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

On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as Experian, XXXX, and XXXX have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies.

Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information.

Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that Experian, XXXX, and XXXX has failed to fulfill its obligations under 15 USC 1681s-2, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress.

I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX ; 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
Product: Mortgage

Chase caused my credit to be damaged by telling me to not make payments while they modified my loan then when I tried to catchup reported my payments as lates
Product: Credit reporting, credit repair services, or other personal consumer reports

The Chapter XXXX Bankruptcy with the record number XXXX is not my account, I have disputed this and it still remains on all three bureaus of my credit report. I have disputed this bankruptcy multiple times, and have even received letters from the bankruptcy court that I've attached that confirms they can't prove my bankruptcy, but they still remain.
Product: Checking or savings account

I have had continuous problem with bank and representatives providing wrong balance including what reflects on the app! I have noticed this usually tends to occur late at nights! Last night I tried to check my account on my mobile app around XXXX am it was out so I couldn't Log in the app. I contacted the XXXX hours customer service they advised me to call after XXXX XXXX  because of the nightly maintenance. I tried to stay awake and called at XXXX pm and explained my concern with the agent and asked her on a recorded call to ENSURE the balance she was providing on my checking account was accurate and final. She cracked XXXX different systems per her claim, and she said my basis was {$120.00} and some change. I advised her of my bad and ongoing experience with bank providing Incorrect information specially night times and she apologized, and acknowledged and refunded some overdraft fees but I woke up this morning to negative {$380.00} balance again!! I indicated Last night to the agent of it occurs again, since its a continuous issue, complain will be filed with CFPB as this is causing me severe financial distress.
Product: Checking or savings account

Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ), I opened checking account via their website on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. I contact USBank customer service twice in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Core Logic / Credco accessed my credit report without permissible purpose. I sent two letters with my SS # requesting the authorization used to access my credit. I receive form letter stating there is not enough information to process my request. Form letters are the norm of large companies.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$6600.00}
Product: Checking or savings account

Via my previous employer, XXXX ( owned by XXXX XXXX XXXX ), benefits program, I was able to open an XXXX account and XXXX  account - both managed by Webster Bank under their " XXXX '' brand. Both accounts are solely funded by my deposits. There are no matching funds from XXXX placed into either account. Neither account has a " use it or lose it '' policy within a calendar year. That is, no unused funds expire and all unused funds roll-over into the next calendar year. 

I am no longer with XXXX but am still able to use my XXXX debit card until all of the funds are depleted. Since I'm no longer commuting to an office, I called XXXX XXXX asking to cash-out the {$880.00} in my XXXX  account. Instead of informing me how to withdraw the funds- and possibly issue a 1099 statement- they told me that I can't access the funds because I am no longer with XXXX. 

If the account was funded by XXXX or if it was a " use it or lose it '' account, I could accept Webster Bank 's response- but neither is the case. I believe it is illegal for Webster to take my funds and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Experian Credit Reporting Agency, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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: Mortgage

XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXXXXXXI have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX
Product: Credit card

.Additionally, under 15 U.S.C . 1681e ( b ), credit bureaus must ensure the maximum possible accuracy of the information they report. The ruling in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), confirms that failure to meet this standard constitutes a violation of the FCRA. Given that the information I am disputing remains inaccurate and unverified, your continued failure to correct these errors demonstrates negligence and noncompliance. 

Given that the information I am disputing remains inaccurate and unverified, your continued failure to correct these errors demonstrates negligence and noncompliance.

For the third time, I demand that you : 1. Delete or correct the disputed items unless they can be verified with proper documentation from the original creditor.

2. Provide a detailed explanation of your investigation process, including the names of parties contacted and the nature of verification.

3. Send me an updated copy of my credit report reflecting these corrections.

If you fail to comply within the 30-day period as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will explore legal remedies, including filing a complaint with the Consumer Financial Protection Bureau and considering legal action for willful noncompliance under 15 U.S.C. 1681n, which provides for statutory damages, attorney fees, and possible punitive damages. 



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

Syncb- Inquiry from XXXX XXXX, 2018 - XXXX XXXX XXXX XXXX XXXX Fl XXXX This is from my XXXX   XXXX and I do not recognize this hard inquiry on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Debt collection

I am writing to express my strong objection to Midland Credit Managements unlawful debt collection practices and violation of my rights. Despite never having a contractual agreement with them, they have been attempting to collect a debt from me. 

I am submitting this complaint against Midland Credit Management for the following violations : 1. Lack of Contractual Authority ( FDCPA 807 ) : Midland Credit Management was never contracted by me to collect any debt.

2. Failure to Validate Debt ( FDCPA 809 ) : Midland Credit Management has failed to provide validation of the debt, including the original contract, who funded the account, and my obligation.

3. Harassment and Invasion of Privacy ( FDCPA 806 ) : Your collection efforts are harassing and constitute an invasion of my privacy. 
4. Unfair and Deceptive Practices ( FDCPA 804 ) : Midland Credit Management has engaged in unfair and deceptive practices, including misrepresenting the debt and your authority to collect.

5. Negligent Reporting ( FCRA 623 ) : Midland Credit Management has negligently reported false information to credit bureaus, damaging my credit score.

Additional Allegations : 1. Organized Crime : All " lending '' agencies, debt collectors, and credit reporting agencies have engaged in organized crime, including : Extortion, Fraud, Conspiracy, Racketeering ( RICO ) 2. Peonage : The debt collection practices have forced me into peonage, a form of modern-day slavery, by : Coercing me into paying debts through threats and intimidation, creating a cycle of debt that is impossible to escape, Using high-interest rates and fees to maintain control over me, Limiting my access to credit and financial resources 3. Human Trafficking : The debt collection practices have subjected me to human trafficking, including : Forced labor ( through debt bondage ), Exploitation ( through excessive interest rates and fees ), Coercion ( through threats and intimidation ).
Product: Debt collection

Equifax continues to update this collection on my report within a day without any validation I've contacted the company and they have not sent me any info on this account and starting XX/XX/XXXX the Medical Debt Relief Act of XXXX H.R.773 medical collections under XXXX is not to be reported on a consumers credit profile and 1 year waiting period for medical collections to report i am also requesting an itemized statement for this account
Product: Student loan

I reached out to cfpb in 2016 regarding issues with Navient before you all reached a settlement with them and after my 2016 complaint they began to charge me late fees and continued to charge the same fees every month for the past 4 years. I would pay the fee and it never got removed so I'd pay again and they'd still charge me. They have now transferred the fee to Mohela for me to pay again. I have more documents to attach to support my claim, but the files are too large.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 15 U.S.C 6802a Section States : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S.C. 6802a ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 15 U.S.C. 6802a ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S.C. 6802a ( b ) ( 1 ) ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S.C. 6802a ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C. 1666b ( a ) Time to make payments : Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 15 U.S.C. 1681e ( b ) Accuracy of report : Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

I have tried numerous times to lower my payments to something I can afford with no success and my loan just keeps getting larger and larger every month
Product: Credit reporting

I am contacting you today, XXXX XXXX 2015 for the second time after not hearing back from you on XXXX XXXX as you stated in your response phone message to my first complaint. Please remove the XXXX XXXX account from my Transunion credit report as it has been closed and is reported closed on the XXXX credit report. 
Please respond immediately!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XX/XX/year>, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION AND ITS NON EMPLOYEES WHO'S NAME WAS XXXX FROZE MY XXXX OVERDRAFT ATTACHED TO MY CHECKING ACCOUNT THATS IN GOOD STANDING WITHOUT GIVING ME PRIOR WRITTEN KNOWLEDGE THAT MY OVERDRAFT WOULD BE FROZEN AS THE LAW REQUIRES. 
XXXX ALSO OECN XX/XX/XXXX AT XXXX INTO THE NEXT MORNING SAID HE DIDN'T WORK IN COLLECTIONS WAS DEMANDING I PAY FOR ANOTHER ACCOUNT OR MY GOOD STANDING ACCOUNT WOULDN'T HAGE MY OVERDRAFT PROTECTION. THATS NOT WHAT MY INITIAL CHECKING TERMS AND AGREEMENT STATES ..NFCU also on my online still had my checking account XXXX and some cents after I made a deposit of XXXX Today at XXXX XXXX on XX/XX/XXXX on my online account nor the date or error was updated but XXXX still accepted my XXXX bringing my account current and positive. 
XXXX was rude and my fiance tried to explain but he said he'd have to have the entire XXXX paid also in the positive causing me another financial hardships. 
Also I wrote the President of NFCU she transferred my account to Collections when nor my loan or checking account they opened without hesitation because I've been a good member and customer since XXXX. 
This has caused me to have to borrow money from family and friends therefore causing embarrassing situation that wasn't necessary. 
Only if they hadn't froze my account if I have to I recorded the violations XXXX the supervisor stated in our conversation. I was never contacted in writing or told by telephone as the law requires to collect a debt.
Product: Debt collection

The debt is not mine. The debt was incurred in XXXX XXXX I live in Florida. My identity was used stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, CBNA gave me a inquiry on my report and i didn't create nor authorized this inquiry on my report. This inquiry is fraudulent and i want it remove immediately. 

15 USC Code 1681b violation furnishing reports in connection with credit transactions not initiated by consumer CBNA XX/XX/XXXX XXXX Remove this item immediately
Product: Debt collection

My wife spoke to the company told them I will handle the issue, gave them my updated number and they still continue to call her daily, numerous times from different numbers, sometimes less than an hour apart.
Product: Debt collection

Received a phone call today from XXXX. I usually do not answer these numbers but being that we had a mattress delivered I assumed it was the company for a survey which I was going to take because they provided expedient service. Like less than 24 delivery. Awesome. 

I answered said hello. She asked to speak to a " XXXX XXXX '' ... my name is difficult to pronounce for some but the way she was struggling to continue with her script I just hung up and chalked it up to spam. I decided to XXXX to find out what XXXX the number is attached to. It came back as XX/XX/XXXXXXXX XXXX XXXX of XXXX XXXX. 

This is a surprise to me as I NEVER am late on bills and payments. Thought seriously about every possible bill I could have and then XXXX further about this company. This is a fraudulent company attempting to collect on traffic tickets. I wish I had let her continue but the websites are the best I can offer. There is no reason for a debt collector to be calling me about a debt in Iowa when I've not been there. 

When I call back they just hang up. Something is fishy here. The number is used on the City of XXXX XXXX webpage and also City of XXXX. I've never been to either place https : XXXX https : XXXX