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

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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.
Product: Checking or savings account

On XX/XX/XXXX, Citibank retired the online " Financial Tools '' suite that had been available to banking customers since XXXX. They provided minimal notice to users. I have used the tools to categorize and track my banking transactions for the past 10 years, including tracking tax-deductible charitable contributions. The online portal only allows a user to export 18 months worth of transactions in formats like XXXX, XXXX, XXXX, XXXX, and others. On a support call on XX/XX/XXXX, they told me that they will not export transaction history for the past 10 years in any format except a PDF. When I requested an email for a support desk where I could work with someone to get my data exported to one of the non-PDF formats, I was told requests for data older than 18 months are only handled over the phone, and the data will only be sent as PDFs of old statements. I spent many, many hours over the last decade updating and annotating my transaction history data in the Financial Tools system. Now I can not even export it to put it into a different tracking system like XXXX or XXXX. XXXX, XXXX, and other online service providers have features to allow you to export the data associated with your account. Why isn't my bank of 13 years required to do the same?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof from my bank to show that I was never late nor delinquent. I will attach the bank statement from my account with XXXX XXXX XXXXXXXX here. I am asking for all of the late payments to be removed and my account to be listed as never late. Or for the entire XXXX XXXX XXXX account to be removed.
Product: Credit card or prepaid card

We had the opportunity to open a Capital One Spark Business Credit Card when we launched our business, given a {$500.00} credit line in 2017, we've never been late and have always paid on time. Every time I request a credit line increase we got denied for silly reasons like " Monthly Payment Too Low '' however with a small credit line we can't spend much and pay off the balance. We would charge small amounts to not affect the cards utilization rate. 

Now nearly 3 years later, I was approved for a credit line increase for only {$100.00}!! That's sad and disappointing, we make nearly {$200000.00} in business revenue and spend over {$50000.00} on supplies every year. We can't charge ANYTHING to that card because of it's low limit! 

Capital One sees our personal credit is great along with business credit, if they don't have access to our DUNS number I can provide it.
Product: Credit reporting or other personal consumer reports

this account was charged off on the following date { XX/XX/year> } since then the account has been reportedly been updated as a charge-off every month .This is an update in the payment history. A charge-off should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations .you failed to investigate this account properly and your neglect has violated my rights as a consumer. 
I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX  XXXXXXXX XXXX ACCT : XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX 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

I respectfully request the removal of late payment remarks and a shift to a positive status reflecting payments made as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did AIDVANTAGE get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$290.00} ; XXXX XXXX  XXXX Balance : {$3100.00}
Product: Debt collection

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXXXXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of America has violated my rights multiple times. the cfpb has allowed nonsense responses and has allowed bank of American to DEMAND that is stop trying to hold them accountable for their federal crimes. I now posses evidence from the dealership in question not just other banks. this shows how bank of America willfully, deliberately and with premeditation allowed this to happen after I requested evidence multiple time.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an issue related to inaccurate reporting of my XXXX  loan accounts by the three major credit bureaus. On XX/XX/XXXX, I submitted documentation to Equifax, XXXX, and XXXX requesting corrections to the reporting of my XXXX  loan accounts serviced by XXXX and XXXX. Despite this, the inaccuracies remain unaddressed, and I am seeking your intervention to rectify this matter. 

The specific issues involve incorrect reporting of late payments for the following months : Year of XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( All if I missed dates ) These late payments are erroneously recorded across all 17 accounts managed by XXXX and XXXX. 

In reality, I successfully made on-time payments for 10 consecutive years and achieved forgiveness through the XXXX XXXX XXXX XXXX XXXX XXXX ) program. Given my consistent adherence to payment schedules and the subsequent loan forgiveness, the records for all these accounts should reflect " never late '' and " no delinquency. '' The current inaccuracies have caused undue stress and negatively impacted my financial well-being. 

I believe these errors are the result of non-compliance by the loan servicers and request the CFPBs assistance in ensuring that the credit bureaus update these records to accurately reflect my positive payment history. I have attached supporting documentation, including payment records and correspondence with the credit bureaus, to facilitate your review. 

Resolving this matter promptly would greatly alleviate the burden this situation has placed on my life. I appreciate your attention to this matter and your commitment to protecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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
Product: Checking or savings account

i called wells Fargo on XX/XX/XXXX to report my debit card had been used fraudulently and I needed to file a claim. the lady I spoke with went over everything with me and said she had opened the claim and that I would receive a temporary credit while the charges were being disputed. I was told she would sent this to the next dep't and it would be one or two days for the credit. to this date I've not heard nothing or have I received a credit for the disputed transactions. it is my understanding that they have 10 days to issue a credit which is up on the XXXX but the representative should have informed me that it would be 10 days.
Product: Checking or savings account

I need to see video of my Tuesday, XX/XX/2022 visit from XXXX XXXX  to XXXX XXXX at the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX. I made a deposit but the teller unusually asked for my ID and I explained I was making a deposit because Chase removed ( stole ) my account online without notice claiming it was inactive. The teller asked me to wait and unnecessarily instructed me to see the banker. The banker said the account was still dormant despite the deposit and unnecessarily instructed me to blindly enter my social security number in the computer even though she already had my ID and deposit slip and I mentioned I had my Chase credit card and bank statements with me!!! My ID and bank statements may have been compromised as they were exposed for an extended period of time and the banker left the office while I was messaging Chase on my phone. She even asked me if I work in the area and if I work at home!! Both the banker and the branch manager refused to provide a printed confirmation!!!! 

Since the deposit slip didn't include the balance, I asked for the balance but the teller gave the balances for my other accounts instead of the one I asked for and it didn't even include the prior balance before the deposit!!!! 

Chase stole my account without any notice but thankfully I noticed this savings account wasn't appearing on my online accounts though Chase still hasn't apologized, explained, compensated, ensured the security of my accounts!!!! Chase even further aggravated and forced me to jeopardize my health, safety, privacy, security in addition to my ID, accounts, and all with time and energy I don't have!!!!

Please note their fraudulent practices include withholding their company name so I have no idea whether it is JP Morgan Chase or Criminal Fraud
Product: Checking or savings account

The details were released about a month after Wells Fargo entered into an agreement with the CFPB just before XXXX 2022. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to a victims relief fund as part of a civil penalty.
Product: Student loan

MOHELA has been processing my income driven repayment plan paperwork since XXXX. I requested to be placed on the new SAVE plan, and I have been placed on the incorrect ICR plan with high payments. I have tried to speak with a representative about my high payments, and they just said that I need to make the payments while the paperwork is being processed. I was temporarily placed on an adminstrative forbearance, but my issues were not resolved during this time. I don't understand why this company was chosen by our government to handle public service loan forgiveness. They have proven themselves to be incompetent and XXXX XXXX to handle the situation.
Product: Mortgage

REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. 
We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. 

The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.
Product: Debt collection

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX on my XXXX file. I requested they prove the debt was valid and accurate. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting and verifying a bankruptcy on my credit report. I have been a victim of various data breaches and this is an ongoing problem. The bankruptcy is incorrect, as well as, the personal information attached to it. Additionally, the incorrect bankruptcy is jeopardizing my line of work. In my field, we are required to have good credit to obtain and maintain employment. I take my credit report and this matter very seriously. This situation is causing me undue stress, defaming my character, and jeopardizing my ability to provide for my family. Lexis Nexis has violated my right to privacy by reporting this bankruptcy without my permission, failed to conduct a proper investigation, and has failed to correct the situation.
Product: Credit reporting or other personal consumer reports

I am filing this report because my personal information has been exposed in a data breach, leading to unauthorized use of my identity and financial harm. I became aware of the breach on when I noticed suspicious activity, such filing unlawful items on my credit report. 

The breach has resulted in, damage to my credit score, unauthorized purchases, harassment by debt XXXX for debts that are not mine. I did not authorize these actions or provide consent for any entity to access or use my personal information in this way. 

Despite my attempts to resolve these issues directly with the credit reporting agencies and creditors, the inaccuracies and fraudulent activity persist. I have sent dispute letters requesting the deletion of these accounts and erroneous data, but the responses have been inadequate or non-compliant with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned about the security of my personal information and the long-term effects of this breach. This situation has caused significant stress, financial harm, and damage to my creditworthiness. I have been denied credit, faced higher interest rates, and spent countless hours trying to rectify the situation. 

I am requesting the assistance of the Federal Trade Commission and the relevant authorities to investigate this breach, ensure compliance with consumer protection laws, and help me restore my financial integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments 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 FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. XXXX incorrectly reports 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while XXXX and TransUnion report late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. TransUnion and XXXX list a high balance of {$30000.00}, while XXXX shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. XXXX inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
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The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?
Product: Debt collection

Debt collectors are calling my phone numbers for someone else 's debts.
Product: Debt collection

I filed a complaint with IdentityTheft.GOV and reported I had my identity stolen in a few data breeches. One occurring from the VA and XXXX. I printed off a letter from the government website and sent it to USAA but they did not respond or remove from my credit report. I dont know what else to do as they dont respond and keep reporting a debt that is not mine. They are claiming I neglected to pay {$1200.00} for a fraudulent account that I disputed many many times.