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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

My account has been restricted from withdrawing my funds. They dont t reply or lift the restriction.
Product: Checking or savings account

Overdraft fees charged, banking with Navy Federal XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company, Penn Credit Corporation sent me, XXXX XXXX a letter demanding payment for a debt that they claim I owe them. I sent that company a letter requesting validation of competent evidence to support their claim that I owe them anything. They have failed to do so. Meanwhile, they have an illegal entry on my consumer report claiming that I owe them money, when I have no clue of who this company is at all. I will attach correspondence between this company and myself. This debt has been removed from my consumer report previously and now has been reinserted with no warning at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XXXX XXXX Experian are incorrectly reporting the account XXXX Account XXXX XXXX which is reporting as a charge off/collection. This is not accurate and furthermore XXXX is not reporting the account so what XXXX and Experian have to validate this information. I have previously disputed this same information and it came back verified I would like to know how the information was verified and what investigation was done to determine the claim. Credit card issuers are insured and do not incur a loss so if the account is charged off then the insurance has paid any deficiencies and this account is considered settled.
Product: Checking or savings account

I opened my account and transferred {$15000.00} on XX/XX/XXXX for a promotion giving {$400.00} plus {$100.00} to maintain the balance 60 days and have direct deposits. I began using the funds below {$15000.00} on XX/XX/XXXX and was told that was the 60th day. When I followed up approximately a month later they said I didn't qualify because of how they count 60 days. Clearly I would have waited ONE day if I wasn't told otherwise. Trying to resolve other issues I have had with this company has been more than challenging due to long hold times only to be transferred and then disconnected. My last attempt was XX/XX/XXXX. I was told I needed to wait until XX/XX/XXXX and I only maintained the balance until XXXX, XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

Wages were garnished in XXXX on a debt from XXXX. I went to court, proved the debt was paid and the garnishment was quashed. In XX/XX/XXXX I was notified this debt was sold again and they are attempting to collect on it
Product: Credit card

The Credit Control , LLC put a debt collection on my credit report. I have no idea what this debt is so I sent them a certified letter requesting a 1099 C form to prove it's existence. Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed two fraudulent accounts on my credit report. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I submitted dispute equifax began reporting bright star as open When it was previously closed I submitted an ftc report along with my formal dispute vis USPS certified mail.. 

THEY REFUSED TO DELETE ACCOUNTS although I have provided proper proof
Product: Checking or savings account

Opened an on line savings account with XXXX in XXXX, 2023. Promotion included a {$100.00} bonus if the account remained active for 90 days. Never paid by XXXX and they refuse to live up to their promotion, account still open.
Product: Debt collection

My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from Alpha Recovery Corp. Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the Alpha recovery Corp., on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!
Product: Credit card or prepaid card

XX/XX/2018 a letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX to my attention regarding a denied application for a XXXX Credit Card. I never applied for a XXXX credit card and do not need another negative mark on my credit showing that I was seeking a credit line when I never did. The company does not list a number to call to correct this issue and only states to contact them via post. Not only is this fraud, but they've made it incredibly impossible to communicate with them. 
I want this inquiry removed from my credit and I believe XXXX XXXXk should have to list a customer service number in order to avoid any UDAAP issues in their future.
Product: Debt collection

My information was used without my permission. This card is not mine and I never requested it. My information was brunch in several places. XXXX, XXXX XXXX,
Product: Debt collection

For several months I have been trying to get XXXX to have XXXX XXXX XXXX to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that XXXX charged off in 2009. XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from XXXX XXXX XXXX or XXXX as an attachment to an email. My email address is XXXXXXXXXXXX
Product: Vehicle loan or lease

IN XX/XX/2021 BMW FINANCIAL REPORTED MY CAR LOAN LATE AND OPEN WHEN IN FACT I HAVE NEVER PAID ANYTHING LATE ON MY CREDIT AND THAT VEHICLE CAR LOAN IS PAID IN FULL AND CLOSED BUT IT IS REFLECTING AS OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old fraudulent item reappearing and already been removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have a HELOC with US BANK. I am participating in their hardship program. I have been in contact with US Bank for several months regarding my account. 
Earlier this year I informed US Bank I was going to apply for the HAF program as soon as it opens for applications in ND, where I reside. In XX/XX/2022 I applied to the program and was accepted pending mortgage statements from US Bank. I have requested mortgage statements on several occasions. XX/XX/2022 I spoke to a customer service rep requesting this information. I was transferred to a few different departments trying to speak to the people who could assist me. I was told my account couldn't be found but I would be connected with someone who could help. I contacted US Bank in XXXX and XXXX and was assured my statements would be mailed. I do not have dates for these calls. I called and spoke to an employee on XX/XX/XXXX and was again told the statements would be mailed. We discussed the HAF program, and I stressed the importance of submitting this final piece of information. On XX/XX/XXXX I contacted the bank again requesting my statements. Today is XX/XX/XXXX, after waiting for the day 's mail to arrive and no statements I decided to file here. USBank employees were all very professional and courteous, it just seemed like they were unclear on what department was doing what. I have been served with a summons and complaint for foreclosure. I was informed by US Bank that the summons was dismissed due to my participation In HAF. I am very fearful of losing this funding because of this paperwork and in turn losing my home. Thank You for your time.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan from XXXX XXXX around XXXX of 2024 for {$800.00}. They were taking out {$150.00} biweekly from my account and I was told today that I still owed {$920.00} when that was more than the initial loan. When I checked last week the payoff was {$810.00}. I called and was told I am being charged {$10.00} interest everyday that I dont pay, but have never missed any payments since acquiring this loan. This is totally unacceptable, I was told that I still had 21 payments left and I dont believe thats true, I believe they will still try to add on more interest and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

United Collection Bureau calling one of my family members on XX/XX/2020 at XXXX XXXX. over a debt that is not theirs or I don't know what they are talking about, This company keep asking my for my name, birthdate, and the last 4 of my SS number without them telling me where they are located and anything about their company. They have violated Fair Debt Collection Practices Act. They violated section 804. Acquisition of location information I called them on XX/XX/2020 a lady name XXXX answered the phone I ask XXXX for their location and what did UCB stand for she told me that she did not their address and XXXX told me what UCB stood for. XXXX put me on hold the next thing I know a supervisor name XXXX XXXX to me to XXXX them and he was not going to tell me where this UCB was located I found out they are United Collection Bureau I respectfully request that you provide me with the following : 809. Validation of debts I'm requesting ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that notifies the me the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

( 5 ) A written request statement within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor.

( 6 ) Proof that your are licensed to collect debts in Indiana.

( 7 ) Proof of the last payment made on the account debt you call about.

I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights.

I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights. 
Because I am disputing this debt in writing within my 30 days as of XX/XX/2020 after my first ever contact with XXXX, and supervisor XXXX XXXX from United Collection Bureau. You must obtain verification of debt against me and mail these items to me at your expense. You can not add interest or fees and any attempt to collect this debt without validation, it violated the Fair Debt Collection Practices Act If you have already reported this debt to any credit-reporting agency or credit bureau then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card

Without my knowledge or consent, Wells Fargo Rewards program redeemed over XXXX points that I had been saving since XXXX just as we were going to use them to take 4 members of the family on a trip. This occurred on XX/XX/XXXX. They had redeemed XXXX points on XX/XX/XXXX. That last one I had agreed to. That is, I agreed that a maximum of XXXX points ( and no more ) could be redeemed if I was about to lose them on a particular month. But I would never have agreed to the entire account would be redeemed, especially since we were about to use those points. 
I tried many times to have my hard-earned points reinstated without success. Someone in the XXXX took all my calls. Their English skills were almost unintelligible, so I asked for a supervisor and was told there was none. I have called many times to local, State, and national Wells Fargo offices and they have either hung up ( often after keeping me waiting 20 to 40 minutes ) or sent me to another robot. 
Wells Fargo has sent me papers indicating we could settle this via arbitration. I don't trust them. They have screwed us ( my wife and I and daughter ) several times before with their greedy and unlawful practices. My wife and daughter will no longer deal with them. A simple request from a decades-long customer to simply restore our points is dragging on. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled a temporary lift of my credit freeze last year. I scheduled it for 7 days, ending XX/XX/XXXX. Equifax still shows the account as unfrozen through XX/XX/XXXX. That was 3 months ago. 

They will not let me freeze my credit. 

They make phone numbers hard to find and then the numbers lead right back to " do it yourself '' - but i can not. Real customer service is only for paying customers. 

They already burned me by exposing my data in XXXX, they should be more interested in protecting people before asking us to pay them more.
Product: Mortgage

I am a victim of hurricane XXXX. I called my mortgage co the week of XXXX XXXX on the process for my damage house. They advised me to mail in my check from insurance to them both on it and then they would disperse funds back within 4-7 days. Last week I mailed the insurance check and verified if they had received and was told no. Then told by another person at mortgage co the process would take 4-5 days to review then around 7 days to mail the check. Then I look online later and receipt for my insurance check had been received. Now I called today to start paying for repairs, and my file has not been approved yet. I asked for a manager to call me last week and no one called then today I asked for a manager to call me and still nothing. I need to pay for the expenses incurred now not later.
It 's amazing they have cashed my check getting insurance on my money ( insurance funds ) and I ca n't even get to pay my bills for repairs. I do n't have an escrow with them even. I have paid my taxes and insurance seperately. This process is ridiculous. I have always paid my insurance and home mortgage on time now when I need them they will not pay me my insurance funds to fix my house.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a violation of my consumer rights by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  which conducted an unauthorized inquiry on my credit report. This action contravenes my rights under the following consumer protection laws : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Under this statute, entities are only permitted to access a consumer 's credit report with express authorization or a permissible purpose, such as an existing credit relationship or a court order. In this instance, XXXX XXXX conducted a hard inquiry without my authorization or a valid permissible purpose. 
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692e The FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. Initiating a hard inquiry without my consent constitutes both an abusive practice and a misrepresentation of their legal rights.

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this violation of my rights. 

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

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. TransUnion is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and XXXX is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between TransUnion and XXXX / XXXX. High Credit Amount is different between XXXX and TransUnion / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX  XXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for TransUnion, XXXX is showing XX/XX/2022, and XXXX is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.