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

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX  XXXX XXXX Balance {$3800.00} CITIBANKNA XXXX Balance {$7900.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX PURSUITS ) XXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX - {$470.00} XXXX XXXX - {$480.00} Credit collection services- {$480.00} XXXX XXXX XXXX {$530.00} XXXXXXXX XXXX - {$600.00} Credit collection services- {$650.00} XXXX XXXX  - {$690.00} XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$1600.00} XXXX - {$4400.00} XXXX XXXX XXXX$1200.00} XXXXXXXX XXXX  - {$970.00} XXXX XXXX XXXX - {$390.00} XXXXXXXX XXXX  XXXX {$1300.00} XXXX - {$3700.00} XXXX XXXX {$7500.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$470.00} XXXX XXXX - {$690.00} Ccs collections - {$740.00} XXXX XXXX - {$900.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  i paid off settlement balance with collection agency, XXXX XXXX XXXX. I called the company she stated that my account fell through the cracks. That they would get this resolved right away. My credit report is showing inaccurate still showing that I owe a balance of {$280.00}. I have a notice that i paid this off in full and account has been deleted. I would like this corrected and deleted from all my credit report as this is showing inaccurate information and also affecting my credit in a negative way and my score. 
They are all reporting this account in accurate which is not under FCRA complaince. This is inaccurate reporting and needs to be removed. Please send me a copy of my credit report once this is deleted and has been removed from my credit report. 

XXXX Credit Bureau Equifax XXXX
Product: Debt collection

My co-signer for a private student loan received a single phone call from a collection company, Credit Control. My co-signer explained that I was not available at that time but would pass the message on - the rep insisted that I knew of the debt as they have sent several letters and made several attempts to reach me by phone. No letters have been received, and no phone calls other than this single call have been made. A few hours later, I returned the call and offered to pay regular monthly payments starting in a few weeks time as I did not have a lump sum and could not at that time make a down payment. The rep told me that without immediate payment, " further collective action would be taken '' and he refused to set up regular payments on the account without a payment then and there, even after explaining that I did not have the money to make a payment at that time and that doing so would put me in a worse off financial position. I explained again that I was happy to make regular payments that I could afford starting in about 2 weeks time, and he again refused and fell silent. I felt harassed and bullied into making a payment which I could not afford at that time.
Product: Student loan

I have repeatedly submitted evidence that I did not attend XXXXXXXX XXXX in XXXX and yet Nlnet is refusing to acknowledge their error and correct the school to XXXX XXXX on my loans. All my debts to XXXX were discharged in bankruptcy in XXXX. I did not take loans for XXXX I applied but the loans were not distributed due to my withdraw from the program. ( this was in XXXX ). I applied and attended XXXX in XXXX. I did take loans and attended XXXX in XXXX and XXXX. NELNET repeatedly ignores emails and refuses to correct info when even through their last correspondence here the evidence they submitted proves they are wrong. Please please help me get them to actually look at the documents it is crystal clear I did not go to XXXX in XXXX. I need the loans corrected with the correct schools as I do not want to be paying for loans with errors on them.
Product: Debt collection

on XX/XX/2023 Website XXXX XXXX is accusing me of owing them XXXX dollars. I have never opened an account or credit card with this company nor did I authorize for my benefit. I have reached out numerous times and have requested to have this remove. Its affecting me in every way and its unfair due to this account not belonging to me.
Product: Credit card

A purchase was made and the item received were all damaged. The company would not pay for the return fee. And the card told me they would dispute the charges. I was told that I should not pay the bill and they would handle the refund to my account. Months later, the put a nonpayment alert on my credit with damage my credit, after the assured me that the would handle the refund on my behalf. SYNCB/PPC 30 DAYS LATE Credit Cards
Product: Credit reporting, credit repair services, or other personal consumer reports

NCTUE Security Freeze  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX PER THE FAIR CREDIT REPORTING ACT : I am writing to you to put a security freeze on my NCTUE credit report. Under the Fair Credit Report Act you are required to comply. I also OPT OUT of NCTUE and any report/file NCTUE or its subsidiaries may have containing my name or referring to me in any manner. 

My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX, XXXX IN, XXXX CURRENT PHONE NUMBER : XXXX Enclosed are the following two documents that verify my identity : Photo ID SS number After this credit freeze has been filed, please send me written confirmation, as well as, a copy of my FULL NCTUE DATA REPORTS to the address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Letter from Phoenix Financial Services stating a medical debt from an ambulance company ( XXXX ) with a date of service of XX/XX/19. I have never needed or used an ambulance and this is the second time this company has claimed this. According to the letter, I originally owed {$1100.00} and was credited {$1000.00} with a owed debt now of {$110.00}. The letter mentions being sued for the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I started a secured card with Capital One with a deposit of {$500.00}. 
On XX/XX/XXXX I paid my balance in full and closed the Capital One account. 
Today it is XX/XX/XXXX and I have not yet received my {$500.00} deposit back. 
I have called Capital One three times, starting XX/XX/XXXX. On this first call I was told to call back again in a week to expedite the return of my deposit. On XX/XX/XXXX I called again and the representative acknowledged that I did have a {$500.00} credit and that the account was closed with XXXX balance. I was told that I would receive my security deposit back on XX/XX/XXXX or XX/XX/XXXX, deposited to my checking account. This did not happen. Today, XX/XX/XXXX I called again and was told by a robot that I had a {$500.00} credit and that I would receive this money in 60 to 90 days. At every contact I get a different story. On this call I asked for 'representative ' and got a human on the line. I explained the above and she told me that I did have a {$500.00} credit on my closed account but I takes two billing cycles to process. I pointed out that I has been two billing cycles but she said it wasn't because the cash I tendered on XX/XX/XXXX was not posted until XX/XX/XXXX. Her promise was I would receive a check in 7 to 10 days. Is this another lie?
Product: Checking or savings account

On XX/XX/XXXX, I wanted to complete an online withdrawal from my account, not getting access to this account for quite some time I could not remember my credentials. So I called ALLy, After answering every question that the ALLY asked me and being on hold for 30 minutes I finally remembered my access and completed the transfer on line. I then received an email from ALLY confirming my transfer. At XXXX I received an email that my transfer was suspended, I called ALLY in the XXXX to inquire why it was suspended. They stated I did not have enough funds, which was then proven wrong and then they stated a Rep suspended because I did not answer all her questions on the phone. I answered every question that was asked of me in a timely and complete manner. Now they are telling me that I have to make this transfer all over again. They screwed up transfer, kept me on hold for over an 1 hour of my time and then they make me a victim to start the process all over again. They and it states on the email, that they " temporarily suspended '' the transfer, so they should easily remove the suspension and complete my transfer. They refuse.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

Yesterday I received a {$200.00} check from Wells Fargo ( ref. number XXXX ) for an error that may have occurred when my mortgage was considered for payment assistance options. I called Wells Fargo and ask them what error occurred and when. The agent was unable to provide that information to me. I had submitted a complaint to CFPB in XXXX XXXXnd on XX/XX/15 Wells Fargo replied that No error was found and the case was closed. 

I believe this {$200.00} check is an attempt by Wells Fargo to limit their liability to customers under the recent CFPB enforcement action. The letter I received with the check is from Wells Fargo Customer Care - Remediation. Given the fact that Wells Fargo gave me a quote for over {$22000.00} to reinstate my my mortgage, when in reality the amount was {$11000.00}, I think CFPB might want to look at what customers and what payments are being made under the enforcement action.
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023
Product: Debt collection

I have had received several contacts from XXXX Portfolio Services in reference to an alleged account that I owed to XXXX XXXX. In an attempt to stop contact I agreed to XXXX offer to settle an account with paying XXXX XXXX dollars. They agreed to delete account from the credit bureaus that they utilized ( XXXX, XXXX, XXXX ). XXXX lied and utilized tricky methods to get me to pay this allege account. Knowingly having no intentions of deleting account. XXXX carried out deceptive method to trick me to pay this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - Reference to Florida FCRA Identity Theft Fraud Laws Dear CITI Bank, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, which constitutes a violation under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Florida state laws pertaining to identity theft and fraud.

It has come to my attention that CITI Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Florida state laws, particularly those regarding identity theft and fraud, underscore the severity of unauthorized access and misuse of personal information, such as Florida Statutes Section 817.568.

I assert that I have not provided consent for CITI Bank to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that CITI Bank immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Florida state laws. Failure to comply within the stipulated timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including those pertaining to identity theft and fraud.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and Florida state law. This is not up for negotiation ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that CITI Bank will promptly rectify these violations, respecting my rights under federal and state laws.

Done in good faith,
Product: Credit card or prepaid card

Following was sent to the credit card company, the CHASE Credit Card for South West Rapid Rewards on XX/XX/2022 with Certified Mail to the address shown on the 2nd page of the monthly bill where it says " What to do If You Think You Find A Mistake On Your Statement '', since then they have not replied at all. 

This is to inform you that there is an error in the billing statement dated XX/XX/2022 on my South West Rapid Rewards Credit Card due on XX/XX/2022 which I am disputing. It should be resolved immediately upon receipt of this dispute letter. 

I have made two on line purchases with a PO number XXXX from XXXX XXXX XXXX on XX/XX/2022 which is shown on the attached XXXX XXXX XXXX XXXX. It clearly shows on this document I was charged in the amount of {$920.00} which included the sales tax for the two items. Cost of each item before sales tax was {$390.00} and {$440.00} each. After adding the sales tax cost of the purchase was {$430.00} and {$490.00} for each item yielding to the total purchase amount of {$920.00}. 

Shortly after receipt of these on line items I have returned one of the items back to XXXX XXXX in person as shown on the VISA Statement in the amount of - {$430.00}. However, this amount for the returned item has not been deducted from the total balance due. Both purchase and returned items fall within the same statement period. Therefore, there is a serious error in the statement that I have received, dated due date of XX/XX/2022, this statement did not apply the returned item of - {$430.00} as credit. Yes, it shows it has been returned as - {$430.00} in the statement but it has not been applied as credit against the total purchase amount of {$920.00} and hasnt been deducted from {$920.00}. Total balance on this statement should have been {$490.00}.
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. 



Open Account : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I called payfare Lyft directs pay card service to get access to my account after switching phones XX/XX/XXXX. They asked me several questions about myself and the account in which I answered I told them I don't know password and security questions which is why I can't get into account. that has over XXXX dollars in it of my money. Which I need to pay bills. They hung up on me.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.