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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

They have repeatedly called me before XXXX local time as well as called me excessively ( multiple times per day ). I have informed them of this problem and they said that theres nothing I can do about it without completely being removed from their call list meaning I wont get updates about my loan status. They claim to have made a note on my account but they continue to call before XXXX saying they can call as soon as they open ( XXXX XXXX time ). 
Dates and times of calls before XXXX include : - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX and XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Days they called multiple times : XXXX 3 times XXXX 6 times XXXX 4 times XXXX 5 times XXXX 7 times XXXX 4 times
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I sent a dispute to XXXX for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to Experian for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.
Product: Debt collection

I discovered a derogatory mark on my credit report associated with XXXXXXXX XXXX XXXX  ( Sunrise Credit Services Group ) for an amount of {$2700.00}. When I attempted to call them, they couldnt find my correct information in their records. I initiated disputes with all three credit bureaus, but none provided any assistance. When I requested verification of the debt, they were unable to confirm it was mine, yet the mark remains on my credit report, causing me significant frustration.
Product: Debt collection

A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than Citibank, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is XX/XX/XXXX.
Product: Debt collection

Some one used my name and social security number yo open up a light bill at an address I never lived at
Product: Checking or savings account

My father passed away in XXXX, XXXX. I am trustee and executor of his affairs. I have not received any 1099 interest accounting for XXXX  to do his final tax return. I have called, emailed and my sister visited a branch of US Bank and there has been zero response.
Product: Credit card

American Express closed all my cards without warning due to felony identity theft by most likely my parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2019 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX
Product: Checking or savings account

On XX/XX/2019, I noticed a debit/hold on my checking account in the sum of {$670.00}. I contracted the bank the same day but they were already close due to time difference. On Saturday XX/XX/2019, I go in contact with customer support and was told that I need to file a claim but claims was not opened during the weekend. On Monday XX/XX/2019, I was on the phone with with customer support for almost 3 hours trying to figure out what happened to my money. I was placed on hold and transferred to several different departments of the bank ( claim, closing account, risk management ) ; None of which was very helpful. However at the end of the call I was notified that there was a claim for a check by a customer that was traced back to my account. The check in question was issued to my by the company I work for as salary on XX/XX/2019 and was deposited into my account via ATM on XX/XX/2019. This i believe is considered some sort of fraud and for this reason they were considering closing my account. I then contact my employer whom them informed me that there was never a claim made by her or by the company in regards to the check in question. I went into the bank and spoke with a customer service representative and informed her that there was never a claim from my employer as I was told earlier. I was there from XXXX - XXXX and was unsuccessful in getting anything resolved and was asked to return the next day. On Tuesday XX/XX/2019 I came into the back with my employer and spoke with the branch manager. He tried to figure out who made the claim and why the money was taken out as well as why my account was in closing and debit card deactivated. He never got a reason to why they were closing my account and who made the claim. However he figured out the the problem with the check was that it was never deducted from my employers account. He then stated that the account is currently handed over to an analyst who should see where the error was on the banks part and in the meantime my employer can reissue me a new check for the same amount being that it was never deducted from the company. I left and later retuned with a new check for {$670.00} which I proceeded to cash. I was told that my account is not coming up and I was to be treated as a non customer and charged an {$8.00} fee for cashing my check. I refused to pay and eventually the bank manager waived the fee. He was busy at the moment to look into the account to see what happened. Later I went back to the back to figure out whats going on now because upon checking online I noticed that all the rest of my funds had a debit/hold on it and I was unable to do anything. The branch manager was unable to figure out why they closed the account. It has now been two days after speaking with them and I still havent gotten any explanation and I have no access to my funds that had remained on my account. This is totally unacceptable as a long-standing customers of Bank of America.
Product: Checking or savings account

Someone using my account like me. But i was n't me, someone stole my Bank information. and i did let the Bank let know right the way. After i did notice them, The tell me the will pay my money back to my account the tell me they sorry what happen to me i will never happen again. Few days let i did see a balance on my account says i did owe them Money {$470.00} dollars i did called Chase. To ask about it the tell me i did got i double Credit. from the Company who someone Using Card as me. But i have never receiver any double Credit i did ask them why the let those people put the money in my Account they know the pay my money already. I find it not right them to tell me owe them money while they are Bank is n't secure. The keep putting the interest fee on that money like i did something the been accused me about that, Someone who stole my identity using my card while i have never been at the date of the month was  XXXX / XXXX /17   XXXX   XXXX   XXXX    XXXX  NJ card  XXXX  the amount of {$45000.00} thank you so much i hope you to hear from you soon
Product: Credit card

I was given a 0 % interest offer from Capital One. I checked my statement in XXXX and it still showed 0 % but when I checked the statement again for XXXX it showed XXXX % percent APR and an interest fee of {$730.00}. I called capital one and informed them that I was not notified on my XXXX statement that my interest rate was changing and didnt feel that its right to change my rate without communicating it in my statement. They said there is nothing they could do to make it right. There should be a law that companies have to notify the consumer within 30 to 90 days prior to a XXXX percent APR offer expiring.
Product: Debt collection

I have called this company multiple times to get my account number to pay my debt, every time I speak with the representatives here in XXXX, Virginia, they are rude even though I am trying to pay. They won't take payment over the phone. They stated they are sending me the information in the mail multiple times and I never get anything. I made sure they had my correct address and everything. They will not send me anything. My credit score is being affected by them.
Product: Debt collection

I have XXXX collection accounts trying to collect a debt XXXX from LVNV Funding LLC and XXXX XXXX XXXX XXXX. I have been receiving harrasing phone calls even on Sundays. I have sent them a dispute asking : I am writing to formally dispute the debt you claim I owe in the amount of I request that you verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ). If you are unable to provide proper verification and documentation that substantiates this debt, I request that you remove any negative reports regarding this account from my credit file immediately. 
Under Texas law, specifically the Texas Finance Code, I am entitled to request a verification of the debt and to dispute any claims I believe are inaccurate or unsubstantiated. Until you provide the requested validation of the debt, you are prohibited from continuing any collection efforts or reporting this debt to the credit bureaus.

Please be aware that if this debt is not validated within 30 days from the receipt of this letter, you are required by law to cease any collection activities and remove any negative marks from my credit report related to this account.

I request that you send me the following documentation : 1. A copy of the original signed agreement or contract that created the debt.

2. A statement showing the full payment history, including any interest, fees, and charges.

3. Any documentation proving that you have the legal right to collect this debt, including proof of assignment or ownership.

Please be advised that any further attempts to collect this debt without providing proper documentation or verification will be considered a violation of both the FDCPA and the TDCA, and I may file a complaint with the Texas Attorney Generals Office or the Consumer Financial Protection Bureau ( CFPB ).

Additionally, if you do not respond to this request within 30 days, I will expect this account to be deleted from my credit report and no further collection attempts to be made.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my Experian and XXXX accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.
Product: Student loan

I had to consolidate my student loans with Fedloan Servicing to participate in the Public Service Loan Forgiveness program.

My account shows that I consolidated with them on XX/XX/XXXX. Payment records on Fedloans website shows a payment history beginning on XX/XX/XXXX. In order to qualify for the loan forgiveness, I must make 120 payments. I have made 44. They are saying I have only made 27. According to Fedloan, this past year has not yet been calculated, however, for the past three years, I have been arguing with them over what they are considering qualifying payments.

Including the past year they claim they have not calculated yet, I have made 44 payments and they are saying Ive only made 39. They have said they have disqualified the uncounted payments for the following reasons : I made two payments too close together. Both were disqualified. This is false. I get emails saying when my payment is due. Then I go on to their website and make the payment. Ive never paid when the payment wasnt due. I would be unable to as the amount in the box would be XXXX. In order to rectify this, they asked I make a payment over the phone. I had already made my payment that month, but they asked that I make a second payment taking me out of the pay ahead status. This was done on XX/XX/XXXX. However, those two payments are still not showing as qualifying payments. ( That is two payments not counted. ) They then said one month I paid a few cents too much and another month I paid a few cents too little. This is impossible because I use their internet site and phone app to make my payments. The amount I owe is auto populated. I do not change the amount. I only click on the date and click on my bank account and then submit the payment. It makes no sense whatsoever to change the auto populated amount by pennies. ( That is an additional two payments not counted. ) Another month they claim I was on deferment, which is false. ( That is one payment not counted. ) That brings to total count to five payments they claim are not qualifying payments.

I have disputed this with them on multiple occasions over the years. I have spoken to supervisors as well as other agents. The supervisors have been rude with one telling me that there was nothing they would do for me and to call the media and my local government representative. She went on to say that I wasnt going to win in a fight against them, laughed and then hung up on me. I have researched their practices and have sadly discovered that I am one of thousands of people they are scamming with the Public Service Loan Forgiveness Program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches.
Product: Credit reporting or other personal consumer reports

I called to see if they received the dispute letter that were sent 16 days ago and 18 days ago. The agent bounced around my question multiple times and then hung up once I got frustrated. The second agent hung up after I verified my identity and asked for a manager. The third agent acted as if they never received the dispute letters. I don't know the exact guidelines of CFPB and what exactly your company does for consumers, however, These customer service agents are not XX/XX/XXXX don't live in America, and don't care about doing the job right so XX/XX/XXXXget the results they are supposed to get. Anyone can get a lawyer if they have the credit or money to, however, everyone can not. I am seeking any help that is going to regulate these people and make them do their jobs right.
Product: Mortgage

I am asking Wells Fargo to forgive my loan do to my special circumstance and I explain my Situation numerous times sadly it seams like I am talking g to a bear wall Wells Fargo keep sending me this laym document and totally ignore the fact that my husband is XXXX XXXX and XXXX is not good and if he dies I will hold Wells Fargo responsible I am not asking anything unusual my husband was laid off from his work itt which they closed and following after do to the XXXX he has lots of health issues and worrying about having or not having home is a main trigger to his health issues with this new president I am very scared please Help me not toy me around.
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX, XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/year> ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Checking or savings account

sep ira was set up with wellsfargo without my knowledge. I had funds taken once I discovered its existence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.
Product: Checking or savings account

My savings account with XXXX has been temporarily locked for three days without any discernible reason. They have repeatedly informed me that my account is currently under review. Despite my repeated requests for an updated status, they have been unwilling to provide one. I have requested the involvement of a supervisor, but I have not been assigned one. Furthermore, I have requested additional information, but they have refused to disclose it. I am particularly concerned because I have a closing on a house tomorrow and am unable to access my capital, which is causing me distress. They initially indicated that the account would be unlocked within three days, but now they are informing me that it will take seven days. I urgently require an explanation for the suspension of my account. The companys lack of assistance in this matter is unacceptable.