23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am an uber driver who picks up lots of people everyday. On XX/XX/XXXX, I had driven someone to XXXX XXXX. 
After the ride I stopped at XXXX to get a sandwich and checked my bank account. I noticed a XXXX ride had been charged to my account, presumably while I was actively driving for uber. I immediately contacted Wells Fargo and they blocked the card and sent out a replacement. I had no knowledge of my new card number or when it would arrive. Last night, while driving for XXXX I received a call stating it was wells Fargo. I doubted the authenticity of the call and gave no information to the caller. I immediately contacted Wells Fargo and found out that someone had called impersonating me, asked for a debit card increase, transferred my saving account, and purchased XXXX XXXX in the amount of XXXX. I did not do this as I have no active debit cards or access to my bank at this time. I never activated or received the new card and it has since then been blocked as well. Wells Fargo fraud department is at XXXX l also contacted XXXX XXXX at both XXXX XXXX and XXXX XXXX and reported fraud/identity theft. XXXX XXXX 's number is XXXX XXXX. On Wells Fargo end, the amounts are still pending for the XXXX And yet no one will stop the transaction or start the investigation until the money has been stolen. Wells and XXXX allowed the transaction to post to my account despite numerous calls to both parties about the fraudulent charge. I am also the victim of theft as one of my old phones was stolen from my car.
Product: Student loan

My XXXX and I are XXXX XXXX borrowers impacted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The law was signed by President XXXX on XX/XX/2022. Per the law, we intend to separate our FFEL XXXX XXXX  Loan into XXXX XXXX Loans. We will then take advantage of the XXXX  waiver and expanded XXXX initiatives. Because we have been paying on our loans since the mid XXXX, our loans will be immediately forgiven under either the XXXX waiver, or the expanded XXXX  initiatives. We both have received confirmation that we have completed the steps required of us by XX/XX/2022 to qualify for the XXXX waiver. Recently, XXXX XXXX XXXX  and the Department of Education announced that implementing the XXXX will be delayed. In light of this delay it declared that upon request, loan servicer were required to place XXXX  XXXX XXXX Loans in Administrative XXXX until such time as the XXXX can be implemented. We have made XXXX requests to XXXX ( our XXXX XXXX to do just that. To date, they refuse to do so. Their willful failure to follow the directives of XXXX and the Department of Education require us to continue to make monthly payments and cause us to accrue unnecessary interest on a loan that will be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
Product: Debt collection

XXXX Dates is between XX/XX/22 and today As of XX/XX/22 it say I owed them {$270.00} Total amount {$270.00} The creditor will accept {$200.00} Call them twice
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of four accounts listed on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which are marked as " Charge Off. '' These accounts should not be on my credit report, as the information is incorrect, and I am requesting their complete removal.I have previously contacted TransUnion and the respective creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit.I request that the Consumer Financial Protection Bureau intervene to have these accounts completely removed from my credit report.Here are the details of the disputed accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$7400.00} To verify the accuracy of this information, I am requesting the following documentation from each creditor : The original signed contract or agreement for the respective account.Full payment history, including dates and amounts of all payments made.Documentation of the charge-off, including the date and reason for the charge-off.Proof of notification that I was informed about the charge-off.If the creditors can not provide this documentation, I request that the CFPB instruct TransUnion to remove these accounts from my credit report entirely.Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

I received a preselected offer from Lowes synchrony Bank to apply for their Lowes Advantage card. 
I applied and was approve immediately. 
XX/XX/XXXX I was notified by a credit reporting agency that I had a closed card on my account. 
When I checked synchrony bank had closed my card. I contacted Lowes and they advised me that they rechecked my credit and found it was not satisfactory and closed my account. 
Not only did they approach me for their card which required a credit check. 
But they closed my account which was in good standing and payment was made on time? When they closed my account they again affected my credit score. I am deeply concerned that a credit card company can approve and close accounts with no reasonable explanation. 
I did not give them permission to do the credit check prior to closing my account. 
I am in the process of refinancing my home and had intended to pay all of my credit cards off, because of the credit checks it has an impact on my score.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal dispute against [ Name of Creditor/Company ] regarding the inaccurate reporting of late payments on my credit report. These errors violate my rights under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act ( TILA ).

Details of Dispute 1. Violation of 15 U.S.C. 1666 ( b ) Billing Error Resolution According to this statute, creditors must promptly investigate disputes regarding billing errors, including incorrect late payment charges. Despite my timely payments or resolved disputes, [ Name of Creditor/Company ] failed to properly investigate and continues to report inaccurate late payments to the credit reporting agencies.

2. Violation of 15 U.S.C. 1637 ( a ) Disclosure of Account Terms This statute requires creditors to provide clear and accurate disclosure of terms, including billing cycles, payment due dates, and late payment penalties. The late payment entries on my credit report are inconsistent with the account terms disclosed to me or with payments I made within the agreed timeframe.

Key Issues The reported late payments on [ specific dates ] are inaccurate or unjustified.

My payments were made on time, or I was not provided clear disclosure of due dates and penalties.

The creditor has failed to investigate or correct the inaccuracies despite my efforts to dispute them. 

Requested Actions I respectfully request the CFPB to : 1. Investigate Equifax, XXXX, and XXXX for failing to resolve my billing dispute as required by 15 U.S.C. 1666 ( b ). 
2. Require the credit reporting agencies to remove the inaccurate late payments from my credit report. 
3. Ensure that Equifax, XXXX, XXXX complies with federal disclosure laws under 15 U.S.C. 1637 ( a ). 

Supporting Documentation Impact and Resolution The inaccurate late payment entries have unfairly harmed my credit score and financial standing. I trust the CFPB to address these violations, ensure the errors are corrected, and prevent further harm. 

Thank you for your time and assistance in resolving this matter. I look forward to your response and resolution. 

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

I've recently checked my credit report and noticed some inaccurate accounts reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX nor RCVL PER MNG have failed to present any supporting document regarding debt amount. I have several emails from XXXX confirming {$0.00} balance as well as XXXX tracking number with returned equipment. Without any reason they trying to collect a debt!
Product: Debt collection

I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt.
He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work.
This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.
Product: Credit reporting or other personal consumer reports

The collection account that was listed on my XXXX was deleted but it still remains on my Equifax credit report. According to the FCRA this account should be removed from all other credit bureaus once it has been removed from one. 
Account Name : XXXX XXXX XXXX Account Number : XXXX ACCOUNT Type : Collection.
Product: Payday loan, title loan, personal loan, or advance loan

I took a {$700.00} loan out in XXXX XXXX.I have been making payments to catch up my loan I had issues with my car and also the weather in my area made it hard to repay for awhile I have explained this to the company. I have made payments in the amount of $ XXXX.I asked how much more I had to pay and on XX/XX/XXXX I was told I still owe {$2800.00} making the total repayment amount of {$4400.00} which is more then 6 times the loan amount. When I asked if anything could be done with the fees they told me {$700.00} could be waived if payments kept up. I call them every week to make the payments. The original term was 30 payments at XXXX. I have made 16 payments so far. So right away the repayment amount was over 4 times what was borrowed.
Product: Debt collection

On XX/XX/2020 I mailed a debt verification letter to national credit systems in regards to a debt in my name. I sent it certified mail and it shows they received it XX/XX/XXXX. I called a few weeks after for an update. I was told that since I wanted this information the police would be sent to my house and a police report would be made out for fraud. I only asked for information on XX/XX/XXXX they sent a bill but no verification to the debt which is required by law to answer in 30 days. So theyre trying to say they sent something but they didnt just a bill and no verification and a threat to call the police for fraud since I was fighting the claim. By law its a requirement to answer if not then to remove the debt.
Product: Debt collection

I have some fraudulent accounts and addresses and job that do not belong to me and I have no knowledge of.one of the accounts is a XXXX account, and the other account is a collection account from a company called oliphant collection agency.I contacted both companies and ask them to provide documentation that those accounts belong to me but the couldn't.i would like these accounts removed because these accounts are a act of fraud.
Product: Debt collection

Mrs Bpo constantly harasses me during various hours of the day and I never pick up as the number is unknown. Now I find out they have reported an XXXXXXXX XXXX account which isnt mine. This is the second collection company harassing me for this account which is not mine. The address on this account was from Alaska. I have not lived in Alaska for over 15 years. The phone numbers on the account are not associated with me at all. I have no knowledge of this XXXX account. I have not had XXXX for over 10 years. This collection needs to be removed from all the major credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of con

sumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California,XXXX  XXXX XXXX Account # XXXX Account # XXXX CD Acc # XXXX Subject : Confirmation of Good Standing with IRS and Debt-Free Status Dear Chase Bank I hope this message finds you well. I am pleased to inform you that upon reviewing my tax transcripts, it has been confirmed that my business is in good standing with the IRS and there are no outstanding debts or violations to report. 

I wanted to provide this update to ensure that you have the most accurate and up-to-date information regarding my business 's financial status. I trust that this confirmation will meet the requirements for any necessary account updates or holds to be removed. 

Please do not hesitate to reach out if you require any further documentation or information from my end. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation and assistance. 

Best regards, XXXX XXXX
Product: Vehicle loan or lease

My bank statement shows two payments of {$330.00} being withdrawn from my account in a period of one week in XX/XX/2020. I contacted HMF and they said only one payment posted. After consulting with my bank, two payments of {$330.00} were indeed withdrawn for a total of {$660.00}. I would like a clarification of these charges and would like to have my next month 's payment waived since I paid double this month inadvertently.
Product: Debt collection

Account Name : CB/VICSCRT Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These entries are inquiries that were not approved and i did not give my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I filed bankruptcy in XXXX 2010 and there was a loan from XXXX and now they are trying to call it a student loan. the loan was included in my bankruptcy which was discharged this past XXXX and now ACI of XXXX, NY is sending me letters and calling stating i owe {$7300.00}. i am also wondering why they are trying to collect on the debt and the statues of limitatons are 6 years and the loan was taken out in XXXX XXXX i am just getting out of bankruptcy and who has that kind of money. i want to request a discharge because i am disputing this debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of certain negative items currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the information reported is accurate and verifiable. After reviewing my credit report, I found multiple discrepancies that I believe require immediate investigation and removal. 

It has come to my attention that : XXXX is reporting 16 negative items, Experian is reporting 11 negative items, and XXXX is reporting 9 negative items.