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

XXXX reported a 30 day on all XXXX credit bureaus violation of 15 USC 1668B in the month of XX/XX/year> which I was never late and Now its move to XXXX that inwas late which the representative at XXXX on XXXX XXXX XXXX XXXXXXXX tn clearly showed inwas 30days late in XXXX. XXXX has reported to all XXXX bureaus that my payment is also XXXX in the month of XXXX and my payment isn't due yet for XXXX reporting erroneous payment dates before due or payment date. I was never late and disputed this multiple times but no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter ( s ) off on XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo charged my account a fee of {$3.00} for Online Deposit Details & Images service. 
To date, this {$3.00} fee has been charged to my account ( s ) in about 5-8 occasions. Each time I had to contact Wells Fargo to reverse the charges. Charges have been reversed for the incident on XX/XX/XXXX as well. 

- On XX/XX/XXXX, as previous, I have not used the Online Deposit Details & Images service - They claim that 'he or she will be prompted to accept a fee of {$3.00} '. I have not seen this, nor have I accepted to pay the fee anywhere else - This time they have completely removed all traces of the {$3.00} debited from my account This seems like another unauthorized charge/ fee by Wells Fargo Bank on its account holders. Request CFPB to investigate if this is another widespread illegal charge by Wells Fargo on its account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report  and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX
Product: Mortgage

Tried to log in to account to pay mortgage but account wasn't found. I was told that I needed to re-register for some random reason and when I tried to re-register I could not.
Product: Checking or savings account

On or about XXXX, XXXX, XXXX my debit card ending # XXXX was used to make unauthorized purchases and withdrawals in the amount of XXXX $ I submitted a fraud complaint case ( # XXXX ) XX/XX/XXXX ; while detained in a Pennsylvania XXXX XXXX XXXX Once released on XX/XX/XXXX I was able to formally inform the fraud department by phone numerous occasions and was directed to wait the mandatory XXXX day review period which ended on XX/XX/XXXX. I subsequently forwarded more evidence i.e. Police Report, POA, to rebut the first Denial to no avail. I contacted the fraud department numerous times from XXXX XXXX XXXX, XXXX under the impression that a second claim was initiated by following instructions given by a fraud agent during a phone conversation on or about XX/XX/XXXX. Their terms and conditions don't explicitly state the prerequisites on how to initiate a second fraud claim nor was I explained that internal due process. I deem my consumer rights have been denied by this lack luster administrative process...
Product: Credit reporting or other personal consumer reports

This is false fake fraudulent credit reporting. I have never made a payment to this fraudulently induced loan. Remove from publication. U r being sued for this and it is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, These accounts have violated my federally protected rights to Privacy and Confidentiality Under 15 USC 1681 : XXXX XXXX XXXX XXXX : Acct No. Unknown? 

XXXX XXXX XXXX : XXXX ..... 

15 U S C 1681 SECTION 602A : BOTH AGENCIES HAVE VIOLATED MY Privacy Rights.

15 U S C 1681 SECTION 604A ; XXXX XXXX XXXX can not furnish an Acct without my written instructions & consent. 

15 U S C 1681 c1 : No Consumer Reporting Agency may make any consumer report containing any of the following items.

15 U S C 1681 2 : A person shall not report any information related to consumer to any consumer reporting agency if the person knows or has reason to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im filing this dispute because two XXXX XXXX accounts are still showing on my Experian credit report, even though XXXXXXXX XXXX XXXX have already deleted them. I never gave written consent or permission for these accounts to be reported in the first place. I already submitted an opt-out notice, yet Experian continues to report them. This is a clear violation of my rights under multiple laws. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( a ), a credit bureau can only furnish a report with a permissible purpose, and I have explicitly revoked consent for these accounts to be reported. By keeping them on my file after I opted out, Experian is violating the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802, which gives consumers the right to limit how their financial information is shared. This is also a violation of 15 USC 1681a ( q ) ( 3 ), which reinforces privacy and accuracy requirements for credit reporting. It is unacceptable that XXXXXXXX XXXX XXXX complied with my request, but Experian refuses to do so. This is a blatant case of willful noncompliance under 15 USC 1681n, and I demand the immediate removal of these accounts. Experian has no legal basis to continue reporting them, and if this is not corrected immediately, I will escalate this matter further.
Product: Credit reporting or other personal consumer reports

Hello I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX off open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX off for the months of XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX for the months of XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

In accordance with the Fair Credit Reporting act 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. 

The accounts include the following : XXXX is XXXX XXXX is XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXX XXXX  which is for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I noticed Upstart reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from Upstart. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with Upstart practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these companies are unathorize I didn't tell these companies to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in XX/XX/2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.
Product: Checking or savings account

XXXX XXXX is charging fees that are excessive and posted in an order to assure that they are able to charge as many fees as possible. I was going through a financial hardship last year and also dealt with fraud. My account had accrued over {$900.00} in NSF Fees. I was unable to get my head above water for weeks. Every paycheck that was deposited was being depleted with NSF Fees. I finally made the decision to leave the bank in XXXX of XXXX. I got a letter from a debt collection agency ( XXXX XXXX ) this week stating I owe South State {$220.00}. I have tried to access my bank statements as they were e-statements so i could see the exact amount of NSF Fees I have paid them. Please look into this and request they send a statement showing these fees. I called the home office and spoke with a representative and told them I was unaware of opting in for overdraft protection. For debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you dont opt-in, you cant be charged a fee. I told this representative that I did not want this and to please remove it from my account. They continued to charge me fees.
Product: Credit reporting or other personal consumer reports

judgement that was closed is reflecting on my credit report in which i went to the court house and i dont owe any balance my balance is XXXX
Product: Debt collection

I am writing to file an complaint against XXXX XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim. 
Allowing Second Round LP 's attempt to " re-age '' negative trade-line, a violation, even in situation when Second Round LP failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with XXXX, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by Second Round, LP. 

XXXX and Second Round LP, could not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account reporting on my Equifax credit report that was closed in XXXX of XXXX. I pulled my credit report today from XXXX  and it shows that EQUIFAX is reporting this closed account with 30 and 60 days lates in XXXX. HOW ARE THEY REPORTING CURRENT LATES ON A CLOSED/PAID ACCOUNT? 

30 DAYS LATE - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE - XXXX This has been an huge impact on my credit report and is affecting me greatly. This account has been paid/closed for 5 years! Not to mention that the account has been reporting negatively on my credit report and XXXX makes 7 years since the date of 1st delinquency.
Product: Debt collection

In the past month I have received no fewer than 3 threatening letters on a questionable debt not listed on my past 2 credit reports ( almost 16 years ). 

The letters, from XXXX XXXX XXXX XXXX XXXX imply they have the force of law behind them to the uninformed. Additionally, the threats can not be legal ( enclosures ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. Chexsystems has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXX/XX/year> Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Product: Debt collection

This is not my account. i have no knowledge of this account 15 USC 1681b
Product: Credit card or prepaid card

The sign up bonus is XXXX points after spending XXXX within 3 month for XXXX XXXX credit card. 

I applied the card XX/XX/2017, met the requirement but never got the points. Called BOA and the rep think i should get it but has no authority to award the points so created a case. 
The case never solved. 

Called the 2nd rep 3 month later and had another 'case ' created, at the end they said i did not met the requirement. I complained but never heard back since then. 

i never thought contacting CFPB until now.
Product: Credit reporting

Experian Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Product: Debt collection

This company WILLIAMS and FUDGE has reported me to the credit bureaus falsely without first contacting me which is against the Fair Credit Reporting Act. 

The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. XX/XX/XXXX the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. 

This should have also prevented this company from sending and false information to the credit bureau without first contacting me giving me a chance to dispute this information before providing this information to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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