23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX # XXXX, XXXX # XXXX, Midlan Funding # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX, XXXX XXXX de 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 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: Credit reporting, credit repair services, or other personal consumer reports

2nd ATTEMPT- Accounts # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Are Showing a LATE PAYMENT/CLOSED ( can NOT be both ) on my credit report.. 
The Credit bureaus stated my account was properly investigated but how is that possible the date last active is inaccurate, and date last reported is not accurate. This ground for removal ..SO MANY OF MY RIGHTS HAVE BEEN VIOLATED!!!! 
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 Also the Credit bureaus took more than 30 days to complete my investigation In accordance with the fair credit Reporting act XXXX Account # XXXX XXXXXXXXXXXXXX has violated my rights. 
15 USC 1666B -states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
15 USC 1681 B - permissible purpose of consumer reports 15 USC 1666 - CORRECTION OF BILLING ERRORS
Product: Debt collection

I had XXXX XXXX in XX/XX/XXXX. To remove the XXXX  I had XXXX   but I believe most of this debt is from that and a little from some XXXX work I had shortly after the XXXX. I admit to both of these debts and realize its my fault for being at the point I am at now. After the XXXX and XXXX  work I had to miss over 10 weeks of work last year and occurred more medical expenses at that point for my treatment which I also still owe on and is still accruing. I am asking for some human factor from the firm and stopping the wage garnishment. I took out a loan on my 401k, which is now maxed out, and was supposed to get a little over {$1400.00} but only received around {$1000.00}. Then later that week I received my paycheck and it was significantly less than normal and at that point I realized I was being garnished over all of this. I called the firm and they had my address for XXXX, IA where I moved out of at the beginning of XX/XX/XXXX.  The lady I spoke with at the firm said they normally wont release a garnishment unless its paid off. Its their internal policy and I realize that it costs money to have to file that and everything else they have filed. I am okay with paying all those fees and all the other costs I have occurred from the lawsuit having to be filed. Had I know I was going to be garnished I would do anything to stop it. There was a reason I was borrowing against the last funds in my 401k, which 1/4 of that is already being held for the firm, I can not afford any of my bills. I am currently selling my truck which I bought in XX/XX/XXXX before all of my medical issues started so I can pay off all of the medical debt I have incurred as well as all the other debt from missing work. I am willing to pay the firm {$300.00} a month until the balance is paid in full including any new court costs incurred. The balance is around $ 2300-2400 right now which is well less than a year to pay off this debt that I didnt ask for.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the infoermation is foubd to be inaccurate or incomplete or can not ber verified, the consumer reporeting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiuate based on the results of the reinvestigation; and ( ii ) promptly noyify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items freom my credit report, immediately. 

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

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX
Product: Debt collection

Company Name : Resurgent/LVNV Funding Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my XXXX  account to get an update credit score and noticed that Resurgent /LVNV funding a company I do not recognize for an amount of {$610.00} on XX/XX/XXXX. I have no idea who this company is. I never have them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charges. I am requesting that the charges be removed/ debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that receive an accurate statement.
Product: Debt collection

We closed out our XXXX phone bill and paid them in full On XX/XX/2020. However received a bill on XX/XX/XXXX called XXXX to confirm and told us we didnt owe anything and they are applying credits to accounts for over paying. XX/XX/XXXX credence called my work phone and it was there first attempt and I asked why did they call my work number and I dont owe anything to XXXX and I have confirmation. They harassed me and told me me I do owe them and it was sent to them today and I need to pay it. Called XXXX  back and they told me to pay them and they give me the credit back and so I did. I think this is wrong I have never had a collector call me to owe money and call me at work. It was embarrassing and even though it wasnt my fault and I think this was wrong and very unprofessional Account number Credence Resource Management # XXXX XXXX XXXX XXXX XXXX {$120.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off entry currently reported on my credit report for the account referenced above. As you are aware, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I believe that the charge-off entry on my credit report does not meet the legal requirements for accuracy and completeness. 

In accordance with 15 U.S.C. 1681g, I am requesting a full and complete disclosure of the information pertaining to this charge-off. Specifically, I am requesting the following information : The date the account was reported as a charge-off.

The identity of the original creditor and any debt collectors or companies that may have reported this charge-off. 
The complete payment history, including any documentation that supports the reporting of the charge-off. 
Any legal or contractual documents pertaining to the charge-off that justify its inclusion in my credit file. 
Under the FCRA, all information on my credit report must be accurate, verifiable, and substantiated. If the reporting party can not provide sufficient documentation to support the charge-off or if they fail to adhere to the requirements outlined in the FCRA, the charge-off must be removed from my credit report immediately.

Please consider this letter a formal request for the immediate removal of this charge-off if the above information can not be provided. I also request that, per 15 U.S.C. 1681i, you thoroughly investigate the charge-off and verify the validity of this entry. If the reporting entity fails to verify or validate the charge-off within the statutory time frame, I demand its permanent removal from my credit report. 

I request that you complete your investigation and respond to me within the 30-day timeframe mandated by law. Should you fail to comply with this request, I will have no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, as well as seek legal remedies available under the Fair Credit Reporting Act. 

For your convenience, I have enclosed a copy of my recent credit report with the disputed charge-off clearly highlighted. 

Please confirm receipt of this letter and update my credit report as soon as your investigation is complete. I expect nothing less than the removal of the charge-off, as the evidence and legal framework indicate it is unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies : Account Name : XXXX XXXXXXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX  XXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX BANKRUPTCY COURTXXXX  REFERENCE NUMBER : XXXX, Account Name : XXXX XXXXXXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 


Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? 
Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was notified by XXXX XXXX that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in Experian data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX XXXX have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX XXXX : {$24000.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXXXXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX  XXXX AMOUNT {$2100.00} XXXX XXXXXXXX AMOUNT {$2800.00} XXXX XXXX AMOUNT {$920.00} XXXX XXXX XXXX AMOUNT {$0.00} XXXX / XXXX AMOUNT {$1700.00} XXXX XXXX XXXX AMOUNT {$820.00} XXXX XXXX AMOUNT {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Checking or savings account

I opened an account with Bank of America. My account was compromised by an abusive partner I was I a relationship with. After I moved away, I received notice that there was a gym membership attached to my account. I contacted Bank of America and they asked for proof. I was able to obtain details of the membership agreement which was completed online. It had the name of my ex partner listed with my banking information. I provided details as well as the gym company providing details. Bank of America has asked for a police report however the state that I have moved to told me that I would have to file a report in the city the crime was committed in. The state that I moved from will not complete the report because I no longer reside there. I have all paperwork, the gym has a photo copy of the person who used the account, and the membership agreement completed online. Bank of America has not resolved this and are refusing to, yet they have reported to consumers by way of my credit report.
Product: Mortgage

Wells Fargo solicited me to re finance my mortgage with them. 
They promised me in writing multiple times that I would not have to escrow ANY payments, not the flood insurance, not the homeowners, not taxes. They also did a quick appraisal that only costs {$100.00}. 
They lied about the escrow. My closing documents are wildly inaccurate and do not take into account the full lender credits they offered. They are demanding to escrow flood insurance 17 months in advance. 
They charged my credit card {$100.00} twice and an additional {$490.00} for appraisals that were not done.
Product: Credit reporting or other personal consumer reports

I inquired a hard inquiry from the company XXXX on XX/XX/2023 which I do not recognize or have any knowledge of. I am seeking the removal of the inquiry from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 8 months since XXXX 2017 I have been writing and sending certified letters to Citi Bank credit card services in regards to an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company. The Citi Bank account in question XXXX, the whole account number is n't reported as well. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from XXXX XXXX dated in XXXX. In XXXX, I was XXXX  years old and have never done any business with XXXX XXXX or any of their affiliates. I contacted XX/XX/XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.
Product: Mortgage

I made a HELOC loan with Wells Fargo Bank back in 2008 for {$25000.00}. I have made more than the minimum payment for over 13 years never missing a payment. And I still owe over {$18000.00}. That's only {$7000.00} in 13 years going to the principal. And in the last 5 years I have paid {$200.00} a month and am still not seeing a decline in the balance. I have tried to talk to Wells Fargo but am told this is normal. A fair resolution to this would be to adjust the balance to where it should be. According to WF I have been paying about 40 % intrest as opposed to the 5 % of the loan contract.
Product: Credit card or prepaid card

I make my payment and they charge me a {$10.00} fee for making the payment and then they do not apply the funds for 10 days after I make that payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies response to my complaint XXXX to cfpb is a complete lie. they claim they could not speak to me however they refused to because I had answered the phone stating that I was recording the call not knowing who was on the other end however they were calling me on a recorded line themselves ... .. The inquiries on my credit file have been on my credit report for 2 years .... 1 in XXXX  of XXXX which is showing as an XXXX inquiry but is actually a chase inquiry on my XXXX report 2 the XXXX on XXXX of XXXX  that is showing as a chase inquiry on my XXXX report. I have at one point requested the removal of these inquiries be expedited they refused to do that. In fact I was not happy with what they called masking the inquiries instead of removing them because I had not applied for this card they said they can only mask them whatever that means.