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

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX - XXXX XXXX XXXX - XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I signed up for a trial of Experian XXXX XXXX XXXX but when I tried to cancel it I was put on hold for XXXX minutes and then had to hang up. I am on hold again as I write this -- so far I am on hold for XXXX minutes. I have written to their offices in XXXX XXXX, CA and XXXX, Texas trying to resolve this rather simple matter. I will attempt to attach copies of these letters. 
I seek a refund of {$24.00} and more importantly want them to stop billing my credit card. 
The real crime is amount of my time they have wasted. 
More informally, this really smells of " scam ''. 
I am considering bringing them into a local court and also notifying my XXXX Congressman and and my XXXX Senator. I have a strong suspicion these guys are routinely ripping off Americans.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation of XXXX  on my credit report under my rights provided by Section 611 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be inaccurate, incomplete, or unverifiable : The XXXX data breach compromised my credit report as a result I was denied employment and Housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Transunion, & XXXX notifying them all also showing proof of Identity Theft & showing The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.
Product: Student loan

Student loan servicer Nelnet will not remove loan from my credit report. This loan has been paid in full since XX/XX/2023 and they are not updating this on my credit report. I have made several calls waiting over XXXX several times on hold to get this resolved and they tell me on the phone the loan is paid in full. My credit score is being affected and this is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting debts on my credit file that need to be removed. Any medical debt I had has been resolved with the hospital itself. I have asked multiple times for validation of the debt and have received nothing from them. They are in violation under the FCRA and the FDCPA.
Product: Debt collection

After several letters sent to syndicated office systems/central financial control to request HIPAA and debt violations concerning documentation for this debt that does not belong to me, the company has continued to ignore my 5 requests as well as continues to report inaccurate information on my credit reports
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I have inaccurate information reported in the different credit bureaus which show late payments in different months and with different periods of time, according to the consumer protection law it is established that everything reported in the credit must be correct, I request that you provide me in writing, the reasonable procedures in accordance with 15 USC 1666B that you have adopted to guarantee that each periodic statement is sent by mail to me at no later than 21 days before the payment due date. Also include all information required by section 1637 b of title 15. I hope you can investigate and in this way be able to repair my credit information, as these inaccuracies are currently affecting me and I can not move forward. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX COLLEGE Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX  XXXX ( {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  ( {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports.

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records.

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove.

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am one of those people. They removed 9 inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.
Product: Credit card

I paid off my full balance on XXXX XXXX  before the due date on XXXX XXXX. Today on XXXX XXXXXXXX  on the closing date. Capital One charged me interest on a {$0.00} bill and refuses to fix it. They are being undermining to their customers. The agent I called said the balance in the app is correct but then contradicted herself and said you have to call in for the correct balance. Capital One is scamming their customers, the total balance that they show in the app should be correct not a fake balance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX
Product: Checking or savings account

I dont use this account and thought it would be closed after 90 days of {$0.00} balance. After Key Bank flat out lied in their previous CFPB response to another issue, I wanted the account closed. The customer service representative said it could not be closed even if it had a {$0.00} balance. I waited 90 days and it is still open. Thankfully, I have many choices when it comes to banking.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement
Product: Debt collection

I am filling another complaint to provide an update regarding my previous complaint, filed under reference number XXXX in XX/XX/2023. Despite the initial response from the company in XXXX, wherein they assured me that they were not reporting the account in question and agreed to provide validation while ceasing further communication, I regret to inform you that the situation has taken a turn for the worse. 

To my dismay, I have recently discovered that the company has chosen to report an invalid account to the credit bureaus, resulting in further damage to my already compromised credit file. This action is a clear violation of their previous commitment, as well as a breach of my consumer rights under the Fair Credit Reporting Act and other applicable laws. 

I am deeply concerned about the consequences this unauthorized reporting will have on my financial well-being and creditworthiness. It is evident that my civil rights have been violated, and I am left with no choice but to escalate this matter further if a satisfactory resolution is not reached promptly. 

I deeply value your commitment to ensuring fair and accurate credit reporting. However, it is disheartening to witness the ongoing harm to my credit file despite the assurances provided by the company. I trust that you will take swift and decisive action to rectify this situation and safeguard my rights as a consumer.
Product: Debt collection

First this debt from National credit Adjusters was applied to my credit report. This is not a debt of mine Ive been a victim of identity fraud.
Product: Credit reporting or other personal consumer reports

Account Name : CBNA Account Number : XXXX Reason : I don't recognize this account
Product: Money transfer, virtual currency, or money service

We are all aware of the numerous Wells Fargo account fraud scandal. I would like to make you aware of another distressing situation concerning Wells Fargo. 

On Saturday, XX/XX/XXXX I made an ATM deposit and deposited a check in the amount of {$12000.00}. This check was from my business account at XXXX XXXX XXXX XXXX XXXX. The check was made payable to me and signed by me. During the ATM deposit I incorrectly stated that the amount was {$1200.00}. Today is XX/XX/XXXX and none of this {$12000.00} is available even though the funds were removed from my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. Yesterday on XX/XX/XXXX I spent 75 minutes of my time on the phone with various Wells Fargo associates. Initially I was told that Wells Fargo had placed a hold because they were unfamiliar with the bank. Then I was told that one of the numbers on the check were wrong and hadnt been cleared and verified by XXXX XXXX XXXX XXXX XXXX, but yet the check cleared as {$12000.00} was removed out of my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. 

According to Regulation CC they are required to make the first {$5000.00} available. I am being told that my funds will become available on XX/XX/XXXX or XX/XX/XXXX. 

Although I dont need the funds right now I believe these ludicrous statements are also being made to other WF consumers who actually may need the funds and that they are utilizing the funds during this period of time while making it unavailable for withdrawal. 

My case number with Wells Fargo is XXXX And the Wells Fargo Executive Phone number I was given to follow up on my case is XXXX. 

Thank you
Product: Debt collection

I am not liable for debt to XXXX XXXX XXXX. I do not have a contract with LVNV Funding LLC. They did not provide me with original copy of contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from American Express regarding my Hilton Honors credit card stating that my credit limit had been reduced from XXXX to XXXX. A secure message was attached stating that American Express had taken this adverse action due to my XXXX credit score dropping to XXXX. The letter also stated that I had numerous negative items on my credit report. This is not true. I immediately pulled my credit reports through XXXX and XXXX and I had no negative accounts and my credit score is close to XXXX. I then contacted XXXX and XXXX verified that my credit report reflected no negative items at all. I have no idea why American Express is stating that they pulled my score and it was XXXX. I am assuming either there was a technical glitch or they pulled someone else 's credit. I have been a proud American Express member since XXXX and hope this issue can be resolved. As anyone can imagine, opening a message stating my credit score was XXXX was alarming and extremely stressful. I contacted American Express customer service and the agent was confused as to why this happened to me. He did state that I could pay down part of my balance to see if the limit could be reinstated but was not certain. I don't mind doing this however my main concern is how American Express got seriously wrong credit information that caused the credit limit reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report indicates I have opened a credit report with XXXX XXXX XXXX on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with XXXX XXXX XXXX, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( Transunion ). The response from XXXX was " we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ''. Further attempts to contact XXXX have not been fruitful.
Product: Debt collection

XXXX XXXX of XXXX XXXX ( XXXX XXXX hospital ) never sent any copy of a medical bill to me even though they had the correct mailing address in their system. They claim their system shows that they sent bills to me even though I did not receive any. Other XXXX XXXX of XXXX XXXX customers have the same issue ( not receiving any bills until they are sent to debt collection ). Their errors are going to impact the credit scores of many people, including myself hence this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my XXXX & Equifax credit report and noticed the following unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Can you remove them from my credit report immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   : Rent was paid on time, and an extra charge was billed after vacating the premises. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Dispute Reason : This account reflects an erroneous amount of {$2100.00} ; rent was paid in full, and there was no eviction. 

3. Jefferson Capitol Account Number : XXXX Amount : {$1300.00} Dispute Reason : This amount was billed to me in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : This bill was issued without billing my insurance ; I have provided proof of coverage through state Medicaid.
Product: Debt collection

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in May directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. Furthermore this SAME account number is on my credit report TWICE. This is a waste of my time, energy and money.
Product: Checking or savings account

On XX/XX/year>, my checking account at Bank of America was abruptly closed and my deposits frozen. My Checking Account number at Bank of America is/was XXXX XXXX XXXX. 

I have contacted Bank of America numerous times over the past 10 months to unfreeze or at least be returned the money in my account to no avail, and was hoping the CFPB could assist in accelerating the process. 

Bank of America has communicated to me that my account was frozen following the deposit of XXXX Money Orders, one of which was purchased from a XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and the other from XXXX. The total amount of the Money Orders deposit was approximately {$2800.00}. 

Bank of America claimed that the Money Orders were fraudulent, but would not explain how or why they were fraudulent. I have asked that they return both Money Orders to me, but they have refused. I also have asked that they release to me the unrelated deposits in my checking account, but they have refused to do that as well.