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

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed I had a fraudulent account and an address on my report. Please remove this account and address from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

This shady bank,  Wells Fargo , will change your checking account type and thus account requirements for monthly fee avoidance and only notify you at the bottom of your online statement which I never really access. Then they charged a monthly fee by bumping up the requirements for the account whether it is minimum account balance, number of debit card transactions, or whatever else the requirements for waiving the monthly fee. Disclosures should be agreed upon before a switch can be made, or else they should have to close the account if they do n't get a positive agreement for the account changes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 
The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days. 

Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX XXXXBanks and XXXX & XXXX BANKBanks and XXXX & XXXX XXXX Credit XXXX XXXX XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX CT, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

My Daughter has a loan with XXXX XXXX and we pay the monthly payment. XXXX XXXX has put it on my credit report that we were late in XXXX and I am only a co-signer and should come into to play if there was a default. 

Also, we have been affected by XXXX XXXX and my husband passed away XX/XX/2023 which is the same month of the late payment reporting. 

I asked XXXX to please have compassion for the situation and they would not remove the late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS EVEN AFTER BEING NOTIFIED.
Product: Credit card or prepaid card

An account was opened on XX/XX/2019 that I did not apply for much less recieve a card for to run up a {$3500.00} balance. Ive never heard of XXXX ever until it showed up on my credit report. This is fraud and needs to be removed. I believe my identity was stolen when I moved from my old address. Please help
Product: Credit card or prepaid card

My computer was compromised on XX/XX/2022. Several pop-up alerts were on my computer saying that I needed to call XXXX to fix the issue, I contacted the number and someone was guiding me through several pop-ups leading to a black screen. They told me to enter certain letters, numbers, and symbols by the blinking cursor. They were talking to me about the amount of money in my bank account. They told me that I need to go to XXXX or XXXX to get gift cards, then come home, because they needed to get the information off the cards. I purchase {$4800.00} in gift card. I found out later that they took the money out of my bank account. I was very nervous about this whole issue. I have XXXX and on very heavy duty medication. I contacted my son and he told me that this is a scam. 
I contacted the police department to get a statement and a detective is also suppose to contact me. Right now I am not getting any help from anyone about this matter to get my money back. I was told by XXXX  to contact you to tell you what happened. I hope I can get some help from you. Thank you for your time in this matter.
Product: Debt collection

Collector : Leading Edge Re Collector 's phone # : XXXX This company is calling for another person 's debt. This person does not " own '' our number ( XXXX ). They have been so informed. 
Calls ' Frequency : At least twice daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This was CFPB Complaint XXXX for Experian and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Experian at XXXX today, XXXX, I found out that I can NOT mail ANY information to Experian because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for XXXX and have yet to be given one.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
-XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.
Product: Debt collection

Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited.
Product: Checking or savings account

I opened an account with Capital One with proceeds from the sale of my home on XX/XX/22. I happened to look at the account online soon after and it stated that my funds were not available. I contacted Capital One ( who had not attempted to contact me regarding this issue ) and they said that my account was under investigation, that they were severing our business relationship and would not provide any information as to when I would be able to access my funds. 

It has been 45+ days and I have reached out too many times to count and no one will speak with me or return my calls. They will only transfer me back to the " consumer fraud protection '' extension which asks that you leave a voice mail and promises to give a call back within 48 hours. No one returns my calls and I have not received any communication email, written etc. from Capital One regarding the status of my account. 

As a result, I have been forced to rent a home on an interim basis as my funds were not available to purchase the new home I had planned. I am physically sick over this situation and finally someone on XXXX mentioned that they had had a similar situation with Capital One and recommended that I reach out and file a formal complaint with your organization in order to get access to my money. Thank you!
Product: Mortgage

So, I emailed around this same time last year because selene finance keeps stating that I'm short on my escrow by XXXX. This year it's the same. They mysteriously fixed last years from over XXXX short to maybe XXXX, which I'm still paying on. Now again I received another letter stating I'm short, How? I have not missed any payments, my interest is a fixed 5 % for 30 yrs. I called them an when they told me the differences that my hm owners and property taxes increased to, it's not even XXXX bucks. I told them to look at it again and I'm not emailing in because they'll try to hit me with a XXXX fee for looking at my account. I told them I didn't have to do that last year. That they figured it out and sent me a letter stating they made an error. Then, their rep hung up on me. Nice way to do business, huh?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit report that i didn't authorize.
Product: Checking or savings account

Bank of America closed my checking account without providing me reason and for no reason.
Product: Debt collection

I have disputed this amount multiple times with the Credit Agencies after finding this debt on my credit report. Each time the case is closed stating this is a valid debt. I have not received communication from the debtor about this amount nor do I owe the amount stated. In reality, the debtor has closed this account, reopened the account and appears to be charging interest on a medical debt. I can not determine my state 's ( Alabama ) law of protection against this. Most recently, I printed and intend to mail a letter directly to the company asking for proof of debt.
Product: Credit reporting

I have had no issues with reporting inaccurate information with XXXX XXXX and XXXX. However, Experian refuses to allow me to file a dispute, even after purchasing my credit report from them.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to the unauthorized addition of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, and I am now requesting the prompt removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Debt collection

Sunrise Collection Agency called my husband and gave him every detail about the disputed debt. Spoke to him about all of the personal details of the debt, WITHOUT MY CONSENT OR PERMISSION. They violated my rights.
Product: Debt collection

Aldous and Associate 's continue to report this fraudulent debt on my credit which is damaging to my reputation. I have asserted on several occasions that I do not in fact owe this debt to them or anyone else yet despite that they continue to disregard FDCPA and FCRA by reported this debt. This debt has not been validated whatsoever. In addition my privacy is being violated by Aldous and Associates having access to my private and personal information. They refuse to follow the law and disregard my CFPB disputes as though they are above the law. This is very damaging to my credit reputation and I intend to seek damages for every day this account shows up on my credit. Lastly they have not updated the report as being in dispute despite their Last response to the CFPB. This is a complete and total reckless disregard to my rights as a consumer as well as the laws that govern the reporting and dispute of alleged debts.
Product: Checking or savings account

My complaint is with First Bank in Puerto Rico. When I checked my statement I found the bank was charging me an ATM fee every time i used XXXX XXXX services. I purchased XXXX XXXX XXXX online and never used a bank ATM. This is the bank trying to profit from a transaction in which they are not the company or provide the service. I simply remove MY money from my account as if it were any online purchase. The bank down not do this, say, if I make an XXXX purchase. So why if I make a XXXX XXXX purchase? Still a purchase. This I consider fraud and illegal enrichment, if a Federal crime please prosecute to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX.
I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.
Product: Student loan

I received a letter stating my wages would be Garnished for Credit Adjusments Inc. I tried to contact them by phone in XX/XX/XXXX. Twice leaving messages asking to enter into a voluntary repayment plan. I never received return call and now they ARE garnishing my wages. I finally reached them and was told the only way to lift the wage garnishment was to pay off the entire amount of {$28000.00} and that even if I did enter into a repayment plan it would be in ADDITION to my wage garnishment. 

I would love to set up a long term repayment plan but they will not work with me.
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 : 1. Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ordered a background in XXXX XXXX. Checkr reported incorrect information stating I did not have a current valid driver 's license. 
They provided information on a license I no longer have for Florida because I now have a Michigan license since I now live in Michigan & you can't legally have 2. I filed a report with Checkr explaining the issue. They asked me for a copy of my Michigan license & I gave them a copy. Checkr corrects my report & tells me it's clear & to wait on XXXX. Months later XXXX insists they never got the corrected report ( even though I could see the corrected report when I logged into Checkr ). I argue with them for days, so they just order a new report from Checkr because they never got notified that it was corrected. What does Checkr do? They go back to reporting incorrect information and not including the Michigan license information I gave them last time. 
Now months later I am back to having an incorrect report in Checkr & again denied the ability to drive for XXXX. I have attached the initial incorrect report, the emails to Checkr regarding correcting it, The previously corrected report after I complained, The now once again incorrect report & my 2nd email regarding correcting the issue.
Product: Student loan

I was attending career point college and it close down due to mishandling federal funds. while i was attending i took out additional private loan to help me pay for school, i was issued stipend checks monthly to pay with .every since the school closed down i have n't received a check ... i did n't take all of the classes that was accounted for. i hopefully you all can help me lower or dispute this private loan. thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Product: Prepaid card

The company response was that card was not registered to XXXX. I told them but my money was that was taken from that acct. They used my bank acct number placed my social security XXXX XXXX card number on my providers XXXX XXXX  card since XXXX of 2021 stealing over XXXX maybe XXXX XXXX dollars