23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a XXXX XXXX XXXX customer I ended my relationship with XXXX on XXXX of XXXX I was told over the phone after I paid the rest of my balance that I did not owe any money then they wanted me to pay the whole premium for the next 6 months I declined and decided to go with another insurance company but again my balance on that call was paid in full. I received a letter of XX/XX/XXXX about a payment owed and they would cancel my policy which I assumed was in error as my policy was already canceled back in XXXX and I owed no money. After the 2nd letter I decided to email XXXX because I was confused because I didnt owe any money they said it was a payment from XXXX of XXXX. Which was odd since it was a year later since I made that payment and again my policy was paid satisfactory at the end of the premium. I would like to have it on record that I do not owe the money as I had paid the amount. After on email telling them that I was not going to pay another dime towards their company as it was already paid and not to contact me again the company sent it to the credit company credit collection services. I received a letter today regarding it and they threatened to send it to my credit report after I had informed the person of this situation in attempt to dispute it. I also wrote a letter to dispute it as I do not owe the money they are referring to. The reference number is XXXX their phone number is XXXX XXXX XXXX address to creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their email is XXXX I would again thank your for your time looking into the matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the XXXXXXXX XXXX  credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( XXXX XXXX : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an item that appears on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am requesting that you investigate the following entry for accuracy and remove it if it is found to be incorrect or unverifiable. 
Disputed Item Details : Account Name : Portfolio Recovery Date of Entry : XX/XX/XXXX Amount : {$470.00} I have reviewed my records and believe this information is inaccurate for the following reasons : [ Provide a clear explanation of why the information is inaccurate or should be removed. For example, it could be due to a late payment that was reported inaccurately, an account that was paid off but still shows as open or active, or a fraudulent account you did not open. ] According to the FCRA, specifically under Section 1681c, information that is found to be inaccurate, incomplete, or unverifiable must be corrected or removed from my credit report. Since the information in question is not accurate, I request that you remove it from my credit report and provide me with written confirmation of this action. 
I have enclosed any relevant documentation that supports my claim, including [ list of documents, such as payment receipts, bank statements, or correspondence with the creditor ]. If additional information is required, please inform me as soon as possible so that I may provide it.

Please complete your investigation within the 30-day period required by law and notify me of the results of your findings. Additionally, I request that you send me a copy of my updated credit report once the disputed item has been addressed.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue in accordance with the Fair Credit Reporting Act. 

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

On XX/XX/2023 I sent a certified letter to Equifax regarding fraudulent credit inquiries that are on my consumer report. To date, I have yet to receive a response from them, which I'm entitled to by law.
Product: Debt collection

My Protected Health Information ( PHI ) was disclosed to AMERICOLLECT without my authorization. By disclosing such private information, AMERICOLLECT obtained individually identifiable information about me, my health condition, and private information regarding my treatment. AMERICOLLECT 's unauthorized access to this information is a violation of HIPPA and also a violation of the FCRA as my right to privacy was infringed upon.

AMERICOLLECT then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. I received an unconsented call from a ( XXXX ) XXXX number on XX/XX/XXXX at XXXX from XXXX XXXX ID Number XXXX ) stating that she's attempting to collect a debt and requested a call back at XXXX. The FDCPA prohibits such behavior from debt collectors.
Product: Money transfer, virtual currency, or money service

Someone stole cXXXX XXXX XXXX check an the deposited it at 5/3rd bank someone forged my signature
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I attempted to report fraud and a scam to XXXX XXXX which they refused to acknowledge and investigate despite my offering to provide the fraudster 's SSN and passport information. The initial payment to my account by this unauthorized user on my account occurred on XX/XX/XXXX, and was not identified by XXXX XXXX as fraudulent and reversed until XX/XX/XXXX, which was 37 days later even though it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this period of 37 days, XXXX XXXX XXXX XXXXXXXX indications that there was any problem with this payment. 
On XX/XX/XXXX, XXXX XXXX closed this account and two other accounts that I had with them that had been satisfactorily maintained since they were opened in XXXX XXXX XXXX XXXX XXXX 
I paid off all of the personal charges on my account over the next several months and then they began reporting me as delinquent. 
XXXX XXXX filed a suit for collection against me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested it be dismissed since XXXX XXXX had aided and abetted in the fraud perpetrated on me and my mom provided additional information to the mediator since I am XXXX. Rather than respond XXXX XXXX requested and was granted on XX/XX/XXXX, an order of dismissal without prejudice. The outstanding fraudulent balance which has increased to {$18000.00} and all of the months of late payments remain on my credit report even though XXXX XXXX is no longer reporting any information to the three credit bureaus. I wish to have all negative information removed if XXXX XXXX refuses to do a fraud investigation.
Product: Credit reporting

EQUIFAX is refusing to correct the release date for a state tax lien. I submitted the documents showing the correct release date of XXXX. On the reinvestigation report, EQUIFAX stated that the release date had been updated to XXXX as of today, it is still being reported XXXX which is incorrect. This lien has been paid on XXXX and has met the 7 year Statue of Limitations and should be removed from my credit report.
Product: Mortgage

I paid more double more than I should have paid. Wells Fargo knows they opened to accounts without. A word which should be used more often. Wells Fargo is very good at " Gaslighting '' and that is exactly what they did to me. When I was at my lowest point in my life, the loan officer, XXXX XXXX knew it. She just told me to sign sign and sign even when I asked questions and gave me inconclusive answer on the structure of the HELOC. Because she gained my trust and I believed. her. Every answer I received from Wells Fargo employees were just as confused as me. 


They did not respond to my last inquiry regarding mediation and to finalize the part where it was XXXX to Wells Fargo. They informed me they will contact me, there was an initial contact and then I never heard from them again. Even though they informed me they will finalize and settle this account due to their wrong doing of having 2 account numbers and without disclosing to me proper procedures I want this case to be finalized and where they reimburse me the amount I paid to them to close my HELOC so I do not lose my home. 

They can reimburse me the amount I paid them, minus the XXXX they paid to me to settle one of the complaints I made against. them. 

Wells Fargo should swallow their pride and know their wrongdoing and reimburse me {$61000.00} ( XXXX XXXX XXXX dollars ). 

This is in good faith from Wells Fargo to XXXX. XXXX XXXX XXXX. 

There are dirty employees who will lie, steal and cheat and sorry that Wells Fargo had to incorporate these employees into their system so they would not fear of losing their job and meet their quota. 

Honesty and Trust is far greater than greed and being number one.

I will be waiting to hear from Wells Fargo to finalize the mistrust and " Gaslighting '' they imposed on me and my mental status. 

Wells Fargo truly hurt me financially and mentally and that is far greater than physical. 



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Product: Bank account or service

I signed up for a Citibank gold checking promotion that offered XXXX XXXX XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I sent the following secure message to Citi to confirm that I had successfully completed the Citigold checking promotion. 

Account Number : Interest Checking XXXX Subject : Promotional Offer Reference : XXXX Hello, I wanted to confirm that my account has fully completed the requirements for the XXXX AAdvantage miles from the promotion I signed up for the citigold checking account. 

With the two bill pays and {$1000.00} debit transactions completed, please credit my AA account # XXXX. 

Regards, XXXX XXXX XXXX : XXXX Citibank then confirmed via a secure message that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. 
More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than {$120.00} in account fees to keep the account open until the points had posted.
Product: Student loan

Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to Equifax, XXXX, and XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.
Product: Checking or savings account

I entered the branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 at about XXXX to open two business checking accounts. 

I eventually spoke with the branch manager, XXXX XXXX, who said I couldn't open a business bank account then because the person that handles that wasn't working then. 

I asked her why couldn't someone else open the account, she just repeated that the person that does it wasn't available. 

Eventually, I had to schedule an appointment at a different branch because I didn't feel like XXXX XXXX was taking my interest in opening an account with Chase seriously.
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 Bank Account # XXXX CREDIT LIMIT XXXX, XXXX NOT ACCOUNT NUMBER CREDIT LIMIT XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 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 ( 1 ) 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- ( 1 ) 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.
Product: Debt collection

divorced and debt was resolved in bankruptcy would like this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In fall XXXX I had placed on my credit report from Account Resolution Center a medical collection debt on my credit reports with XXXX, XXXX and Equifax. I disputed the validation of the debt with the agencies. XXXX and XXXX deemed that after Account Resolution Center provided them only a copy of their own internal account link and debt number where I never created any account with them nor provide any of my personal information with this agency had it deleted. Equifax however viewed it as being valid even though I was never provided any documentation proving the debt is mine. I have sent a personal statement contesting the investigation on XX/XX/XXXX via certified mail which as of XX/XX/XXXX I have had no follow up.
Product: Credit card

On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX  number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I disputed several hard inquiries with Equifax that were found to be unauthorized, the dispute was completed the same day and said to be legitimate. XX/XX/22 I submit another dispute to Equifax along with a FCRA section XXXX letter listing multiple inquiries and asking Equifax to complete an investigation, also sending me documentation of my signature authorizing these inquiries and if they could not provide me with those documents along with the name and address of the entity making the inquiries.. and if they could not do so to immediately remove them from my report. The investigation was completed merely hours later, no proof, no signature, and once again 0ver XXXX unauthorized inquiries that I do not deserve to have left on my report. Ive worked very hard to get my credit profile to what it was. My XXXX old daughter was tragically killed in a fatal car crash so some funding to help With expenses would have been more than helpful during this time, every denial for financing comes with XXXX of the reasons listed for denial being too many inquiries. It is my right under section XXXX for reports to be accurate, it also violates my rights to privacy. Equifax done no investigation. Anyone can apply for credit with someone elses name if they know their identifying information, Im this case I believe it was a family member but still not my inquiry and I demand that they be removed. It should be on Equifax to prove they were authorized, wheres the proof? Its unjust and in very poor business practices to simply assume by XXXX XXXX information that everything on the report is 100 % factual and Im sick of their generic responses to m requests. 

Your immediate attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN INQUIRY ON MY CREDIT REPORT FROM CHASE BANK ON XX/XX/2019 FOR MORTGAGE. THIS IS AN ERROR OR FALSE REPORT ON MY CREDIT REPORT. THIS WAS NEVER AUTHORIZED OR REQUESTED BY ME. I HAVE CONTACTED CHASE BANK ON SEVERAL OCCASION TO HAVE THIS REMOVE FROM MY FILE AND THEIR HAVE FAILED TO FIX THE ERROR. THEY ALSO ADVISE THAT I SEND A LETTER T THEIR OFFICE AND FAX. 

CHASE CUSTOMER SERVICE INQUIRIES MAIL CODE : XXXX XXXX XXXX XXXX XXXX, LA XXXX FAX : XXXX i HAVE DONE EVERYTHING AND GOTTEN NO RESPONSE OR REPLY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXXXXXX  DOB : XX/XX/year>XXXX  TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Debt collection

I have a charged-off credit card with Citi Bank which is past the statutes of limitations per the state of Texas. I never received the 1099-C from Citi Bank and they continue to report a charged-off account that is past its collection time frame and neglect to send me the 1099-C to send to the IRS.