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

I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

Thank you
Product: Student loan

In XXXX XXXX I consolidated XXXX of my federal student loans. The interest rate was fixed, and I had {$20000.00} in outstanding principal. I have always made my payments in full and on time, and have even made some payments ahead of time so I am now paid in advance by 5 months. 
In XXXX XXXX I received a letter in the mail saying the loan servicer updated my payment schedule. My monthly payments went from {$130.00} to {$160.00}. It did n't make sense to me that I would need to pay an extra {$24.00} each month if my interest rate was fixed and I 've never missed a payment. I called the loan servicer to find out why the change, and they indicated that a recent review of my account showed that the amount I was paying each month would n't be enough to pay off my loan by the payoff date. After hearing this I essentially asked them, " you acquired the loan in XXXX, and it is just now being reviewed? '' and they said yes. I feel like I 've been taken advantage of, the loan servicer did not do their due diligence in managing my loan, that they did not act responsibly in handling my loan at the time it was acquired, and my trust in them has been broken.
Product: Debt collection

XXXX XXXX and XXXX, refuses to delete these fraud accounts after several letters and other types of disputes and attempts to delete it. 
lvnv acc # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, never showed any real proof i owe them or entered a contract with them or the statute of limitations for them to collect a debt in my state or a license to collect in my city. 
XXXX refuses to delete this account. 
XXXX XXXX and XXXX also wont delete these hard inquiries that were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please help me delete these accounts due to identity theft and fraud from the breach from each reporting service/company.
Product: Student loan

I didn't know anything about this until I spoke with XXXX  but according to XXXX   when NAVIENT transferred all of my loans to them they were informed that Loan A was an income indigent (not sure if that is the correct way to say it) loan. According to XXXX, NAVIENT stated that back in XXXX, 2016 I agreed to change this one loan to this kind of repayment loan. I did not do this because I had already submitted my application to the Dept of ED for loan forgiveness and requested that ALL loans be on hold until the investigation is completed. Also, why would I do this for one out of all of the loans they had for me? Because of this I couldn't consolidate all of my loans when I tried to set up a future repayment plan. No documentation was ever received because if it had I would have disputed this with them back in 2016 and going forward.
Product: Mortgage

I had a Mortage with Wells Fargo in 1997 that was wrongly foreclosed on and did not present me with options
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Mishandling of Credit Card Payment - Reference : XXXX XX/XX/year>XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint under the provisions of the Consumer Financial Protection Act ( CFPA ), specifically under 15 USC 1666b, regarding the mishandling of my credit card payment account with reference to Section 1637b. 

My name is XXXX XXXX, and I am an account holder with XXXX XXXX, with the account number XXXX. 

On XX/XX/XXXX, I made a payment towards my credit card account well within the designated billing cycle and in accordance with the terms outlined in Section 1637b of the CFPA. However, despite the clear provisions of the law stipulating that creditors must not treat a payment as late unless certain conditions are met, I have noticed discrepancies in the handling of my payment by XXXX XXXX. 

It has come to my attention that XXXX XXXX has inaccurately processed my payment, marking it as late and subsequently applying late fees and penalties to my account. This action is in direct violation of the CFPA, which clearly mandates that creditors must adhere to the timelines and procedures outlined in Section 1637b before considering a payment late. 

According to the law, creditors such as XXXX XXXX are required to provide consumers with clear and timely information regarding payment due dates, as well as any changes or updates to these dates. Furthermore, creditors must allow a minimum of 21 days from the date of sending such information before treating a payment as late. 

In light of these violations, I demand that XXXX XXXX rectify the erroneous late fees and penalties applied to my account and take immediate steps to ensure compliance with the provisions of the CFPA moving forward. Additionally, I request a thorough investigation into this matter to prevent similar occurrences in the future and to provide me with a detailed explanation of the steps taken to address this issue. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action as necessary to protect my rights as a consumer. 

I trust that XXXX XXXX will take the necessary steps to resolve this matter expediently and restore confidence in its adherence to consumer protection laws. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX cyber criminals create domestic wires to steal {$350000.00} from our business account. 
I had submitted a CFPB complaint XXXX. 
The bank responded to the CFPB with a letter describing the event, however I was not able to respond before CRPB closed that case so I am opening another one because the letter the bank sent contained a very serious lie. 
They stated in their letter " This is a very unfortunate situation, but Umpqua Bank is not at fault. An account owner shared XXXX credentials with a third party which allowed the wire transfers to be sent. The business rules and regulations for the Account and the treasury management services terms and conditions provide, among other things, that it i the confidentiality of XXXX  credentials for the Account. '' As we stated in our statement to the bank about the fraud " At no time did anyone give our XXXX  to the criminals ''. The criminals had hacked our account prior to contacting us. How do we know? Because when they contacted us they had already created false ACH debits against the account. They called using Umpqua Banks phone number. The only information we gave out was, they sent a 5 digit security code to us, we told them what that code on our phone was. No XXXX, XXXX XXXX, No account number, nothing.
Product: Debt collection

letter dated XX/XX/XXXX from HALSTED FINANCIAL SERVICES. stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with HALSTED FINANCIAL SERVICES nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DPEDXXXX XXXX DPEDXXXX  XXXX DPEDXXXX   XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of  the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL  XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Hey on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 40 pluds days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In the month of XXXX of XXXX, my account was closed with Self, a credit boosting firm offering to boost my credit score by being solicited with them. The eventuality would be like as if I got a loan, and paid it off. But in essence they don't give you a loan, all they do is give you a payment schedule as if you have a loan with them, and then ruin your credit if you miss certain payments. In New York around about the time of XXXX of the same year, a pandamic struck and we were under orders to not go out even our houses, and work. Due to this nature I was stuck with not being to be gainfully employed and then reported for a number of delinquent accounts which are now resting in my credit portfolio owned by the major credit companies, ( the big three ). Due to the nature of the pandemic caused by Covid-19 and the ensuing realities of the lockdown and the inability to work ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like full correction to my credit report to reflect this unsettling ordeal that we experience. This action taken by both the Self company, and XXXX and the other credit report agencies has hurt my ability to function. I always paid my accounts and when looked into they all stopped due to the covid-19 reality..
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. Please verify account. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
Experian : XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
I have made four attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies.

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ). 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and card payments in the total amount of XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and XXXX, but also the collection agency NCB Management Services Incorporated.. XX/XX/2019 I received a letter of correspondence from NCB stating that my concerns will be reviewed yet the item is still on my XXXX   report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XX/XX/XXXX XX/XX/XXXX credit update as proof that the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wanting to remove a collection for a medical bill that i do not have any knowledge of
Product: Debt collection

I am filing this complaint against [ Name of Credit Bureau or Creditor ] for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

On XXXX XXXX, I submitted a formal dispute regarding XXXX XXXX  XXXX # XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Balance {$250.00}, XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX, balance {$2400.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$150.00}, which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. 

Since the required timeframe has elapsed without proper verification, I demand the immediate deletion of the disputed account ( s ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).
Product: Checking or savings account

I was with them for 2 years. Over that time Ive had nothing but issues. They had a lot of real-time issues I would make deposits and they would hold that money and as bills would come in I would sustain overdraft fees. It happened every month and I finally got tired and left the account alone until it was closed this past XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened up a credit site and noticed a fraudulent collection account and some fraudulent inquiries on all bureaus fraudulent accounts : ENHANCED RECOVERY COMPANY {$100000.00} XXXX XX/XX/XXXX ACCT # XXXX FRAUDULENT INQUIRIES : 1. XXXX XXXX XXXX SERVICES DATE XX/XX/XXXX ( XXXX ) 2. XXXX DATE : XX/XX/XXXX ( XXXX ) 3.XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) 4. XXXX DATE : XX/XX/XXXX ( XXXX ) 5. XXXX DATE : XX/XX/XXXX ( XXXX ) 6. XXXX DATE : XX/XX/XXXX ( XXXX ) 7. XXXX XXXX DATE : XX/XX/XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My former wife acquired a property in XXXX. I was never on the deed to the property and never lived there. She obtained at least two home equity lines of credit and one mortgage while she owned the house. I was not listed on any of the notes. Since Illinois has homestead laws, I signed a release that I will have no ownership interest in the property and that it will not be a marital asset. The name shown on the notes was " ( her ), married to ( me ) ''. She alone signed the notes, and I only ever signed the homestead release. The loans were originated with XXXX in XXXX, XXXX, and XXXX. In XXXX, XXXX was acquired by XXXX XXXX, and in XXXX, XXXX XXXX was acquired by PNC. In XXXX, PNC filed a Lis Pendens against BOTH of us. I am now trying to get a mortgage myself, and I only became aware of this when my credit was pulled and my mortgage company told me I had THREE mortgage collections with PNC Bank and a recently closed mortgage with multiple late payments. By searching public records, I found out that PNC sold one of these debts to XXXX XXXX XXXX XXXX in XXXX of XXXX. On the Assignment of Mortgage that is public record, it still lists the borrower as ( former wife ), married to ( me ). I never had any association with this property, and I was never obligated on any of these mortgages.