 months have gone by, I did log in just to see what the balance was, expecting to see about {$1500.00}. Well, no, in fact they started charging me interest in XXXX after only XXXX months, including deferred interest. 
I talked to a couple of XXXX call center people, including a XXXX. They were very nice, but they were reading off a script and would not deviate from the script. They were only authorized to adjust the interest from the most recent 60 days, and only if I paid the full balance immediately. 
So far, Ive been charged about {$700.00} in interest charges, which I would like to be removed from my account. I would be happy to pay off the entire balance immediately and close the account, but I dont want to pay the interest. 
I see on the CFPB website that dozens of other consumers have had the exact same experience. Can you help me resolve the issue, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Product: Student loan

The issue I would like addressed. 
I want the servicer Edfinancial Services to act in good faith when making an offer, I acted in good faith and made every effort to accept their offer of a decreased rate of interest for auto payment which is clearly stated through out their website. 
I tried enrolling online for autopay as soon as I discovered who my servicer was, well before the first bill arrived, no success, I believe it was the first week in XXXX that I finally was able to enter my banking information. Even so there was nothing to notify the user ( me ) on the website of successful enrollment. Not receiving a " congratulations you have enrolled '' page I eventually gave up. 
I got my first bill in the post, the document states I am not enrolled in auto pay. 
I return to the website, try to enroll again. Same results, XXXX feedback that I have complete the request successfully. 
On a lark, I make a call, I speak with a lovey capable person. They inform me that the system is backlogged and auto enroll will take 3 months to kick in ; as long as you dont try to enroll in auto pay again because the 3 months starts from the date of the last request. 
I was also informed that I am not required make any payments until autopay starts. I asked if interest accrues during this time, the response was yes. Anyone that paid attention in High School Home Econ class knows that adding interest to the principle increases the total amount of interest a borrowers has to pay. Any behavioral scientist will tell you, that every time someone gets a bill that states autopay " not enrolled '', that person is going to try to enroll, which starts the process a new and thus never ever, ever be successful in achieving the lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a hard inquiry that i don't recognize on Experian and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.
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. 

List of Unauthorized Inquiries : 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 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: Debt collection

I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.
Product: Debt collection

In the debt validation- they only sent me past bills instead of what I requested. They did not prove that they were authorized to collect the debt, validate anything else. Thought that having XXXX send the bills was enough
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Long beach, CA, XXXX Wells Fargo Bank ( Attention : XXXX XXXX Department ) Personal Lines and Loans ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Wells Fargo Bank Account XXXX XXXX Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the U.S. law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim XXXX to me due to my on-going case with the U. S. Department of Justice ( DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
Wells Fargo Bank Account # XXXX, {$100000.00} ( C/O ) I request that Wells Fargo Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]