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

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

Furnisher Account Number XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Credit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Checking or savings account

Hi - I recently disputed a transaction with Bank of America that turned out to be from them all along. It took a number of phone calls to even determine where the charge went exactly, and that's how I find out it was from Bank of America. They are sending me to other departments to try to get in touch with a department of BofA that they can't even verify ( apparently they will only talk to me? ). 

The amount was for {$3100.00} on XX/XX/2019. I was given a credit for that amount but it was reversed a few days ago ( XX/XX/2019 ) when the claim was closed. The only information about the claim was that the research team determined the payment was authorized, which I can confirm it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/2021 {$450.00} Needs Attention XXXX XXXX Reported : XX/XX/2021 {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter on XX/XX/2022 in regards to U.S. DEPT OF XXXX # XXXX This reporting In violation of 15 U.S. Code 1681i ( 5 ) and 15 U.S. Code 1681e ( b ) on account They have still not rectified this issue and come into compliance with federal law.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FTC Identity Theft Report reference number XXXX
Product: Student loan

I called XXXX on Wednesday ( XX/XX/2019 @ XXXX ) to get guidance on the Temporary Expanded Public Service Loan Forgiveness program.

The customer service person answered with a strong XXXX accent and  without asking what I needed, requested my name and social security number. It felt weird. I mentioned this fact, but he told me he needed the information to see if I " pre-qualify '' for the program. I gave him my social. 

Then he asked for my birth-date. I asked if he could see anything about my loans ( to verify he was actually getting information ). He responded he saw I had two loans that may qualify, but he needed to know my birth-date to verify it was me. 

The number seems legit, and I was referred to them by XXXX. 

He told me I had loans from " XXXX '' ... which was incorrect ... but it was too late cause he had all my information. He then CLUMSILY guided me through the website to download a form. His services didn't have anything to do with the actual process. 

My Problem : This is the age of identity theft. The number and info still come ups as being legit..but I feel like it was a scam. It had ALL the telltale signs ... but I feel helpless in telling the difference between something legit and something wrong ... and there is something definitely wrong with how this played out. I think they are violating what they should/should not request from their customers. 

There has to be laws to help protect us from just handing out information like this. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a wrong information I dont know this company I never leave here my ex partner was living in this apparent complex. Not my information Original Lender XXXX XXXX XXXX Account Type Not Reported Responsibility Joint Age Of Account 1 Years, 3 Months Credit Limit Not Reported Highest Balance {$7600.00}
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please help conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00}.
Product: Mortgage

Dear CFPB, Thank you for handling my complaint with Wells Fargo. My complaint # XXXX and after submitting my complaint, I sent a letter to you to add to my file. I see that it did not get added so basically this is what WF replied. 
I had a 30 year loan with 11 years of payment history. My son has been handling this as I have been ill so this is what WF came up with and I believe that this " modifacation '' is not what the HAMP program was thinking of ... but leave it to WF to figure out a way to get them more money and me further in the hole. 
They modified my loan as this : They extended my loan to add another 10 years to it with the same 5.6 % rate and a reduction of my payment from {$1500.00} to {$1400.00}. 
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years, my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan, not the interest. 
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way, this is the only modifacation they are offering. I have no recourse. 

My son signed me up for it, but I am protesting this loan and need your help to get this rectified. 
Since this has happened, and my loan payment is still pretty high, I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan, so I need them to go back to my 2015 paperwork and use that and not request new credit info. 
I actually believe my only way of receiving any assistance is to take them to court. 
Please, if you can help me CFPB ... I would be truly thankful. 
Best regards, XXXX
Product: Debt collection

Resurrgent is a debt collection agency that is representing LVNV Funding. I disputed this account with the credit bureau and according to XXXX, this debt was verified. I then sent a certified letter to Resurrgent on XX/XX/2022 for debt validation of this account. I never heard anything from this company. In fact, I sent the confirmed date from the USPS and copies of the certified letter sent to Resurrgent to XXXX on XX/XX/2022. The letter sent to XXXX clearly stated to remove this debt due to the failure of the company Resurrgent not verfiying the debt. I provided clear documents to XXXX to have this removed, instead XXXX sent me another " verified '' debt from Resurrgent/LVNV Funding LLC . 
I contacted XXXX on XX/XX/2022 and spoke with a XXXX representative advised the rep the exact information as stated above and stated that Resurrgent verified twice with them and refused to delete. Pleas advised what steps are needed to get this done,!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  Bankruptcy XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

FEIN SUCH KAHN & SHEPARD, P.C. put a Judgment # XXXX on me. I don't have any written or verbal contract with them, they never validate the Debt.FEIN SUCH KAHN & SHEPARD, P.C.are the original creditor and they violating Fair Debt Collection Act. Debt already been forgiven/paid internally. Original Bank for the credit card Debt never filed 1099 A or 1099 C to IRS so Debt been write off by the original Bank. Debt is been too old and there's no activity on that account for over 10 years. FEIN SUCH KAHN & SHEPARD, P.C. act is completely illegal and has to stop and investigated by AG NJ office. FEIN SUCH KAHN & SHEPARD, P.C. is in serious violation of Civil Rights and Common law and FDCPA violations.Alleged Debt is not owed any more because it passed age of limitation.
Product: Debt collection

Wrong person the account Account info Account name XXXX XXXX XXXXXXXX XXXX not mine doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT CA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have call them multiple times trying to get on lower repayment they say I've exhausted everything I can't even get them forgiven or removed as XXXX XXXX has gone bankrupt I can't use my degree because of that financially I'm struggling hive gone from the possibility of working in a good career to working retail or food service for minimum wage hours are constantly being caught I'm struggling with my own debts and bills and it's tough making ends meet their inflexible I've had to cuss them out to get anywhere I've had to threaten them with lawsuits or things like that I just want some debt relief I don't wan na be having to pay these for the next 8years as im barley getting by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report and FTC to Experian XXXX XXXX XXXX unit and they had enough evidence to block account ( XXXX XXXX XXXX XXXX ) and they did but XXXX XXXX came back and stated the account was verified. so I called XXXX XXXX and they stated the account was noted as fraud. Then the rep from XXXX XXXX stated they XXXX did verified the loan was mine but the XXXX was actually talking to the man who stole my identity but never contacted me. How XXXX can you get to contact the number on the contact from XXXX XXXX that was fraudulent. They gave a loan to a man fraudulent under my name who uses a XXXX XXXX  Address and I never had owned or lived in XXXX XXXX, I live in XXXX XXXX! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and XXXX XXXX XXXX the loan was fraud and noted. So why would they fund it. Then XXXX XXXX removed the inquiry as fraud. The XXXX with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against XXXX XXXX, Now Experian Credit Bureau want even let me dispute it because XXXX stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against Experian if they don't fix this, I asked the rep with Experian for the verified information they got back from XXXX and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed
Product: Credit card or prepaid card

I did not authorized CB INDIGO bank This is a violation of my rights under Fair credit reporting act. I have the rights to privacy it also states a consumer can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX serviced Account # XXXX has violated my rights. 
15 U.S. Code 1692c - Communication in connection with debt collection - ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I HAVE THE RIGHT TO PRIVACY
Product: Consumer Loan

Wells Fargo never disclosed that the minimum payment that they charge on the account is based on the HIGHEST outstanding balance and once set stays the same until ALL balances are paid off. These balances were taken out on zero % with varying due dates to avoid interest if paid in full. Because of the high minimum payment, I am being forced to pay off the card BEFORE the zero is actually due. This is deceptive trade practices and is forcing both a higher minimum payment being reported to the credit agencies as well as depriving me of the 0 % benefit without any notice that this is their practice. This is an abusive practice that is damaging consumers who take out store credit with Wells Fargo and should be investigated, changed AND PUNISHED! 

They also apply the monthly payments in an incomprehensible way to where you have items that are due later getting more paid off than items that are due sooner. This bad application could also cause someone to miss the due date on items that are due sooner and so incur the interest that the consumer had fully planned to avoid based on their payments.
Product: Debt collection

This is the fifth time that they've sent me a debt collection letter of which i have had numerous time telling them that i have been a victim of identity theft. 

Radius Global Solutions LLC is representing a creditor named XXXX associated with XXXX XXXX XXXX. I'm unable to call Radius Global Solution due to me being XXXX XXXX with XXXX  XXXX. I have no one to assist me in calling Radius Global Solutions either. This is why I'm contacting CFPB in hopes to clarify that this amount {$3700.00} is not mine to pay because i have been a victim of an identity theft. 

Please inform Radius Global Solutions to clear and to remove this balance off from my credit history as a write-off that i am not responsible for balance owed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1800.00}
Product: Mortgage

I have been in contact with Aurora/Nationstar/Mr. Cooper for many years. Knowing what I know now I never would have had anything to do with an adjustable rate mortgage. I do not know how you can have one mortgage that describes both types of mortgages anyway, fixed and adjustable rate. I reached out to a company that helps people in my situation. They say I qualify for their help but Mr. Cooper refuses to accept them helping me.