23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo continues to allow credit/debit card purchases to go through, despite my opting out of overdraft protection. These were not automatic charges and no other debit hit my account aside from debit card charges. I have just paid XXXX in fees due to this. Also, my wife recently made a deposit at the drive up, and as she was, the bank teller, using the intercom, told her the account was overdrawn. My wife is not on my account. This was a violation of my privacy. Not to mention all others in line can hear as well.
Product: Credit reporting or other personal consumer reports

I have numerous times requested this item be removed from my credit report, because this item was purchased by a third-party debt collector, XXXX XXXX XXXX XXXX And it still has not been done yet. The amount of {$630.00} and the status is not correct, nor is it accurate. This account was paid for less than owed by the third-party debt collector. How much did the collection company pay for this item, I don't know and neither does my credit reflect such an amount This is clearly a violation of the FCRA, section 609 and 611. Therefore, this item must be deleted IMMEDIATELY. See attached docs. 

Also, I have submitted numerous times as far back 2023 verification of my full name. This still has not been corrected. My name is NOT XXXX XXXX XXXX It is XXXX XXXX XXXX. Please correct immediately. See attached SS card and Drivers License.
Product: Credit reporting or other personal consumer reports

I have XXXX and XXXX. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and XXXX only applied 2 months. XXXX didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted XXXX and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to TransUnion, XXXX and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in TransUnion I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed.

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my TransUnion account would see the higher credit score return.

Thank you
Product: Credit reporting or other personal consumer reports

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXX XXXX  - XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect XXXX XXXX XXXX  - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violaton inaccurate
Product: Credit reporting or other personal consumer reports

Pulled up my credit report and it was showing on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. So this day XXXX days later i have not received any respond yet. Section XXXX ( a ) Stated account should be removed if no response within 30 days I feel like i am being taken advantage of and being ignored of my disputes. I demand these account be deleted immediately or i will file litigation for the stress you've caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX SECTION XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX SECTION XXXX A SECTION XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I called Thift Investment Corp on Friday XXXX XXXX in an attempt to payoff my car loan. XXXX was the representative I was speaking to was XXXX. XXXX advised that my XXXX pay off would be {$5000.00}. I asked how that was possible when I am paying the car off an entire year early. XXXX was having problems reviewing my account history and said he was getting his supervisor 's assistance. He then said that I was being charged more because my account was over almost XXXX ovedue each month so I was being charged " per diem '' interest. I told him I did n't understand. Here are my calculations. The original loan total would have been {$14000.00} we made 25 payments of $ XXXX {$9500.00}. $ XXXX {$14000.00}. Why would we be only saving {$280.00} in interest if we are paying the car off 14 months early. The balance of {$5300.00} minus the 18.95 % APR should yield a savings of {$1000.00}. Where is this additional {$720.00} coming from? I asked XXXX if we didnt pay the car off and paid till the end would we get charged more at the end. He did n't respond but became belligerent I reminded XXXX that I am a customer and his response " no you are n't you are a debtor. '' I then asked for a supervisor XXXX 's response " You are going to get it far worse now you just wait. '' I am very concerned about this threat because not only does this individual have my personal financial info but also my address. I do not take threats lightly I am putting this in writing as proof that I am very concerned about my financial and personal safety since I was issued this threat by XXXX. When I spoke to the supervisor he was not apologetic at all, only saying he is sorry that I felt threatened. I attempted to review the account again with him but was way too shaken up to continue. My account balance online even shows {$4900.00}. The supervisor advised that that information was not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXXThis account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by me.
Product: Payday loan, title loan, or personal loan

The company is reporting three separate accounts that are attached to my SSN to the credit bureaus XXXX XXXX and XXXX. The three accounts total to the amount of {$1700.00}. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.
Product: Money transfer, virtual currency, or money service

I'm a victim of the international wire transfer fraud. I wired the money out to 2 different countries on XX/XX/2019, amount of XXXX Euro to XXXX, and XX/XX/2019, XXXX Euro to XXXX. 
I wasn't aware these were scams until I found out later. I think before the money going out, Citibank should thoroughly to check the credibility of these 2 banks in XXXX and XXXX and the recipients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently seen a report on my credit profile and seen I had a collection from a company that has not reached out to me once and also have not validated the debt they say I owe, Ive also filed an HIPPA complaint about the collection agency RMP Services LLC for receiving my protected health information from the XXXX XXXX XXXX XXXX. I am aware that this is a violation to my HIPPA rights and have sent a complaint through HHS.gov and asked them to remove this from my credit profile, I have yet gotten a response from RMP Service LLC the North Carolina branch and now I am filing a complaint with yall the CFPB in hope yall can get my problem handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters in XX/XX/2020 pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/2020, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/20 informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.
Product: Debt collection

Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 


Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 





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

XXXX XXXX Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX  Collection XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting late payments on my credit report ( Account # XXXX ) in XX/XX/XXXX and XX/XX/XXXX. There are XXXX of the same credit cards reporting on my credit that are both inaccurate. Both reporting late payments that dont align with either account. See screenshots of the credit bureau blatant error. 

Given XXXX XXXX 's track record of negligence in handling similar cases, I demand the immediate removal of the inaccurate late payment information from my credit report. I also request a valid explanation for the errors. 

If corrective action is not taken within 30 days, I will explore legal options, including seeking damages in small claims court. I expect prompt investigation and enforcement action by the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter.
Product: Student loan

I received a student loan from then XXXX XXXX now Navient back in the early 2000 's for XXXX school for {$16000.00}. Over the years I have been through ups and downs, marriage, XXXX kids and job loss. I have begged Navient to let me lower my payment, they always said I did n't qualify. When I could no longer make the payment they started hounding my mother who was my cosigner and told her if she did n't make the payments and bring the loan current they would put a lien on her house. They have hatrrassed and scared us into making payments we can not afford. My mother and I are now both unemployed and Navient is still telling us we do not qualify for cosigner release or lower monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I written a letter to the courts regarding disclosure of my personal information and was advise by the courts that no such thing has taken place on their behalf. I then sent the letter from the courts to Lexis Nexis certified mail on XX/XX/2019, which stated my personal information was not disclose to no parties. I requested an explanation from the company so that I can have the information removed from my credit report as its affecting my life tremendously. I have not heard from the company and its been 30 days since I reached out to them. Please help with this matter. 

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

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  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 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 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: Money transfer, virtual currency, or money service

I called the bank immediately after doing a transfer that I wasnt sure. I called right away and bank told me I couldnt get my money back because it was a transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently use XXXX XXXX for credit monitoring. 

On XX/XX/2023 I received a notification that my Experian credit report had been accessed by a XXXX dealership in California. I did not apply for credit and did not authorize access to my credit report. 

I contacted the XXXX dealership by email and by phone to inform them that the activity was fraudulent. They told me someone applied through their online system and that they are not responsible. 

I tried repeatedly, for days, to place a freeze on my credit report at Experian but can not get past their automated phone system/bots and their website system does not recognize my SSN to create an account to implement a freeze on my account. There is no way to contact them without using their chatbots. I reached out to company executives on XXXX but there has been no response. I have reached out to my Senator 's office ( XXXX XXXX ) for assistance. 

I received a credit protection kit from XXXX XXXX and filed a police report with my local police department.
Product: Credit reporting or other personal consumer reports

**Subject : ** Request for Verification of Credit Reporting in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the accuracy of the information you have reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation to verify the accuracy of any disputed information.

I recently reviewed my credit report and identified information that I believe may be inaccurate or unverifiable. I am requesting that you provide me with the following : 1. **Details of the Investigation Process** : Please explain how you verified the accuracy of the disputed information, including the specific methods and steps taken during your investigation.

2. **Source of the Information** : Provide the name, address, and contact information of the creditor, data furnisher, or any entity that supplied the information in question. 
3. **Documentation Used** : Share any documentation or evidence obtained from the furnisher of the information to support its accuracy.

The FCRA mandates that all information reported must be accurate, complete, and verifiable. If you are unable to provide sufficient evidence to verify the disputed information, I request that it be removed from my credit file immediately.

Please respond to this request within 30 days, as required by law. Failure to comply with this request may result in further action to enforce my rights under the FCRA.

I have included a copy of my credit report with the disputed items highlighted for your reference. Additionally, I have enclosed copies of my identification and proof of address to verify my identity. 

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

Sincerely, XXXX XXXX **Enclosures** : - Copy of credit report with disputed items highlighted - Copy of government-issued ID - Proof of address
Product: Credit reporting or other personal consumer reports

The first time I I challenged 2 accounts a few years ago I told them my information on my credit report was incorrect I also contacted specific lenders such as dep of education  that my information was wrong. The only information that matches on my 3 credit reports is my birthday Incorrect items include My name My address including a past address I never lived. 
My employers do not match Number of total accounts don't match Number of open accounts do not match Number of closed accounts don't match Number of delinquent accounts don't match Derogatory accounts don't match Balance owed does not match Payment amounts don't match Inquires don't match Even accounts I have paid off don't match I am truly shocked after looking at my credit reports and seeing the lack of care and attention my credit reporting has gotten. Many of this inaccuracies has cost me to not be able to buy a house and other things to better my business. I believe please remove the inconsistent accounts on my report including department of education and XXXX as these accounts are not correct. 

Sincerely XXXX XXXX