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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


I have XXXX accounts present on my credit report that have violated these laws. 

XXXX XXXX XXXX XXXX XXXX  Regions Bank ( Credit card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

called company and spoke with a Supervisor regarding my credit report showing a late payment in XXXX 2017. This was during the time Harvey hit the gulf coast/XXXX  area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.
Product: Checking or savings account

ON XX/XX/2021. my account is now minus {$460.00}. the tellers at the wells fargo bank are tampering with my account illegally. please investigate. numerous times withdrawals from XXXX for {$360.00} is consistantly taken out and the company I told the claims dept. under FTC & FBI investigation for stealing and towing away the XXXX  XXXX, while my wells fargo debit card was available to them. This was a SCAM inorder to charge me more money. the field manager XXXX XXXX was responsible and is known to OVERCHARGE his customers since he worked at XXXX. I am also being charged twice with planet fitness and some type of audio XXXX service. I asked the claims dept to investigate but if you have a chance look at my wells fargo online account and see how it is very confusing.The dates are being changed when I made a deposit. and deposit are scattered so that I could be charged a late fee. too much for me. I am on a fix income and now living in provety in a XXXX XXXX where I am being victimized 24/7. I am a widow of an XXXX XXXX veteran. this is a crying shame! how I am treated in my own country.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report due to a data breach incident. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit file. 
Please take prompt action to block and delete the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

I received a letter from Wells Fargo stating my variable rate would increase in XXXX, but they charged the new rate in XXXX. I was still entitled to the old rate.
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. 

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 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

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
Product: Debt collection

Please review all attached documentation. Carvana never responded to my validation request, and they have violated me as a federally protected consumer. They never notified me of my right to dispute pursuant to 15 USC 1692g, and they never disclosed that this was an attempt to collect a debt pursuant to 15 USC 1692.e ( 11 )
Product: Credit reporting or other personal consumer reports

This account is showing as a profit and loss write off and no 1099 was provided to me!!
Product: Money transfer, virtual currency, or money service

Customer service does not have a contact phone number and takes an excessively long time to respond. 
Customer service is deceptive, unresponsive, and frequently inaccurate in their response. Multiple attempts at wire transfers failed to a previously authorized account. Inaccurate instructions were provided for 5 weeks in an attempt to resolve resulting in funds that are trapped with this supposed exchange. 
Inability to wire funds to New York State or Washington Site unavailable for over 10 days due to failed software update No ability to withdraw funds via manual check forcing additional fees to send money to another exchange if your bank account is in Washington or New York!
Product: Mortgage

In XXXX, I contacted Newrez to initiate a buyout assumption for the mortgage on a property I co-own with my friend. The goal was to transfer the loan into my name, removing my friend from liability. Throughout multiple calls and emails, I clearly explained our situation and was guided through the steps to complete the assumption. At no point was I informed that relationship status ( as non-relatives ) would make us ineligible. Based on Newrezs assurances, my wife and I made significant life decisions, including hiring movers costing {$1700.00} and relocating to the property, assuming we would keep the favorable interest rate of 3.2 %. However, a few days ago, over the phone, the loan officer handling our case asked if my friend and I were related. When I said no, he stated the assumption could not proceed because we are not relatives and expressed surprise that we had made it this far in the process, as our relationship status should have been addressed months ago. I was told the only way to remove my friend from the mortgage was to refinance, which would mean losing the current interest rate. This contradicts months of guidance from Newrez, who knew from the beginning that my friend and I were not related. Nowhere in their documents, communications, or website is it stated that assumptions are restricted to relatives. Their failure to disclose this policy upfront caused unnecessary stress and financial harm. Had we been informed earlier, we would not have moved or gone through this process. Additionally, I could find no legal requirement limiting buyout assumptions to relatives, suggesting this is an internal policy that should have been disclosed at the outset. This process has been unnecessarily stressful, and I believe Newrez should be held accountable for their negligence and misrepresentation.
Product: Debt collection

The only reason I know this company is attempting to collect a debt is because I received an alert on my credit report a couple weeks ago. In reality, I have no knowledge of the account with the original creditor and have yet to be sent notice of my right to dispute by the debt purchaser. I disputed the collection account with the credit reporting agency as soon as I saw it and requested validation of the debt and evidence of my obligation to pay it, however the debt purchaser has not provided this information to me and the account remains on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off- XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off- CAP XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off- XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened XXXX XXXX Late/Closed- XXXX XXXX XXXX, XXXX XXXX Date Opened XX/XX/XXXX - - Late/Closed-
Product: Bank account or service

I have had a Bluebird account in perfect standing since XXXX of XXXX. I have always been happy with my Bluebird account. I had never previously called customer service prior to last week when my card was defrauded of {$290.00} total from 6 fraudulent transactions dated from XXXX/XXXX/XXXX of {$64.00}, {$64.00}, {$64.00}, {$44.00}, {$34.00}, {$24.00}. My card was lost or stolen and I reported it immediately as per my terms of service. I have police reports. However, within ten minutes of reporting this to AMEX, I received an email saying that my fraud claim had been denied. 
According to your website customers enjoy benefits ' [ ... ] such as Purchase Protection* and Fraud Protection* when making purchases online or in store with Bluebird. Regarding fraud, it specifically says 'If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases. ' According to the Consumer Financial Protection Bureau, if reported within 2 days of discovering the transactions, I can not be held liable for fraudulent transactions. I reported this lost/stolen immediately after discovering it, well within the time frame and therefore I should not have been held liable. Furthermore, their ten minute decision shows that you did not perform due diligence in investigating this, and therefore have sold a banking product in bad faith are in breach of contract and have disregarded federal and state banking laws. 

I wrote a letter to the CEO and was contacted by their Executive Relations office, but was told that these are n't really bank accounts and that their profit margins on these are slim. I countered that they clearly say customers are protected against fraud and that these accounts are in fact marketed as bank account replacements by AMEX. I have a new account now, but I do not feel a proper investigation was done, and I feel that AMEX is not honouring their terms of service. I would like a fraud refund of {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 ) XXXX  {$820.00} 3 ) XXXX XXXX {$120.00}
Product: Bank account or service

I 've opened a checking account with Chase that I 've had since I was in high school. They 've closed my checking account and chose to end my relationship with them. I asked them why was my checking account closed. Their response was that they could n't give me a reason why and that it was closed due to me being too much of a risk to the bank. They will not tell me what risk I am nor will they give me any information. Everytime I call, I can not ever contact the correct department because they continuously transfer me to a department that tells me they can not assist and that I can not open an account with them. I found out that there was several other checking and saving accounts with them that had some activity on it that was not appropriate. I 've tried notifying this bank several times that I have n't opened these account nor did I do any activity on it that is risky. I have had a few claims but the majority of them were found in my favor which means that they are legit claims. I feel I am being discriminated or penalized for something that is not my responsibility or my actions because of identity theft. It is not fair!
Product: Debt collection

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the experian equifax and trnsunion, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Debt collection

I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.
Product: Mortgage

My US Bank mortgages was being refinanced with another provider. It was reported as late once. That is incorrect. I have NEVER been late. I contacted them and I was told it doesn't show any late payment. It was closed because it was refinanced with another lender. I've gone back and forth with this. I'm frustrated.
Product: Checking or savings account

The filed a claim and was told that they will investigate. I told them I will provide documentation to support my claim but they said no need but then later on denied it. It was a scam.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 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

The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has repeatedly reported inaccurate data to all 3 major credit bureaus as it pertains to my credit report. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX under creditor 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

My mortgage company is doing something called misapplication reversal to move around payments. I have XXXX payments that they will not tell me where they are or where they went to. I have a suspense account that they are taking funds from and applying my payments late. They will not communicate with me. Each rep I get trys to rush me off the phone and will not tell me anything. Now they are trying to foreclose on my house XX/XX/year> but will not talk to me. They only want me to sign a remodification on my statement.