23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. I filed several complaints and police report FTC and I really would like to get this accounts removed as possible and delete it from all credit reporting.
Product: Checking or savings account

XX/XX/XXXX I payed off the XXXX dollars I had owed to Wells Fargo from a previous account that ended up in fees and later closed but the balance remained and the reason for the fees was due to financial hardship and my daughter needed diapers at the time which led me to overdraft my account. Also on XX/XX/XXXX I attempted to open a new account after paying my debt and Im unable to open and its very frustrating because Im being denied and not a reason why I need a bank account I have my own business and income coming in and no secure bank account to put money in Im very disappointed I was a Wells Fargo customer since XXXX to XXXX and they have always been the bank I talked highly about its disappointing to know they cant help there loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
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 : Merchants Acceptance account number : XXXX, has violated my rights. 
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, states a consumer reporting agency cannic:14 furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 consumer information is inaccurate.
Product: Debt collection

The XXXX XXXX in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/2018. 
I just received a collection notice from Lineberger, Groggan, Blair and Sampson for {$52.00}. 
I contacted the firm to get details. I was informed by XXXX that the XXXX XXXX tollroad in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/ 2018. 
I have paid several toll bills from that time and asked how I could find out or dispute the amount. 
XXXX told me that I could only fax a request to the XXXX XXXX. However, I did not take her at her word and called XXXX XXXX instead. They immediately waived {$20.00} told me to call the debt collector back, XXXX immediately reduced the debt to {$32.00} which I paid. 
Lying to consumers who may not have access to a fax machine is an obvious attempt to increase the amounts collected.
Product: Debt collection

I have been receiving at least 3-6 robo calls per day from numbers purporting to be in XXXX XXXX or XXXX Maryland telling me I owe a debt. They instruct me to phone a toll free number which resolves to Midwest Recovery Systems. I dialed XXXX. I asked the person who took the call to inform me as to who the creditor is. The person was XXXX and tried to intimidate me. He asked for my name which I was hesitant to give because he could look it up by the phone number. He said he had to ask because of the Privacy Act, which I know to be untrue. I did give my name. He then asked for my date of birth, which I declined to give him because it is XXXX. He then said he couldn't help me and hung up. 

I want the harrassing phone calls to stop. If there is a legitimate reason to call me this often, Midwest Recovery Systems must identify the creditor. They have never written to me. The XXXX XXXX XXXX recently suspended their accreditation for this very reason. Please make it stop. 

I do not want to provide any part of my SSN to this company because I do not trust them. My phone number is included in this complaint. They seem to be able to find that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.
Product: Student loan

On XX/XX/year>, I received a document from Aidvantage saying that my student loans were placed into a forbearance due to the issues with the XXXX program and my interest rate would be set to 0 % and I would not accumulate interest during this time. However, I recently checked my balance and found that I have accumulated interest. I have not received any sort of documentation or notification stating that my interest rate had changed and that I had begun accumulating interest once again. I do not even know my current interest rate. My notifications show a 0 % capitalized interest rate and yet my balance keeps growing even though I have been making additional payments that are not required at this time.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Account Number not listed on report, please see attached credit report ) 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 a 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

Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within XXXX  days. Attached are the relevant documents for your reference.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the bank has acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. 

It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

The following accounts in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I just received a letter from my bank account stating that agarnishedon my account to received money was not notified with papers about a law suit and judge sign off on this case the case # XXXX the law firm name is Weinster & Riley I believe this same company yyears ago sent a deputy 's of law to my house and threatening me
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX
Product: Debt collection

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX for reporting inaccurate information to the credit bureaus, which has caused significant harm to my credit score. My XXXX account has a due date on the first of each month. However, XXXX XXXX XXXX reported my account as late to the credit bureaus before the due date, in direct violation of federal consumer protection laws. 

This action constitutes a breach of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information are required to report accurate data. Reporting my account as late prior to the due date is a clear violation of this provision.

2. 15 U.S. Code 1681s-2 ( a ) ( 2 ) : If a furnisher discovers that information previously reported is inaccurate, they must promptly notify the credit reporting agencies and correct or delete the erroneous information.

3. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Consumers have the right to dispute inaccurate information. Upon receiving a dispute, both the furnisher and credit reporting agencies are obligated to investigate and resolve the issue within 30 days. 

I previously contacted XXXX XXXX XXXX to address this issue, but they failed to provide a resolution or remove the incorrect late payment entry from my credit reports. This failure has not only hurt my credit score but has also made it more challenging for me to secure financial opportunities.

To resolve this issue, I am requesting that the CFPB investigate the following : XXXX. XXXX XXXX XXXX failure to accurately report my account information. 
2. Their lack of timely action in addressing my dispute, as required under FCRA regulations.

I respectfully request that the CFPB compel XXXX XXXX XXXX to : Immediately correct or remove the inaccurate late payment entry from all credit bureaus ( Experian, XXXX, and XXXX ). 
Provide a clear explanation of why this inaccurate information was reported.
Product: Consumer Loan

The loan was originally taken out on XXXX XXXX, 2015 whereby the first inquiry was authorized & initiated. The loan was for the purchase of furniture, which was delivered in XXXX, 2015. While reviewing my credit profile, I noticed that said lender had run another credit inquiry on XXXX XXXX, 2015, which was not authorized. This XXXX inquiry prevented me from acquiring another loan! I have called the lender endlessly since I noticed the second inquiry, and even made several trips to their office - all of which seemed to have literally gone unnoticed! The manager had once instructed me to type a letter, which would be forwarded to their corporate office ( see attached ) to clear the matter up. To this date ( it 's been over 4 months since the letter ), all I get is the run around with nothing being accomplished!
Product: Mortgage

I have had nothing but problems with Carrington Mortgage dating back to XX/XX/XXXX. My husband lost his job in XX/XX/XXXX and we struggled to make our XX/XX/XXXX house payment. Called Carrington for help only to get the response you are not currently late so we cant help you. And so the process begins. After missing a few payments, we filed for a loan modification ( nightmare ). It took over 6 months to get the modification approved and meanwhile we fell further behind in our payments. I had to do the modification twice in order for it to be approved. I called Carrington every week during this process and received different answers every time I called. Foreclosure notices began arriving when I was told that wouldnt happen during the modification process. Again, different answer whenever I called. Modification finally got approved in XX/XX/XXXX but it has taken Carrington over 3 months to complete the process on their end. Meanwhile I have made our new payment amounts, per our approved modification, for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time every month. Yesterday, XX/XX/XXXX I received a foreclosure notice for failure to make the past 3 months payments. I called Carrington and was assured my mortgage was current and to disregard the letter. I then asked if they reported me as late to the credit bureaus. I was informed it was not reported as late. After hanging up the phone I checked the credit report and sure enough they did report it as late for the last 3 months. I immediately called back and the person I spoke to said it was reported as late because I was late-bull!! He said I needed to write a letter to their customer research department asking them in investigate it. I said why should I have to do that when I am not late, you ( Carrington ) need to fix it not me. He ignored all my questions and just kept trying to give me a fax number. Not getting anywhere with him I hung up and called again asking to speak to a supervisor. I was put on hold for several minutes and the same person came back on the phone and told me there was nothing they could do by phone. I am fuming at this point and insisted on speaking to the supervisor. Not sure who I actually got transferred to but she said they could fix it but she would need me to fax my credit report. I said you can just easily pull it up yourself and she said I cant do that. I said youre a mortgage company you pull credit reports all the time. She said she couldnt help unless I fax it. So in just 1 hour I received 4 different responses from 4 different people! This has been the way its been for the past year, nothing but problems and hassled from Carrington employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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
Product: Debt collection

I had contacted the debt collection agency when I notice I had a collections on my credit report. I contacted the collection agency on XX/XX/year> to talk to a representative and request an itemized list of the debt that was to be collected as I had received a notice from them that just named the company and the amount they were seeking to collect without any information on what that amount was for. I called again today to ask why I was not provided that information yet. I had given the collection agency 60 days to provide me with that information and I was not able to get information as to why I had not received that yet. Instead the agent was combative and gave me the run around instead of explaining what was going on with the status of debt which is still on my credit report.
Product: Checking or savings account

I own a XXXX XXXX  XXXX, I decided to use square to handle card payments, my first card transaction was {$850.00} and a few days after recieving payment, square permanently suspended my account and held my money, when I log into my account I am told that my funds are held for XXXX days, it has been almost 2 months, i tried emailing them and it is as if their whole email system is a robot, I get the same response every time, they refuse to give me any information, they refuse to give me my money, and now they are telling me to wait XXXX days instead of XXXX days. 
As a small business this hurt very much, after putting almost all of my life savings to start this business, then on my first transaction they tell me my money is held, {$800.00} is a lot for a business that is just starting, and this almost put me out of business and made me loose many customers.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Consumer Loan

Since XXXX of 2014, I wanted to have my payments due on the XXXX or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee.
Product: Credit card or prepaid card

This bank treats me horribke with my application first the verification process is so long I was approved for my macys XXXX account but they wont send me my card they refuse they cant even find an account in store. Or when I call them to request my card so frustrating and what do I do if no one can find my account how do I use it this is so unfair Im also XXXX and feel discriminated against.
Product: Checking or savings account

I mailed a check to my landlord through Chimes app on XX/XX/XXXX for {$950.00}. The check was returned uncashed by XXXX XXXX XXXX. Despite sending the letter from XXXX XXXX XXXX to Chime numerous times over the past two months, they still refuse to acknowledge that the check was returned uncashed and refund my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of XXXX. I did not. No mono was requested or received for education as a loan or XXXX. I was not attending any college, university or trade school. I was not a student at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was actively XXXX in the military. I had an account with XXXX XXXX XXXX. While XXXX my then girlfriend started using the card. Although she was making some payments, she was not making others, then just stopped after she maxed out the card and left me. I call XXXX XXXX as well as filed a dispute on my credit report as well as a police report and ID Theft report. The card is still showing on my credit after multiple attempts of removal.