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

I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard. Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX {$2500.00} XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00}
Product: Prepaid card

I called to ask why my card keeps getting declined keep in mind theres still {$140.00} left on the debit gift card. When I called they said that my account was restricted and for me to be able yo start using it again it I would have to send them my social security and drivers license via fax. It felt like a scam so I refused to send them any information especially on a gift card that should be able to work anywhere you go. That was giving to me as a gift. I talked to a supervisor but this time she said I only need to send my drivers license via fax not my social security. This is a SCAM! I refused to send any personal information and told them I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation no knowledge fraudulent account with XXXX XXXX XXXX, address, name, telephone and inquiries that I did not authorized appeared on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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 or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Debt collection

I have been trying to fix my credit, I sent out multiple letters to XXXX but they are not complying with 15 Usc 1681e ( b ), 15 Usc 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( C ). and I just found out about the new lawsuit that CFPB came out with against them *CFPB Sues XXXX for Sham investigations of Credit Report Errors, XXXX XXXX not property investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. 
I contacted one Bureau and they stated that it would be removed, it was later removed from only ONE profile ( XXXX  ) & remained on the other ( XXXX )
Product: Credit reporting or other personal consumer reports

I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. XXXX XXXX OFFERS XXXX XXXX  ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXX XXXX THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX XXXX THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.
Product: Checking or savings account

I opened an Business account with Wells Fargo and when I started it I was the only person on the account with only my information. 5-6 months later a person 'a name unknown to me had her name as secondary person for my emails. I talked to someone in their fraud division and filed a complaint. They did n't know who was and have n't given me any information about this
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. 

ATTACHED IS THE LETTER REQUESTING REMOVAL OFF THE UNAUTHORIZED INQUIRIES.
Product: Student loan

Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. Navient handles {$300.00} XXXX in private and federal loans for some XXXX XXXX people -- touching about one in four student loan borrowers. Every customer may have been affected by Navient 's misdeeds. Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau 's legal filing. I attend XXXX XXXX XXXX, I am overpaying for my student loans and can not afford them. Navient is not willing to work with me and grant me any type of student loan forgiveness or a forbearance. XXXX XXXX inappropriately charged a 5 % late fee when certain borrowers missed a payment. I was not helped nor was I given any repayment options to get a lower payment. Now I am being forced to lose everything just to pay my loans. The reps are so nasty and mean and have no remorse for you or your situation as if it is them paying the loan.
Product: Payday loan, title loan, or personal loan

Because of their hard inquiry on my credit, I've been denied a loan specifically citing this company as the reason why i was denied. the new company refuses to reconsider the application without proof. They want the official letter of denial from them. the letter is listed on their website, but gives no way to download or printer said form. The new company will now take any other form of the form besides the official PDF. so i can't copy and paste, i cant take a screenshot. the company insists there is a way to download on their site. I work in XXXX  and i can promise you their site does not have a way to download the form. and they are refusing to be of any further assistance.
Product: Debt collection

I have been getting emails and collections letters telling me to pay money from banks of Wells Fargo, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they asked me not to send any money orders or checks, only said they would accept Cash Only in the mail.Someone stole my identity and opened up bank accounts in my name and then they overdrawn the accounts in excess amounts of money.These banking institutions would not send me any proof that I owe this money and my signature was forged on all these fraudulent bank accounts.I have been giving money to these institutions and collections threatening me with jail time and not sending me proof that I opened these accounts.I have been giving away large amounts of money.
Product: Debt collection

To whom it may concern, in XX/XX/XXXX, my father, XXXX XXXX, residing with us at XXXX XXXX XXXX, XXXX, NJ, secured an online personal loan of {$10000.00} from XXXX using my name and personal information without my consent. The funds were deposited into a bank account that my father controlled, and he claimed the loan was his, stating that repayments would be made from his social security and pension. I became aware of unauthorized withdrawals from my account and subsequently placed a stop payment, requesting my father to resolve the issue. This occurred around the onset of the COVID-19 pandemic when collection efforts were minimal. Upon being informed of the debt, I clarified that it was not mine and provided my father 's contact information. Following my father 's passing in XXXX, I considered filing for bankruptcy regarding the XXXX account and others with our attorney, XXXX XXXX XXXX, but opted against it due to the lack of collection activity or legal action for an extended period. My wife is currently involved in an active XXXX  XXXX bankruptcy as of XXXX, and I may also need to file. I have reached out to XXXXXXXX XXXX  to obtain deposit account information, and stop payment request that pertain to the loan. A letter is being sent to confirm that as of XXXX all prior records and transactions where deleted by XXXXXXXX XXXX due to an updated computer system and no information could be found.
Product: Mortgage

With the Covid 19 I am struggling to make payments I reached out to my Mortgage company Bank of America on XX/XX/XXXX, I Spoke to XXXX I explained my situation and she said what they can offer is to defer the payments and add them to the back of my loan they can do this up to 3 months but will need to call in each month. I said no problem I would call again in XXXX. On XX/XX/XXXX I called Bank of America again because I hadn't received and letter regarding I was accepted on the deferment. I spoke to XXXX She pulled up my account and stated that it shows I called in on XX/XX/XXXX and I was accepted and they were not sending anything out but not to worry because everything was showing in my record. on XX/XX/XXXX I received my bill from Bank of America for my mortgage payment showing I was a month behind. I called Bank of America I spoke to XXXX ( XXXX ) XXXX who is with debt collection who informed me now they will do XXXX, XXXX XXXX and I will need to call and then they will discussed my option at that time, as to how to pay back the missing payments. I said I was already told they would ad to the back of my loan he made it seem that, wasn't rally one of my options. I would never of missed my XXXX payment, I asked why was I told that it would be added to the back of the loan his response was we really didn't have much info back then and he said he told people that also. This is misleading I has enough to make my XXXX payment but I do not know what I'm going to do moving forward, I have never missed a payment before this. I do not see how Bank of America and say one thing then change.
Product: Vehicle loan or lease

I feel that Wells fargo charged me more than supposed to on my auto loan. they are currently being sued for doing this to millions of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and XXXX  every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : 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 or other personal consumer reports

XXXX of XXXX I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over 15 times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all 3 platforms. Experian, XXXX XXXX and XXXX. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over 17 different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out 132 pages on this report that the inquiries listed are insane. I have requested for this to be taken care of as well.
Product: Credit reporting

I have contacted Transunion to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.
Product: Credit card

Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode. 

On XXXX XXXX, 2015, I communicated to TD Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of TD Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015. 

I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is " forgotten passcode '' and the issue of not receiving correspondences from TD Bank is moot because one of the mailings to prove identity was from TD Bank, and not the reason for contacting the bank on XXXX/XXXX/15. 

I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode. 

Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact.
Product: Vehicle loan or lease

I have requested proof that the car has been repossessed so that I can give it to the Louisiana DMV because I dropped the car insurance and Toyota is refusing ho provide any paperwork to me its been almost 2 years
Product: Debt collection

I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe. 
I have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove these fraud=inqccurate inquries on my credit report, sent in ftc reports XXXX police reports, talk to multiple employees at equifax. This is rediculous, they told me to send in an ftc report, and the inquries would be removed. over a month later, the inquries are still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report, I still saw those inquiries listed as Unspecified The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

To my knowledge, I have not signed any documents authorizing these organizations to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.
Product: Credit card

I had problems with my bank account. I called them to let them know. They decided to collect the money and close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.