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

On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating that I owed them money for opening account # with a fraudulent check in the amount of {$500.00}, demanding that I pay this money back to them in addition to a {$10.00} fee. I contacted them by phone immediately, and was told that someone opened an account in my name. I explained that I never heard of that bank, nor had I ever opened an account with this bank. I asked what recourse I might have. They said I should write them a letter via email, as well as report it to FTC. They also stated that they had already flagged said account for Fraud. 

I reported it to FTC. I called the credit reporting agencies, asked for copies of my report and had my account flagged by the 3 credit unions. I also sent copies of the letter I received from them to XXXX XXXX XXXX  via email. Once again I explained I had never heard of their bank, and did not open this account. I also told them that had they done their due diligence this never would have happened because several years ago my name had been found on the XXXX XXXX therefore my credit had been locked for years. Had they actually attempted to do a credit report before allowing someone to open an account in my name they would have found that the report was locked. 

I received a response from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX ext. XXXX XXXX # : XXXX XXXX XXXX XXXX stated that she had forwarded this information to their Internal Fraud Department for processing. On XX/XX/XXXX I wrote her again requesting that they close this fraudulent account and send me a letter confirming that this account is not mine, and that I am not liable for this account. I also asked that it be removed from my credit report. She replied, " The fraud department will be providing the letter. I have sent this on to them. I do not have an estimated timeframe for exactly when that will occur ''. 

I have yet to receive any such notice, and continue to receive notices from this bank stating the account continues to be overdrawn with a negative balance, and that the account will be closed at XXXX dats, They state that the outstanding balance will be reported to a collection agency and the appropriate credit reporting agencies. 

I would like this account closed immediately. I would like to have a letter acknowledging that this is a fraudulent account for which I am not liable, and I would like assurance that this will not be placed on credit report. Can you please assist me?
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX XXXX XXXX  Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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

I called and talked to them they couldnt find me on any account. 
And this was some charge from ky I explained I live in nc and never have be in any hospital in Ky All they said was my insurance paid a bill there so it belongs to me. 
I explained it again I never been to a hospital or anything in Ky Ask for supervisor and they hung up
Product: Credit reporting or other personal consumer reports

On XXXX I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, Experian, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX  XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

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

****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX   there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : *** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX **XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Home/Office Furnishings ( XXXX ) XXXX _COLLECTIONS OF DEBT : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! This needs to be resolved in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto is in violation

of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Capital One Auto is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit
card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Product: Student loan

I have made multiple calls over the past two months trying to get the SAVE application removed because of the litigation and to continue with the PAYE repayment plan I am currently on. My loans were placed in forbearance in XXXX but I wasn't informed of it until XXXX and not all of my loans were placed in forbearance at the same time. It put me in a paid ahead status which has effected my loan repayments as well. Every time I call MOHELA, I get place on hold for hours and then they disconnect. Today I was on hold since XXXX and they disconnected on me twice, which makes me have to call back get in another 2 hr. que time. I was on hold this last call for three hours before they disconnected. Its pretty ridiculous to be place on hold for an entire day to only be hung up on.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Mortgage

I purchased a property located at XXXX XXXX XXXX ( XXXX  XXXX ), XXXX, HI XXXX with a second-home conventional mortgage loan from Guild Mortgage Company. I put down approximately 15 % on the property as a downpayment in XX/XX/XXXX. I have consistently made on-time payments. After purchasing the property, I made substantial renovations to the condominium and completely renovated the entire property. In XX/XX/XXXX, I sent a letter to Guild Mortgage to request a reappraisal to request the cancellation of the PMI. Guild Mortgage ignored my written requests several times, even though I called them, provided them receipts and photographs of the work done to the property ( before/after ). I then threatened to report them to CFPB if they continued to ignore my requests, they then responded that I needed to pay {$650.00} for a reappraisal of the property based on an appraisal firm of their selection. Now, in XX/XX/XXXX, my LTV ratio is below 80 % of the ORIGINAL value of the propertyeven without a reappraisaland they are again refusing to cancel the PMI and are alleging that the original value of the property was {$280000.00}, and therefore, I am not yet at 80 %. However, {$280000.00} was the original purchase pricenot the original appraised value. 

I am requesting that Guild Mortgage comply with XXXX XXXX servicing guidelines for borrower-initiated removal of the mortgage insurance.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  trying to sell and item and buyer demanded using Zelle. Zelle fraud emails and texts sent saying I must lay money to receive money as my account was being made into a business account. Buyer threatened police were called and Zelle emails stated I would be investigated by the FBI. I called and complained to XXXX  XXXX XXXX that charge is fraud and they said they couldnt help, transferred me to Zelle. Filed report with Zelle, scammed for {$400.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX debt to Alpine Credit in XX/XX/XXXX when they had agreed to resubmit invoice to my insurance company. Turns out their office was closing and it seems that all unpaid bills were automatically submitted even though my was being disputed with insurance company. Debt ( {$460.00} + {$180.00} - same office visit ) was preventative but not approved. 

In XX/XX/XXXX, I completed payment in full. I have repeatedly requested Alpine Credit remove this from my credit report however they refused each time saying it took me too long to pay it therefore will remain on report. 

After repeated requests, XXXX agreed to remove this but only removed the one for {$180.00}. The {$460.00} remains on my credit report as a paid account under collections. 

Now, as I review my XXXX report, it appears that Alpine Credit have submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ), well after the debt was already paid in full. 

In reviewing my XXXX report today, it appears that Alpine Credit also submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ) after the debt was already paid in full. Here it says Collections Report Date : XX/XX/XXXX. I think that may be when they added it to my report. THIS YEAR! 

I believe this was not on my XXXX or XXXX reports a few months ago but I'm not 100 % certain now. 

How can they continue to report a paid debt? I would love your help please to have these removed.
Product: Checking or savings account

Date : XX/XX/XXXX To Whom It May Concern : Identity Theft Affidavit I, XXXX XXXX, am providing this affidavit to report that I have been a victim of identity theft. This document is intended to support my request for the removal of my information from ChexSystems, as detailed in my opt-out letter dated XX/XX/XXXX. 
Personal Information : Full Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Identity Theft : Description of Fraudulent Activity : Unauthorized transactions and/or accounts have been opened in my name. I have also discovered erroneous information on my credit reports that I believe is a result of identity theft. 
Actions Taken : I have reported the identity theft to the Federal Trade Commission ( FTC ) and/or local law enforcement and have received an Identity Theft Report or Police Report. Attached are copies of relevant documents, including the police report and FTC Identity Theft Affidavit, if applicable. 
Declaration : I affirm that I am the victim of identity theft and that the information provided in this affidavit is accurate to the best of my knowledge. I request that ChexSystems remove my personal information from its database and correct any erroneous entries resulting from the fraudulent activity. 
Please contact me at the provided phone number or email address if further information or documentation is needed. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked Experian several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974. 
Regarding XXXX XXXX, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX2023, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to XXXX XXXX, in regards to concerns, I the consumer, had at that point in time. XXXX XXXX did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) XXXX XXXX can not furnish to my report without the written instructions of the consumer to whom it relates. 
Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of 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. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. XXXX XXXX failed to do so. This action by XXXX XXXX is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation  as per the Fair Credit Reporting Act section 611.