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

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. Account ( XXXX XXXX ) and ( opportunity financial ) is removed off my transunion report but still reporting the inaccuracies on my Equifax report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( XXXX XXXX ) ( Opportunity financial )
Product: Checking or savings account

Wells Fargo sends me automated emails that my bank account will be closing with no explanation other than an unauthorized receipt of a XXXX. 

I have given all the proof that the individual that is scamming me is fraud and the transfer was legitimate. 

Wells Fargo will not even listen to me, see any of the facts I have, or even give me any kind of details to confirm who is the one making this dispute where I can resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXX {$29.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXXXXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Product: Credit card

I filed a dispute with CapitalOne in regards to my car rental. Car rental company charged me {$1100.00} in fees for extra mileage and a traffic violation. The original contract I agreed to at the time of the booking had unlimited mileage. The rental company failed to provide a traffic violation citation. I was never stopped by the police while I had the rental car. 

CapitalOne refused to accept the documents I submitted to support the claim.
Product: Credit reporting or other personal consumer reports

West lake portfolio financial LLC has used my info incorrectly, and continues to report my info incorrectly. 
From XXXX In accordance with the Fair Credit Reporting act 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 @ : it also states a consumer reporting agency can not furnish an account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for XXXX XXXX, XXXX. They requirement an automatic withdrawal from my bank debt card. I paid XXXX for 12 months totaling {$4000.00}. I finally showed to my family and was informed this is illegal lending in Minnesota. My balance on XX/XX/XXXX was {$2200.00}. 
My family paid the loan off and I will have to pay them back. In summary this {$2000.00} loan will cost me a total of {$6200.00}. This has caused a financial hardship for me and I would like your assistance with trying to get some of this interest money back. 
Money Key. 

Money key telephone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. TransUnion I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union XXXXXXXX XXXX XXXX Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with Navy Federal Credit Union , with a balance of {$4100.00}, and its reporting to XXXXXXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. 

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I notice there was some fraudulent accounts on my credit report after applying for credit i contact Experian and after disputing the accounts i filed a FTC report and then sent to Experian, They removed the accounts and then 3 days later put accounts back on my report. So i called Experian and ask what was the problem they said creditors told them to put back on report i got in touch with the creditors and put them online with Experian and one of the creditor had told Experian that they haven't talking to them, so i call to talk to another agent with Experian and She said hold on I going to removed them again cause u filed a FTC Report and it shouldn't have been put back on your report. The next day back on which the agent said my supervisor had these accounts put back on because you don't have a real FTC Report and i said are u XXXX the reference number is right there in black in white unless the FTC company and online is fake.I am so tired of Experian really bad business and something have to be done about this company.
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 XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

To summarize according to Federal Procedures this collector : Did not provide notice of debt prior to placing alleged collection on Spellers credit record. The result  is Negligence as it relates to Collection practices. Federal Debt Collection Practices Act - ( FDCPA ) Did re- add prior deleted collection .   Did not allow  XXXX  to request verification of debt in line with federal guidelines of the Federal Debt Collection Practices Act - ( FDCPA ) Did cause emotional distress due to illegal method of addition to credit report and planned timing of delivery of adverse activity on credit report.   Collector trolled and pulled reports without cause in  XXXX  and  XXXX . Trolling for activity on credit is a violation of federal regulations. They appear on the report as I requested them to pull a report. ( Exhibit A attached  )   XXXX  has automatic alerts via  XXXX  and monitors his credit activity daily. A detailed explanation is demanded for discovery purposes of litigation fully explaining legitimate reasons for pulling credit multiple times without cause and/or action on collector 's part. ( collector did not add any items when they pulled reports  ) Th is trolling credit reports is not a legitimate business practices and must be dealt with by  Consumer Protection Bureau.    Collector only placed this on credit   XXXX   XXXX   after seeing no items negative items remaining in his report.   ( All negative items had been cleared ) The placement of this illegally placed collection and troll search actively was then strategically timed to create anxiety and fear in the consumer to force them to quickly resolve this item. This practice of trolling and placement must be investigated and they should be prosecuted to the full extent of the law.
Did propagate defamation and libel if any of above is indeed proved to be accurate.     These items alone  may  not be significant but combined are highly questionable and heighten the emotional distress caused to  XXXX . He has never signed any agreement, contract or letter with CONVERGENT ( collector ) to allow them to pull credit yet they presented themselves to the credit bureau in a manner that was false that suggested to the credit bureau  XXXX  allowed them to view credit. ( Exhibit A ) Additionally,  XXXX  was not presented any documents to support their claim of the alleged original debtor prior to their illegal addition of a collection on his report.   In conclusion, the Collector did not comply  XXXX  percent with  Federal Guidelines of Debt Collection. The collector did not send proper notice to Speller. The collector did not allow for d ue proces s ( v erification of debt ) this negative item must be deleted as  XXXX  had been damaged. Convergent will be deemed unable to ever attach any documents to  XXXX  without first proceeding in the appropriate manner and is here by instructed to cease and desist any reporting of this alleged debt. This matter will be advanced in the legal venue against the original debtor, Convergent and all entities that continue to propagate this item as legitimate without adherence to federal guidelines if the item is not removed forthwith.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # 149836723. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX  took my card with no permission fraud on my account over XXXX  dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Original Creditor : XXXX XXXX ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Original Creditor : XXXX XXXX XXXX ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ) The above accounts do not belong to me. I request that you remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Follow-Up on Dispute and Request for Verification PLEASE REMOVE ACCOUNTS OFF CREDIT REPORTS XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX To Whom It May Concern, I am following up on a previous dispute regarding inaccurate accounts reporting on my credit report, which your bureau maintains. On insert date you mailed the first letter I sent a letter requesting verification of these accounts. On date of letter they sent you, I received a response from your office stating that the accounts were verified.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( C ), I am formally requesting a description of the method your bureau used to verify the information related to my dispute. This includes details about the procedures followed and any relevant documents or evidence that were relied upon in reaching your conclusion.

Per FCRA Section 611 ( a ) ( 2 ) ( C ), you are also required to forward all relevant information used during your investigation to the furnishers of the disputed information to ensure a proper review.

Please provide this information within 15 days, as required by the FCRA. If you can not provide this documentation within the required time, I respectfully request that the negative items be deleted from my credit report.

Attached, you will find copies of all documents included in my original dispute. Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Product: Vehicle loan or lease

Loan was transferred without notifying me, vehicle disabled on multiple occasions, wrongfully up information it was given out, wrongful insurance fees
Product: Checking or savings account

This dispute happened with Chime mobile banking. On Saturday the XXXXXXXX XXXX XXXXXXXX my wallet was stolen from my car. They proceeded to use my card at XXXX for XXXX separate transactions. XXXX was for XXXX and the other was XXXX at XXXX and XXXX. I could not file the dispute until Monday XX/XX/XXXX when the transactions settled. They denied my dispute XX/XX/XXXX @ XXXX. Claim number XXXX. Despite that I had included my police report case number.
Product: Credit reporting or other personal consumer reports

Am going through divorce, the case is under litigation, we informed them, we provide the court paper work to convince them put it on hold, they accepted the request over the phone, people from XXXX respond our phone calls. 
it is charge of off, I have been making payment for. the last 10 months, I asked them to change it from Charge off to Current, they refused to do it, this hurt my credit
Product: Credit card or prepaid card

I was dismayed once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate.
Product: Debt collection

Im reporting this to CFPB because this bill from RMP SRVC LLC for the amount of {$2500.00} was paid by XXXX XXXX XXXX XXXX. This account was opened around XX/XX/2020. Ive disputed this 2 times already and it looks like both times I havent gotten the point across. I called my health insurance company multiple times and Ive been told multiple times to not pay them and to not give them the XXXX because it has already been paid and if I pay them then theyll get it twice. If the insurance already paid this medical fee then why would they tell me if its not paid it will go to a collection agency. This makes no sense to me and why it would hit my credit report if its already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate.. 
XXXX XXXX