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

I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { XXXX }
Product: Checking or savings account

I have a Capital One savings account and just realized I was not receiving the advertised interest rate of 4.35 %. Due to being an older account I was only collecting 0.3 %.
Product: Checking or savings account

I was contacted by XXXX, and other Bank of America customer services representatives who were falsely representation Bank of America employees at the 1-800 call center on the back of the card. they all stated that their was fraudulently activaty on my Bank of America account in the amount of {$6000.00} U.S. Dollars. They all stated that I needed to provided my full social security number as well as my home address and other various forums of personal identity in order to look up my account. After, I refused and ended the call from the support center of Bank of America. I was then immediately called by the imposter of Bank of America again and had my life threaten if I did not comply with what they were asking me for in terms of my personal pin, password details, and social security as well as home address personal information. I have also been locked out of my account. Any help with this personal matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handing of disputes and the CFPB lawsuit because I was effected
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ) 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
Product: Credit reporting or other personal consumer reports

I filed a dispute on this account. I was notified that this account was verified. With no proof of investigation. The CFPB just sued Experian for violating the FCRA with these practices. Im not able to get new financing because of these unethical practices.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX off my credit report XX/XX/2024 in the amount of {$770.00} from Experian. The results came back updated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX according to XXXX- Debt Final Rule 1002,142 ( b ) ( 4 ) - 5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a Victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. 
I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion.
Product: Credit reporting or other personal consumer reports

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, Columbia Data Recovery : # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Follow the law and delete the inaccurate information on my report. Delete account XXXX XXXX XXXX : # XXXX, delete account XXXX XXXX XXXX : # XXXX, Delete account XXXX XXXX XXXX XXXX : # XXXX, Delete Account - XXXX XXXX XXXX XXXX XXXX XXXX, Delete Account - Columbia Data Recovery : # XXXX delete from my credit report, because of multiple violations of the fair credit reporting act.
Product: Mortgage

I was in a forbearance and ask for a loan modification and have been sending the paperwork to them. I have been sending the same paperwork over and over again for nine weeks and they keep playing with me and asking me to send the documents which Ive already sent the system is designed to tire me out where I will quit and lose my house and I wont be a victim of this. Every time I called the phone hangs up every time I call they they said theyll call me if you dont call me Ive been calling every day three times a day for nine weeks straight this is ridiculous I need some immediate help please. The companies name is SLS Mortage
Product: Debt collection

I had emergency XXXX in XXXX is 2020. After my XXXX I began to receive the bills as I was not covered at the time. I applied for and received state insurance and contacted all of the hospital billing departments to provide the insurance information. Most was resolved but there were a couple who continued to call and harass me. Professional finance co. being the main and last one I am writing you about today. I jumped through hoops for them and the hospital to get all of the correct information needed but this company will not comply. I have called and verified with XXXX XXXX XXXX hospital that they in fact were paid by insurance for this on two separate occasions. The last lady I spoke with said she had no idea why this company was coming after me, they had notified all applicable parties that this account is paid in full. Yet instead of doing their due diligence of calling the hospital to verify, they continue to harass me and destroy my credit instead of doing their job. They would rather waste everyones time and ruin people 's lives than actually do what they are there for.
Product: Student loan

Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I submitted a total of XXXX applications to Mohela, all for different employers, but they appear to only have processed XXXX of them while closing the rest as duplicates. Because of this, I am only receiving XXXX qualifying payments, when I should have close to XXXX qualifying payments. I have attached a copy of the employment applications that need to be added to my account. Please note, my identifying information has been removed for my security but was present when the forms were sent to Mohela. 

The applications for The XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were provided on XX/XX/2023, along with the application for XXXX XXXX XXXX. The application for XXXX XXXX  was provided to Mohela in XXXX. Their website reflects it was processed, but no qualifying payments have been awarded, likely because of the XXXX other missing employment periods. This employment is not showing as approved on my qualifying payment statement.
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo. They offer a service that allows you to send money through XXXX. On XX/XX/XXXX I was notified that an unauthorized payment of a total of XXXX was sent. Immediately called the bank and I was told that I was going to get my money back in 10 days and a new card. I didnt receive the card nor the money. I continued to call every other day to check on the money and the card. Today, XX/XX/2023 I called and was told that I could not get my money back and the case was dropped. Although they told me they was going to send out another card. I still need my money and they refuse to give it to me.
Product: Checking or savings account

Yesterday, on XX/XX/2023, {$1000.00} was deposited at the ATM terminal, located in the front of the bank. I deposited {$1000.00} and the money still hasnt been credited to my account. I contacted the bank yesterday, and I called them today, I also called the corporate office and spoke to a teller at the site : TD Bank XXXX XXXX XXXX XXXX XXXX , NY XXXX I was asked to come into the location and speak to a CSR, and they did not assist me or provide any assistance with this transaction and the ATM issue. 

In the past, mostly of recent, there have been numerous instances where debit cards have been ordered for my checking account and the numbers for the cards associated with my account have been placed to be viewed within the online banking modules. When I asked the CSRs, tellers and bank manager at this site, they all told me that they can not remove the cards that were linked to my checking account and did not provide any information that was related to the cards that were associated with my checking account. I never consented or I never requested these cards to be ordered for my account. 

The banking team at this branch has provided my US Passport to others without my consent by the accessing of my storage box. In one visit at this site, one of the CSRs provided information to me that my friend, XXXX XXXX, came into the bank and impersonated me. The CSR told me that I looked exactly as XXXX XXXX and he looked exactly as me. I asked the bank manager if he knew this person, and he told me that he did not, and he also told me that he does not know his ex-bf, named XXXX, whom was once a teller/CSR at this site. The bank manager provided information to me that him and his team was not acquainted with this individual ( XXXX ) and the entire team was rotated and the members of this team were entirely new to the site. 

I have been told by numerous people that I know that XXXX XXXX has been impersonating me, and forging my signature. I am concerned that XXXX XXXX may have been the person to access my safe box.
Product: Mortgage

Our mortgage company, New American Funding has been inaccurately reporting our mortgage payments late to the credit bureaus. We had our credit pulled in XX/XX/2018 and it showed that New American Funding reported us 30 days late inaccurately for 2 months. On XX/XX/2018 I spoke with 2 supervisors, XXXX and XXXX and was told that they do not pick up the payment XXXX XXXX XXXX, so this might be the problem. I told them that this should not affect me negatively because they neglect to pick up their mail. I have kept USPS tracking receipts showing the payments were received on time. On three different occasions they claimed they had not received our payment until five days later. After receiving no assistance from XXXX or XXXX XXXX asked to speak to the Manager. They told me a manager named XXXX XXXX would call me. XXXX XXXX did not call me so I reported it to the XXXX, she then contacted me XX/XX/2018. XXXX retracted everything I was told by XXXX and XXXX about not picking up the payment XXXX XXXX XXXX. She told me there was nothing she could do but email me a credit dispute form. I filled out the form and sent it to the credit dispute department. I called New American Funding on XX/XX/2018 and spoke to XXXX who told me the dispute was denied. This denial is unfair and need to be review by higher authority. This incident has ruined our credit and it needs to be rectified! I demand that these late payments be taken off of all credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights.

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.
Product: Debt collection

I sent a certified debt validation letter to Harvard Collections Services on XX/XX/2019. Harvard Services received the certified debt validation letter on XX/XX/2019. On XX/XX/2019, Harvard Collections sent me letter stating that they have the ( {$780.00} ) bill and the XXXX in the " Amount You Owe '' does not mean that I have a XXXX balance. Harvard Collections Services has failed to provide me with proof of validation- did not include Medical Consent,  contracts with my original signature from the Original Creditor and not the collection agency. In addition, Harvard Collections Services revoked the authority of its registered agent in Florida to accept services on its behalf on XX/XX/2019. Therefore, Harvard Collections Service is not legally licensed or bonded to work in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to LVNV funding stating i didnt not no where this account # XXXX came from balance was XXXX. On XX/XX/2023 I receive mail back from credit one stating the account was deleted it was not lvnv funding I sent a certified mail with Id and statement shown wrong dates open and closing date to all three credit bureau the account still show closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Bank of America took the charge off from XXXX from a flight they changed and I never took. Then they added the charge back without notice. Now they are charging interest on that new charge that was taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX  XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX # XXXX Does Not Belong To Me
Product: Checking or savings account

I XXXX XXXX have been banking with bank of the west for almost a year now from the beganing I have been treated poorly and never getting to have things explained to me from checks bouncing paying them within the five days and still having collection agencys contact me about unpaid debits after all of this that bank closed my account for getting upset for getting into my account without permission or me giving them my account number I don't know how they did that after get mad they told me I didn't have any money in my account witch was a lie I had XXXX dollars after they told me I did have money in my account when they said I didn't they made me withdrawal my money and closed my account I was getting a settlement soon to be deposited into my account now I can't find it I don't have a bank account for reasons that could be avoided and money that was unsafe taken from me and also almost losing my life for please help me resolve this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXXXXXX XXXX Reporting EXPERIAN : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I had an issue with my Mortgage company XXXX XXXX XXXX which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX is still reporting this under the XXXX. This is inaccurate.