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  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times in response to information being reported wrong on my credit report. Equifax has had two major data security breaches and its unbelievable that they have made it extremely difficult to dispute inaccuracies and follow the law and investigate disputes according to the FCRA. Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) as they have not responded, nor investigated these accounts. These accounts are unverified and should be removed immediately per the FRCA. The accounts are below : 1. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
3.XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
4. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
These accounts are unverified and I will need proof as to verify these accounts and investigation that should take place according to the Fair Credit Reporting Act. 
5.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account 6.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account The following credit inquiries are unauthorized and should be investigated and removed immediately. I have a fraud alert on my credit profile and never received a call to make sure these credit inquiries were authorized. The unauthorized credit inquiries are below : XXXX XXXX XXXX-Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX Please investigate and delete these inquires immediately as they are unauthorized credit inquiries. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
Product: Credit reporting, credit repair services, 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 need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF CHILD XXXX XXXX XXXX XXXX DEPARTMENT OF CHILD XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and lvnv is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while XXXX and XXXX reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness XXXX incompleteness and XXXX has XX/XX/XXXX. 
Second LVNV XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) Lvnv have furnished inaccurate information!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints with Experian for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the seven year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XX/XX/2017    by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Product: Debt collection

Got letter stating my account was purchased by Dynamic Recovery solutions from another hospital in violation of my hippa
Product: Checking or savings account

On XX/XX/XXXX & XXXX XXXX mine and my wife 's checking accounts were hacked when 2 unknown parties were able to open up accounts and transfer {$2500.00} and {$2400.00} out of our checking account via XXXX without our authorization. USAA investigated the issue and originally ruled in our favor on XX/XX/XXXX, restoring access to our accounts and XXXX refunded us the money. My wife moved the funds to another internal checking account within USAA just to keep it safe. Then on XX/XX/XXXX, USAA shockingly reversed their decision and not only rescinded the refund, but also charged us an additional {$5000.00} to the checking account my wife transferred the funds to leaving both checking accounts with a negative balance of thousands of dollars. After doing a review and a re-review of the investigation, USAA claims that there was no fraud, and my wife somehow willingly gave out her login credentials to these random people that we don't even know, which she did not do. We wouldn't even give out our credentials to other family members, let alone some complete strangers. I was originally told that when the investigation concluded that I could speak to one of the people who investigated the claim, if it didn't go my way, to review the evidence they had to support their claims. After the re-review concluded I asked to speak to one of the investigators and was denied. I recently read an article yesterday that the Texas state AG reported that USAA experienced a data breach back from XX/XX/XXXX to XX/XX/XXXX and shortly afterwards we were hacked. The report said thousands were affected and no reports on the location of clients who were impacted. I have been a member of USAA for over 18 years and have never been treated this poorly before. We are devastated and would like to see our accounts be credited the amounts that were removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. The account ( XXXX XXXX XXXXXXXX Account : XXXX ) which I do not recognize or have ever done business with referred account and or collection as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX XXXX XXXX XXXX, IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.
Product: Credit reporting or other personal consumer reports

Account reported XXXX late payments from XX/XX/2022 to XX/XX/2022. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies section F. The furnisher is to make accommodation for XXXX or more payments during the pandemic and shall keep the account current. My account was deemed late despite making a full effort to stay current and pay off account. Account is now closed and payed in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Mortgage

THE FOLLOWING ARE THE REASONS THIS MODIFICATION SHOULD BE RECONSIDERED. 

XXXX Wells Fargo determined we are over the Hamp Guidelines and we are not. We owe {$720000.00} and guideline is {$720000.00} ( we do not owe you a XXXX of {$47000.00} We borrowed this money from in-laws to pay current. ( this is why we have a lien on our property for this. All late fees are to be waived per Wells Fargo when modified. ( attached current coupon ). 

XXXX. The value that was determined by the XXXX is way off. The value of our home is at least 1.1 million to 1.2 million ( remember my husband is an XXXX ). See attached sales and they did not even considered our horse keeping and our pool, spa and waterfall and R.V. access and complete remodel inside and out. ( see attached comps ) They also used comps that had no usable lot and all upslope and we are completely flat. 


XXXX. The income that was determined is way off. The underwriter considered our income based upon not guaranteed salary for co-borrower and also determined our income based upon personal expenses and husbands payroll deposits put into co borrowers XXXX account. I had to prove this to XXXX as well. They did the same thing but when I provided the proof they changed it and gave us our mod. ( see attached ) we just received a mod for our rental property. Please also be informed my husbands pay increase just started in XXXX 2014 and we received his XXXX check mid XXXX for the higher amount, prior to that his income was much lower. I have attached XXXX, XXXX XXXX XXXX, Bank Statements all of which support my claim to what I had to show to XXXX recently for them to approve our mod on our rental. You are doing the very same thing they did and once I provided them proof what was personal and what was business for deposits and expenses the mod was approved no problem and our DTI was XXXX. 









XXXX. Attached e-mails from XXXX Wells Fargo XXXX who advised me not to make any payments and assured me our loan would be modified and you would not try to take our home. 
XXXX you told me on XXXX occasion you could not advise wheter I make a payment or not but it would be best to wait for the outcome of this mod. You as a home preservation XXXX should know right away whether we meet the XXXX guidelines and you should also know if we had a previous mod. We should not have had to wait for so long only to find out you could not modify. With you working in such the capacity you are, you should know this and not string us along.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and previously informed your agency on XX/XX/year>XXXX  about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent accounts on my credit report. These accounts were opened without my authorization, and I demand their immediate removal. 

The fraudulent accounts in question are as follows : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts are not mine, and I am a victim of identity theft. Enclosed with this letter, you will find a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which substantiates my claim, along with a copy of my government-issued identification and proof of address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I expect you to conduct a thorough investigation, remove these fraudulent accounts from my credit file, and send me a corrected credit report reflecting these changes. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Please confirm receipt of this letter and provide updates on the status of your investigation. You may contact me at the email address or phone number listed above if you require additional information. 

Thank you for your prompt attention to this matter.
Product: Credit card

On XX/XX/year>, I booked a hotel in XXXX for XXXX XXXX XXXX  via American Express Travel XXXX The total cost for the booking was {$280.00}. After booking, I found a lower rate of {$40.00} less on XXXX for the same hotel and stay dates. Trip ID : XXXX. 

I submitted a Lowest Rate Guarantee claim to American Express Travel. Despite providing a valid screenshot showing the lower rate, my claim was denied on the grounds that the XXXX rate was a membership rate. 

This response is incorrect. The rate in question was the XXXX XXXX XXXX XXXX, which is publicly available to anyone who signs up for a free account. There are no exclusive conditions, paid memberships, or special affiliations ( such as military or corporate discounts ) required to access this rate. Therefore, this rate meets the criteria for online rates available to the general public, as outlined in American Expresss terms.

I have made several attempts to explain this to American Express Travel and even escalated my request to a supervisor. However, they continue to deny my claim, despite their failure to demonstrate that the rate I found violates their stated terms. 

Dates and Actions : 1. Date of Booking : XX/XX/year> XXXX. Amount Paid : {$280.00} XXXX. Lower Rate Found on XXXX : {$40.00} less 4. Claim Submission : XX/XX/year> XXXX. Response from American Express Travel : Denied claim on the grounds of being a membership rate ( multiple responses included in email thread ) 6. Escalation to Supervisor : Also denied with the same reasoning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported me late. I tried to resolve it with them in XXXX and they never fixed the issue. They instead reported late payments and reported it as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 32 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I called LendingPoint to ask if they could help with my payments as I lost a job in XXXX of XXXX. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX the account was closed. They said to wait 60 days to receive the remaining funds. Now the account is closes and they are holding the funds until the person who sent an ach transaction comes in with ID to verify they sent me the funds. The ach has not been disputed by the person and the person is out of the country so can't go into a bank. We asked to have the funds returned to his bank but they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation to 2 collections on my credit report which is XXXX  and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX XXXX is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.