23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My name is XXXX XXXX and I am a victim of ID Theft and I received a copy of my credit file that your company publishes and after reviewing that I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in YOUR files as of this date that you used to verify the accuracy of the accounts list below. Under the FCRA 15 U.S.C section 1681g, I do have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, plus update my address and delete the rest? Please just update my name and delete all unnecessary information and please remove all unverified items on my credit report and distributing them to third parties under Section 611 ( a ) ( 5 ) ( A ) ( I ) and damage my reputation and credit worthiness.
Product: Debt collection

In XXXX someone opened a phone account with XXXX XXXX with my personal information and i had no acknowledgment until i received a call from XXXX saying i owe the amount of {$1200.00} for a phone i purchased i called them and let them know i never opened a account with XXXX and that i was still in high school so they listed the phone as blacklisted and identify theft and that it wouldnt effect my credit but it did Ive been trying to to get it removed for years i even have documentation stating that it was fraudulent i just need to report it as identity theft
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
[ XXXX XXXX, {$330.00} ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
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  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 or other personal consumer reports

NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, XXXX emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies. Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably. I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company. Please send all correspondence related to this matter to the address listed below. Issue of Matter : Dept of Education/XXXX Account ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - Comentity Bank/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for Comentity Bank/XXXX has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. 

I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that Comentity Bank/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX  today. XXXX  has removed this account from my credit report. I would like for Comentity Bank/XXXX to request removal of the tradeline as well. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been inaccurately reporting my XXXX account with late payment history. I have taken steps to resolve this matter with the company directly and have had no success. This also took place with my XXXX and XXXX files but the error was immediately corrected. I have supporting documentation from XXXX directly and am requesting the error be corrected.
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and TRANSUNION which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and TRANSUNION all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

overdraft fees from Navy Federal with XXXX program my personal account got closed
Product: Checking or savings account

I contacted you all mentioning a misplaced card and an unauthorized charge of over {$500.00} on my card. My response from Wells Fargo was since the card was inserted then they can not issue a refund. I have made a police report and waiting for them to get back to me. 

Here is my previous statement ; " Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for a big purchase on my card for about a year now. I told the Wells Fargo team about unknown charges on XX/XX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking it was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contacted them again they told me they are still investigating. More time went by, another call, and I was told I would not be getting a refund since my card pin was entered. When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I would not see my money. Please help. '' After being a customer of over 8 years with no charges like this on my statements this is XXXX response in short ; " While we empathize with you under regrettable circumstances, we respectfully decline your request to reimburse your account for transactions you authorized. We recommend you reach out to the merchants directly for further recovery efforts. '' I have reached out to the store, the store tells me to contact my bank my bank tells me to contact the store. 

Need this fixed please as over {$500.00} missing is pretty worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian in regards to a public record item on my credit report. I have even filed with CFPB each time Experian has responded stating they verified the information the first time they stated they verified with Lexis nexus I have attached proof from XXXX XXXX that they have no file on me Secondly Experian states they verified with US Bankruptcy court I have attached proof from the US Bankruptcy courts that states Experian didnt revive this information from them Attachments letter from US Bankruptcy Court Letter from XXXX XXXX Photo ID
Product: Checking or savings account

Filed a claim about a crypto-currency exchange called XXXX XXXX  was taken out of my account without my acknowledgement, Wells Fargo puts provisional credit. The first transaction was a dispute because i have never received the funds while the other ones ocurred without my consent/me so i filed a claim for unauthorized transactions on my account. 
Wells fargo after approximately 2 weeks takes the money out of my account with no notice, leaves me on -310 on my birthday, keep in mind im still waiting for my debit card that never arrived after i filed the claim which underlies the nature of the claim. 
Keep calling, placed on 1 hour time, every time i call someone he tells me a different story. They exceed the call review time and when i ask the people on the phone they keep giving me false dates and that the call review was initiated on the XXXX while it was on the XXXX XXXX. 
I keep calling and calling, after that they said that they looked at the calls, keep in mind that the first employee said they have no notes on there. 
To resume, i did a dispute of 200 dollars of undelivered goods, after that i find that the merchant has completely emptied my card, i call wells fargo, they change my card, after a few weeks, they take money out of my account with litterally no notice, leaving my without money to feed myself or my children on my birthday XXXX XXXX. The reason why the claim was denied was because they said they didnt have dispute rights, which is acceptable but i did not dispute 200dollars of those transactions, i know what i did, wells fargo wasted my time and money and energy and left my kids hungry, and on top of that lies about my statements, i would like to retrieve my money because i feel like they took it to themselves and did not even give it to the merchant I will be making a supine, i feel discriminated and i never thought i would be treated this way by a financial institution this well known. 
As im writing these words my stomach is gurgling of hunger because of wells fargo but their greed took over everything.
Product: Credit reporting or other personal consumer reports

Barclays Old Navy reported a 30 day rating under XX/XX/ on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from Barclays error.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/year> is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of a false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> High Balance : {$600.00} Balance Owed : {$0.00} Account Status : Closed, Paid Term Length : 12 months Account Type : Unsecured loan Evidence of Errors : Discrepancy in Reporting : Experian incorrectly reports a 30-day late payment in XX/XX/year> despite no missed payments being made. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payment for XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor 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 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I been having problems with the staff at this location with someone by the name of XXXX, shes the collectors supervisor if Im not mistaken. I received a call the day of my payment ( XXXX ) for my vehicle & I stated to the girl that I was having a issue with my bank card and as soon as I solve the issue I will make my payment ASAP. Then 4 days later one of their collectors contacted me but i couldnt answer the phone due to the fact that I was at work, so I send him a text message & let him know I was going to the bank that day to get my card so I can make my payment tomorrow. I then asked him if he can send me his email so I can email him. So 4 minutes after letting the collections agent know that I will make my payment I send a email to the agents email basically to cease communication even though I still let them know when I was making my payment. 
Today XXXX I finally received my card, but my vehicle was repossessed. They did not put out a right to cure in my car, door, or mail. They just took my car without letting me know. After that I went to the dealer to complain on why they took my car. They stated because I send them an email to cease communication. When I went to the office I first spoke with XXXX, she told me she did put a right to cure but could not show me any forms. Then after I spoke to the boss ( XXXX ) she then told me as well it was because I was not communicating with them and that they are allowed to repossessed my car without putting the right to cure. Which in these 2 attached photos shows that before I send them the email I still communicated with them. So from my understanding because they didnt like that I send the email XXXX authorized them to repo my car. & now Im stuck with repossession on my credit & more fees that I have to pay only because XXXX did not like the email that I send. To make it worse when I got to the office she was being so rude & was just saying she can basically do what she wants to. When I bought my car there I liked the employees I thought they were pretty nice. But the more you get to know them i realized that you pretty much have to bite your tongue at all times because XXXX will end up voiding my payments just so she can be able to take my car away from me.. PLEASE PLEASE Let me know if you can help me. I feel like I was treated very unfair only because of sending a email. I spent 3 hours waiting to speak the the boss and an extra hour trying to get my car back. Thats 4 hours of my time over a email that I send.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXXXXXX 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 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: Money transfers

I was befriended by XXXX from XXXX and over the period of XXXX mos from XX/XX/XXXX to XX/XX/XXXX I loaned him {$5000.00} XXXX. He agreed to pay me back but still has not. I contacted him again last week asking him to pay me back and he now refuses.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the following accounts has violated my rights : 1. Validate Account XXXX XXXX XXXX  account Number : XXXX 2. Validate Account XXXX Account Number : XXXX Please provide information regarding this account, validation of the debt, details regarding the total amount owed, the date of the last activity, original credit if applicable, and any relevant information associated with the debt.