23daVinci/CFPB_Complaints huggingface dataset:
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, has violated my rights. 


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

Thank you for taking time to read this letter. Im writing because I noticed that my most recent credit report contains a 30 day late payment from ( APPLE/GSBANK ) I understand my financial obligations and I never intended to miss a payment. I have been unable to access my XXXX ( XXXX ) since XX/XX/2021. The reason why is because I changed my phone number, so I didnt have access to XXXX XXXX XXXX in order to pass the authentication process ( 4-digit code they send for verification ). This led to me being locked out the account. I spoke to a rep a few months ago when I disputed the charges and explained that Im locked out of that old account. She processed the dispute, and I thought I was good to move on from there, but the dispute result didnt come back in my favor. The results were sent to that old email and its no way I could have ever known. I gave the rep my updated mailing address and phone number but still she sent it to that XXXX after me telling her I couldn't gain access to it. This morning I received the devastating news that I had 30-day late notice on all my credit reports and it's tearing me to pieces. I paid off the total amount within hours of receiving the news. I worked very hard to get my credit to where it's at now and I was a month away from trying to purchase my dream home. I have always been in good standing with this company maintaining a XXXX balance for months before this situation occurred. I even had plans to re-apply with Goldman Sachs under my current apple id. It has never been my intentions to miss any payments. I simply just wasnt aware that i had one. I truly believe that this 30day late payment doesnt reflect my creditworthiness and commitment to repaying my debts. I have also enclosed a copy of my XXXX contract in which you will see that the activation of my phone number was in XX/XX/2021, therefore proving that I have not had access to my old phone number XXXX since then.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I lost my home back in XXXX  to the mortgage fiasco of Wells Fargo. Wells Fargo claimed that they allocated my payments incorrectly. My home was foreclosed. I was evicted from my home for not making my mortgage payments, which I did every month. Not sure if I could be part of the cases against Wells Fargo. I do know the foreclosure was not legal and i am entitled to compensation.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to ask for your assistance with a matter regarding potential inaccuracies on my credit report. After reviewing my report, I have noticed several discrepancies that I believe may be incorrect, and I would greatly appreciate your help in reaching out to the credit bureaus to investigate and resolve the issue.

As I understand it, the credit bureaus are required to investigate disputes under the Fair Credit Reporting Act ( FCRA ), and I would like to ensure that these discrepancies are properly addressed. I would be grateful if you could help me by contacting the bureaus on my behalf or advising me on the most effective way to initiate this process. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6600.00} - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX Opened : XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I called the company American Eagle/SyncBank on XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.
Product: Credit reporting

I sent XXXX XXXX XXXX a creditors validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They was suppose to contact Equifax Credit Reporting Bureau in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information. Alone with the deltion letter that should have been sent to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither XXXX  or Bank of America want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. XXXX   and Bank of America refuse to remove this fraudulent account from my XXXX  credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me.
Product: Student loan

I have recieved my 1099-C Copy B form from the IRS having my student loans forgiven and debt canceled for the total amount of them being {$13000.00} at the time it was. Yet there was no reflection made on my nelnet account, my student loan account number being XXXX. As well as late fees for these loans that increased the amount when it was already canceled.
Product: Credit card

I received a credit alert that a new inquiry for a Chase Credit Card was submitted on XX/XX/XXXX. The credit card applicant was declined but my information was still breached somehow. Someone also attempted and was able to successfully open a credit card using my sisters information ( XXXX XXXX ). 

I called Chase and they told me they didn't have any information on the application since it was declined, the info was deleted from their system. I asked if they would investigate since there were 2 breaches and they said no. 

I also called the credit bureau to get the inquiry removed and they noted they couldn't do anything until i filed a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a certified letter to Trident Asset Management about a account that was not my debt. I also asked that they send me original documentation and signatures binding me to this debt. I have never received a reply providing me with the information I requested.
Product: Debt collection

It was not me dont know ware the bill come from having been to a hospital in eight years XXXX XXXX XXXX XXXX say I owe them I dont know ware they come up with that bill it worng for them to put it on me I dont owe them it was not me they have a collection on my report Franklin collection service {$100.00} its not me have no idea why it is on my report open XX/XX/2016
Product: Debt collection

My information was exposed in a data breach, and my identity was stolen. I have requested a proof of Dept on multiple occasions, last time was XX/XX/scrub>XXXX and they have not responded. That is over the 60 days they are allotted. I have filed several disputes. Confirmation # Dispute : XXXX.
Product: Debt collection

Accounts : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX Inquiries : XXXX / XXXXXXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment Notice, it is a fact, affiant is aware, these inquiries is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove this inquiry as seen on my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the reappearance of XXXX XXXX  XXXX accounts on my Equifax credit report, These accounts were removed, as confirmed in a letter from Equifax dated XX/XX/year>, which I am providing as proof. Despite this, the accounts were reinserted without notifying me, verifying their accuracy, or conducting a proper reinvestigation, violating the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 5 ) ( C ), 1681b, 1681c-2, 1681e ( b ) ). This reinsertion has caused confusion and negatively impacted my creditworthiness. I have also submitted proof of identity theft, which should have resulted in these accounts being blocked, yet Equifax failed to comply. These actions violate their duty to ensure maximum accuracy and safeguard my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX XXXX XXXX Account I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DF ] of the XXXX XXXX XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate and can not be verified properly, it must be deleted DA by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as Bank of AmeXXXX XXXX are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. 

I anticipate prompt deletion [ DA ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX
Product: Debt collection

Citibank N.A cancelled and discharged the Home Depot revolving debt on my credit report back in XX/XX/2014 ( proof attached ). The only Citibank representative that would talk to me was XXXX XXXX whom stated she worked for the office of the president and declared that the debt is again valid and that I need to pay it. XXXX XXXX stated that she was the highest level of anyone to talk at Citibank and that my only option was to pay the " valid debt '' even tho I sent proof multiple times that the debt was cancelled and discharged and should have been removed from my credit report and collection attempts.
Product: Bank account or service

I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.
Product: Debt collection

XXXX  requested I pay for internet service for three out of four weeks when I no longer had service with them after moving out of my home on XX/XX/2020, after losing my job due to the pandemic. I returned their equipment at move-out. XXXX  said if I didn't pay the last monthly invoice they would take me to collections. They said they have a new policy where they do not prorate the bill. I didn't pay ( for service I never received ) and they sent the unpaid bill to collections. The collection agency filed with all three credit bureaus which have lowered my credit score and affected my ability to rent again now that I am re-employed. I sent a letter to Management appealing the bill but never received a response. Recently I filed a complaint with the FCC. XXXX  finally called me. They apologized and said there was nothing they could do. I owed the money despite vacating my apartment and not having internet service for the majority of the time for the last invoice. They told me their policy is no pro-rations period.
Product: Checking or savings account

on XXXX XXXX i received a direct deposit of {$4000.00} having a total account balance of {$4500.00} on XXXX XXXX i made an ACH payment of {$4000.00} later this day wells fargo declined paymen issuing a NSF FEE of {$25.00} i called wells fargo to dispute the fee, after that they frozen my account and sisabled online banking access. 

this is not the first time they disable online banking and freeze account just after i hang the phone they do this because they know when i am traveling and cant go to the branch, so they just lock down everything and told me to go to the branch as they know i cant do it. 

in the meanwhile they work with my frozen money. 

i clarify that fraud was not reported, i only reported the unfair {$25.00} fee issued by wells fargo. they cant issue a NSF fee and return the ACH pyment when i have enought funds.

i attach 2 form of id + wells fargo statement + debt card for authentication hopin i dont need to go to the branch to solve this. but last time they forced me to go to the branch, last time was end of last year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX both accounts on my experian credit report should not be there. I have never owned or been affiliated with the account they are alleging. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX - {$770.00} XXXX Information Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Birth XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Employers XXXX EMPLOYED
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 XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Payday loan, title loan, or personal loan

I contacted the above loan company and spoke with XXXX, branch manager and explained that they were in violation of my consumer rights by not providing me a clear and accurate understanding of the loan. I issued the a an affidavit, demanding the name, address, phone number etc for the original creditor. 15 usc 1692g. She stated that they didnt have to because they were not in violation of any federal rights. They then repossessed my vehicle by coming on to my personal property, in my driveway, and took my vehicle, causing my children to cry historically. I explained that they could not process the repossession while the account is being disputed. They never sent a letter stating they where my vehicle was or who had it. A police report was filed. I made a misinformed decision by obtaining this loan. I never received a separate notice letting me know that I could resend the contract, and obtain another. These transactions were all reported to the 3 credit bureaus, which violated my consumer rights to privacy. Remove account from 3 credit bureaus as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, refuses to remove a reported late payment for unauthorized transactions that, were not only removed, but acknowledged that they failed to inform me in time. The merchant responsible for the unauthorized transactions has put in writing that they mistakenly charged the card and reached out to the bank to try to reverse them prior to the credit reporting.