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

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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. As a result, this account should be deleted. 

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 1681i ( 5 ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1681 ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the persistent and unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts to address and rectify these fraudulent entries, my credit report continues to be marred by information that is both false and damaging to my financial well-being. 

I have meticulously followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that incontrovertibly demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Removal of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe. In accordance with 15 U.S. Code 1692 ( g ), I am entitled to request verification of this debt, including a copy of the original creditor 's agreement. Until such time that you provide this documentation, I do not acknowledge the validity of the claimed debt.

Additionally, if you are asserting that I owe this debt to the original creditor, I request further proof, specifically documentation containing my written signature that explicitly acknowledges my agreement to be financially responsible for this debt. A simple statement or summary is insufficient ; I am requesting actual proof of the signed contract or agreement that binds me to the alleged obligation.

Without this proof, you are not legally permitted to pursue collections, report negative information to credit bureaus, or continue to contact me regarding this matter. Failure to provide this documentation will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), and I reserve the right to pursue all legal remedies available to me.

In addition, I have noted that you have been reporting negatively on this account to credit reporting agencies, despite not having validated the debt. This not only negatively impacts my creditworthiness but also makes it difficult for me to obtain any form of credit. Your continued negative reporting without validation is damaging and constitutes false and misleading information in violation of 15 U.S. Code 1692 ( e ).

Your constant phone calls and emails, despite my previous requests to cease communication, have caused me significant distress and violate 15 U.S. Code 1692 ( c ). I demand that you cease all forms of communication with me except for providing the requested validation or informing me of legal actions.

Please be advised that I am fully aware of my rights under the FDCPA, and I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and reporting this behavior to the credit bureaus, should this harassment and negative reporting continue without proper validation.
Product: Debt collection

I have no clue what the debt is for they will not tell me they are rude and not willing to help resolve the issue. They call 5x a day atleast at all hours and have taken to calling my parents who have nothing to do with whatever this is multiple times a day causing issues there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. WELLS FARGO CARD SERV, has violated my rights. 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 card or prepaid card

I have 2 credit card accounts with Bank of America. 
My account ending in XXXX had its typical payment due on XXXX. I selected that card to pay on line through their payment system as I do monthly. I paid {$100.00} on XXXX towards the {$100.00} minimum payment due on XXXX. They incorrectly applied to another OLD account number ( ending in XXXX ) for the 2nd account, which was changed MORE THAN 4 YEARS AGO by them. That account 's number CURRENTLY ends in XXXX.They then charged me a late payment fee of {$38.00} for the " late payment '', because of incorrectly applying the payment to the wrong account. 
I should not have to pay the late fee because THEY offered up a dated, wrong account number which made it appear as though I was late, even though I paid more than the minumum that was due on THEIR incorrect system. 
I was not able to resolve this with them through a telephone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I am writing to dispute an inquiry that appears on my credit report. I have carefully reviewed my records and can confirm that I did not initiate this inquiry. I believe this inquiry is inaccurate and should be promptly removed from my credit report.
Product: Student loan

My husband and I are both co-signers for an XXXX  son XXXX XXXX XXXX ( XX/XX/1998 ) on several student loans, ending in XXXX and XXXX, all totaling about {$75000.00}. Early last year, that child got XXXX  and kicked out of college on XXXX  and XXXX  charges on his girlfriend. We then paid his student loans as they came due because he no longer was attending college. 
He is now in XXXX  awaiting trial and sentencing for XXXX, involuntary deviate XXXX XXXX and many other XXXX charges against my XXXX  XXXX  daughter. We contacted Sallie Mae and apprised them of the situation and let them know that paying the $ XXXX on his student loans monthly was not only impossible financially but ethically something that was a betrayal to what is honest and fair, as these crimes were committed in my home a few years before my son left for college.

I asked the process for my husband and myself to be retracted as cosigners for these loans and was told no such thing exists and that we were responsible for the loans and would be taken down the road of collections as long as we continued not to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I found out from my credit report someone opened an account with Bank of America. I called them they said they would close the account and look into it. As of XXXX XXXX I am getting past due owed money and they destroyed my credit score. I called them XXXX and they said they would take care of it, refused to provide me with a case number for the second time. Person opened account with a wrong address and used my maiden name.
Product: Checking or savings account

I just opened a bank account with Bank of America on Sunday. XXXX account was denied, the other was open. I said, fine, I have a bank account now. I tried to transfer {$100.00} TO the account but my bank declined it to BOfA. 
Monday, I went to deposit XXXX in the bank account in cash. They accepted the cash, the deposit was done XX/XX/2021 at XXXX AM, and I also switched my payroll direct deposit TO BOfA account. Again these are all TO the account, not withdrawals at all. It should have been clear to the bank that this was my account. However, I tried to log in XXXX  and XXXX  to check my balance. Unfortunately, the bank stated that my account, without notice, after accepting XXXX paycheck from my employer and the XXXX, CANCELLED the account. 
They said I would get the funds reissued in a cashier 's check. But WHEN? I am writing this complaint to make sure I see these funds as quickly as possible and they don't hold them or make up some fees, because I feel it is a very misleading bank and I am greatly disgusted. Thank you.
Product: Money transfer, virtual currency, or money service

To whomever it may concern, on XX/XX/year> I went back to explain to another agent at Pay-O-Matic money services at XXXX XXXX XXXX XXXX NY XXXX that the female agent would not send money for me because she said ioffended her and as I remembered I only expressed myself without any profanity and threats and I only told her you must not be very happy today and your having some personal problems and I walked away, but she lied in front of me and the male agent that I threatened to slap her. So the male agent told me to not come back to the business only when he's present. But I don't agree with having to work around her schedule to avoid her and I believe I should be able to go there anytime I want to receive service. It's like she's controlling the existence of my personal life... please help me to resolve this location problems that they have given me.
Product: Credit reporting or other personal consumer reports

Was a victim of Identity Theft Involving ( 3 ) Data Breaches year ( XXXX XXXX XXXX XXXX XXXX XXXX  ) These accounts have been previously deleted, removed then returned. 
Please check the information concerning the Equifax Data Breach below in attachments.
Product: Debt collection

On XX/XX/year>, my income and property was overcome by the XXXX lava flow I had to relocate to XXXX with no income no property and I am still recovering from this disaster. Im now XXXX and am asking to please relieve that debt. XXXX has helped in a small amount and I appreciate it but I do not have the means to pay it back to fix my credit. Thank you in advance For your consideration on this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Regional Acceptance Corp, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Mortgage

In XXXX, XXXX, my husband and I paid off our mortgage to Freedom Mortgage. XX/XX/XXXX, we began getting letters and phone calls from Freedom Mortgage ( here after called FM ) stating our payment was late and we would be charged a late fee. I called them and talked to XXXX at FM. She stated our payment had been misapplied and she would apply our payment to the payoff of our mortgage. It did not happen. I talked to XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX and XXXX on XXXX/XXXX/XXXX. All stated the payment we made would be applied to the final amount due on our mortgage. It never happened. In the meantime, we received another bill, doubling the amount due and it also included a fine for a late payment. XX/XX/XXXX we began receiving eviction notices. On XXXX XXXX, XXXX, my husband sent a certified check to FM. XXXX said the reason our first check was cashed and put into a funds held account instead of being applied to the principal was because it was not a certified check. She said it was illegal for them to take a personal check for the last payment. So we sent the certified check. That bill included unpaid principal, late fees, accrued interest, and a statement fee. We paid it all because they told us to, then they would reimburse us. They also assured us none of this would effect our credit score. It did. They reported us to FICO and said we had missed a payment. XXXX from FM assured me it was XXXX mistake, they had not reported that ( she said XXXX had done that to her personally several times ). On XXXX/XXXX/XXXX I was advised by XXXX to contact their customer care department by email. I did so. They do not correspond by email. I received a letter in the mail stating we would hear from them in 30 days. We did not. I wrote them 3 times, the last time I received the same letter on XXXX/XXXX/XXXX stating we would hear from them in 30 days. We have not. On XXXX/XXXX/XXXX I talked to XXXX from XXXX. She did a conference call with FM. After a long wait, XXXX came back on and stated yes, we had been reported. And yes, it was incorrect. XXXX asked if she could remove the item, and XXXX said no, she did not have the authority to say that. Thankfully, XXXX contacted her supervisor and they did remove the complaint. I have included several names of people we talked to at FM. But there were many more XXXX XXXX XXXX, XXXX, XXXX, XXXX, just to name a few. We tried to resolve this issue many times with Freedom Mortgage. Each time getting a different answer, sometimes rude, sometimes hanging up on us, sometimes kind but ignorant answers.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize this account. I am a victim of identity theft. I sent XXXX, Equifax, and XXXX my FTC report along with my License.
Product: Bank account or service

I 've complained already. The bank changed my bank account stating it was no longer linked to a mortgage account, when it was never a morgage account in the first place. They began charging a monthly fee of {$25.00}. After my last complaint, they wrote that they would waive my fees until XXXX 2016 so I could decide what action I want to take. They are refusing me to change the account to one without a monthly fee, when there are other types that do not require a monthly fee. I will most likely have to close the account now which makes me mad as it 's linked to family members for transferring money. I would like a differrent account that does not charge a monthly fee. Additionally, when I first brought this up, they waived XXXX of the fees I had been charged. However, I have been charged XXXX others that they refuse to remove. So I get waivers, they agree not to charge me for a couple months, but then wo n't remove the fees I got charged in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I disputed items on my credit report that were not my account. Experian opened the case and then closed it without notfiying me of the response from the company XXXX Bank. XXXX Bank has opened an account in my name that is a fraudulent account. Experian is allowing the account to stay on my credit report even though it is a bogus account. Experian is reporting the wrong credit score for my credit. They do NOT allow you to speak to live representative. Experian did not allow me to dispute the item again and provide proof that it was an erroneous account. Instead, they simply disallowed me to reopen the dispute case or file a new dispute with them.
Product: Credit card

Date : XXXX/XXXX/XXXX  Amount {$630.00} The company explained that when over the Credit limit but my card was lost XX/XX/year>.