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

Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the account listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX Validate Account XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information. 

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent. 

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2019, my husband XXXX and I were required to close our previous checking account number ending in XXXX due to compromised identity of our checking account. We established a new account with the same bank, and as an extra security setting, we removed auto pay for all of our utilities and mortgage payments. In turn, a payment of XXXX was denied on XX/XX/2019 to Carrington as the revocation letter of the ACH didn't have time to arrive before the payment was processed. In turn, 2 checks in the amount of {$500.00} were mailed and cleared on XX/XX/XXXX and XXXX to cover the mortgage payment. These checks were sent by BillPay through our banking for security reasons. However, on XX/XX/2019, an ACH of XXXX was withdrawn from our NEW checking account without any approval. When verifying the checking account Carrington had on file, it shows as XXXX ( old closed account ). 

On XX/XX/2019 a dispute was filed with our bank of unauthorized ACH and began the process of getting the payment of XXXX refunded as this resulted in over draft fees. In turn, the bank also showed where Carrington directly requested funds from our new account, and not the old XXXX. At no time nor place, did we authorize Carrington to use our new checking account for any ACH withdrawals. They took the account number from the bottom of the checks mailed to them with our payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security XXXX Date of Birth XXXX XXXXXX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I am filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.
Product: Mortgage

I am advised the CFPB reached a settlement with Well Fargo regarding their foreclosure process. I believe I am entitled to receive settlement monies. I writing in regard to when the settlement amount will be received. 

My previous compliant numbers filed with CFPB are as follows : XXXX XXXX XXXX XXXX It seems that my Wells Fargo continue the foreclosure process when they no longer owned the mortgage. I no longer own the property. My new address is XXXX XXXX XXXX XXXX New York XXXX. 

My name is XXXX XXXX and my cell phone number is XXXX XXXX XXXX
Product: Checking or savings account

I had an account with Navy Federal bank in XXXX. I made a purchase at a car dealership on XX/XX/XXXX. The car dealer owner told me to put a deposit down of amount of {$3000.00}. I made a purchase of {$2500.00} with taxes with my Navy Federal debit card and the other {$500.00} with my cash app card. I never signed no contract with the dealership only gave them a copy of my id. They told me the car will be at the dealer the next day. I get to the car dealership no car was there. I ask where is the owner who told me that the car would be there. The worker stated he is out of town. I came back again the next day again no Owner was there. I call and contact the owner no respond. I made this dispute with my bank Navy Federal right away. I let them know I was scam out of my money and I want to do a dispute against the car dealership names XXXX XXXX XXXX XXXX XXXX XXXX. I did a appeal another dispute before it went to charge off. Navy Federal fail to do a investigation properly and never looked over the documents that the merchant sent them. The merchant sent over a contract that do not have my name on it. The contract they sent for proof was for some one else name XXXX XXXX. Navy Federal investigator never looked at the merchant documents. They took the credit back and made my account over drown for the amount of {$2900.00} dollars. I been contacting Navy Federal over a year about this and they still did not follow the law of doing a investigation. I contact them again today on XX/XX/XXXX and spoke with the fraud department. As I was on the phone with the fraud department supervisor, they were contacting the investigator as I waited and the phone. The fraud supervisor wrote the investigator and asked them why did they not look over the documents the merchant sent when my name is no where on the contract. The investigator said that by its been over a year and that it is now in charge off that they can not do any thing. So the fraud department supervisor wrote them back and stated but she did put in a dispute when it first happen before it went to charge off. She also told them that they did not investigate the document so that I can get my refund back. The investigator stated it was not his decision, it was the VISA company decision and to contact them to see why they would decline. I contact the VISA company they stated that they did not receive no documents from Navy Federal and that my information is not in their system to contact Navy Federal about the dispute. I contact Navy Federal again and spoke with fraud department supervisor again and she contact the investigator again and let them know what the Visa company stated. The investigator respond and said they apologize but they cant move forward. The supervisor told them that they should have investigate the first dispute which is documented before it went to charge off. She also told them that its been over a year and no one looked over the documents. The investigator told her that he was not the one who look over it that it was another investigator who had the case. She told me to do another complain to the CFPB soon as possible.
Product: Debt collection

XXXX XXXX. A rental merchandise.company. Has hired a collection company name Vance and Huffman to collect a debit that is not owed to them XXXX XXXX. Refused to up hold their contract policy. After they were contacted in XX/XX/2018 to come and get merchandise as we had a right to request as stated in XXXX XXXX contract merchandise XXXX XXXX refused to after we repeatedly called them the property owner at XXXX XXXX waited for XXXX XXXX  to come and get the merchandise For 30 days we contacted XXXX on XX/XX/2018 because XXXX XXXX had not showed up to collect the merchandise AND AWARED THEM THAT THE merchandise, WAS RETURNED AND DROPED OFF AT THE STORE XXXX XXXX  WAS CALLED AND EMAILED ABOUT THE merchandise, AND REFUSED TO SEND A FINAL BILL OUT FOR ANY AMOUT STILL OWED AS stated in their own contract that I have attached below under the lease term and payments sentence ( 3 ) YOU CAN RETURN THE PROPERTY TO US WITH NO FURTHER OBLIGATION EXCEPT FOR ANY PAST DUE PAYMENTS DUE XXXX XXXX IS ILLEGALLY TRYING COLLECT AND DESTROY MY CREDIT AND ALSO MY CREDIT WORTHLESS WITH THE ILLEGAL
Product: Bank account or service

I was reviewing my yearly credit report from XXXX when i noticed that on XX/XX/2016 Santander Bank access my credit without my knowledge or permission. I contacted them via certified mail, expressing my concerns about unlawfully running my credit and i have not receive any response. They received my letter on XX/XX/2016
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I

DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 
I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 
15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 
15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX  ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit card or prepaid card

I received a promotional offer in the mail in XXXX from American Express and was given a credit card with a {$14000.00} spending limit. I had the credit card for 1 year and AMEX abruptly without notice reduced mt credit limit to {$7000.00} in XX/XX/XXXX. I was harassed and told to pay {$3500.00} or to submit supporting documents reflecting additional income. I was never allowed to submit these supporting documents and their credit line department closed my appeal case and denied restoring my credit increase. 
I have called AMEX over 40 times and every time I need to explain the situation and am being told that my appeal is already closed and they can not do anything. One associate told me just simply to apply for a credit increase in which I  did and was denied and given multiple reasons as to why i was denied ( the letter was generic and DID NOT specify reasons for my specific denial decision. I requested a Manuel Review and that too was denied because they were looking at information from XXXX! I have been told multiple times by AMEX employees in other countries i.e. XXXX, XXXX, that the underwriting team in the United Stated made that decisions and that that department does not nor will not speak to a consumer. 
Please help me! 
I need to restore credit limit. This has affected my life significantly. My credit score dropped nearly 100 points because of their unethical actions. By increasing my credit limit, this would allow for my credit score to go back up and allow me to buy a home for my XXXX small children and myself. AMEX has ruined my life! I was NEVER allowed to submit supporting documents. I feel bullied and emotionally have been thrown around by this credit card company and their lies of manipulation!
Product: Money transfer, virtual currency, or money service

I made two separate XXXX fund transfers of {$300.00} each for a total of {$600.00} to a person on XXXX on XX/XX/XXXX. I was charged {$600.00}, but the payee only received {$300.00}. {$300.00} was lost in transit. 

On XX/XX/XXXX I made three XXXX money transfers of {$300.00} each for a total of {$900.00}. I was charged {$900.00} but the payee only received {$300.00}. {$600.00} was lost in transit. 

I have contacted XXXX numerous times requesting a refund without results. The payee has also contacted XXXX numerous times to confirm they only received a total of {$600.00} although I sent and was charged a total of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX Day Demand XX/XX/2021
Product: Student loan

XX/XX/2017 shows ineligible for PSLF due to forbearance that was placed on my account. I did not request this forbearance. At the time, FedLoan servicer representative assured me that this month will count towards PSLF and that forbearance will benefit me due to issues with re-certification that year. I request that Fedloan servicing pulls that phone call and they listen to it. 
I request that this month counts towards PSLF as an eligible month. 

My second issue : I requested that period of full time public service combined with period of in-school deferment be counted towards PSLF. Fedloan servicing does not show anything on my account from XXXX. During this time I worked for a qualified employer so I am requesting that this period counts towards PSLF under the Limited Time Waiver.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting or other personal consumer reports

Someone used my Social Security Number to open a XXXX XXXX account in 2019. At an address I have not lived at.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question CAF XXXX has been causing me significant stress and anxiety as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a hard working individual that is trying to restore my life after post pandemic. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated according to this law. I demand that the accounts below be removed from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission or consent to furnish these account.

Accounts : XXXXXXXX XXXX amount:XXXX XXXX  date open : XXXX XXXX XXXXXXXX XXXX. date open : XX/XX/XXXX XXXXXXXX XXXX date open : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I was charged 9 unauthorized and unknown charges on XX/XX/2023. Each charge was {$38.00}. I also received 9 charges unauthorized and unknown of {$1.00} on XX/XX/2023. All of these charges were from a company called XXXX XXXX, which I have never heard of. I called my bank, Chase Bank, on the same day, XX/XX/2023, and reported these charges. They temporarily refunded these charges while they launched an investigation. 

Then, today, XX/XX/2023, the bank reverts their refund and re-charges me a total of {$340.00}, the accumulated amount of the {$38.00} charges. When I call to ask for an explanation, they say that the original charge was made using XXXX XXXX, which I offered to provide them the receipts of because I did not have any XXXX XXXX  charges. They say that they didn't see anyone new add my card using XXXX XXXX, so they could not prove that this was fraud and then charged me the {$340.00}. I did not make these charges and no one else has access to my card via XXXX XXXX, and they now deleted my card off of XXXX XXXX so that I can not access my transaction history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-affiliated third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).