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

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 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 maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. XXXX XXXX, XXXX, and Experian is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.
Product: Debt collection

On or about XX/XX/2024, without my authorization, Bank of America dispersed {$5900.00} from my account number XXXX to XXXX ( formerly XXXX aka " XXXX '' ) and since that date has wrongfully refused to make set amount available to me. Bank of America dispersed these funds to a company called XXXX. This company claims I applied for a loan with them on behalf of my business. I did not apply for a loan with XXXX. I have been a victim of identity theft. XXXX did not check ID for the applicant and Bank of America did not conduct an investigation. Bank of America and XXXX are simply agreeing with XXXX another without conducting an investigation. XXXX has provided some of the original application. XXXX has refused to provide statements. XXXX has refused to provide written proof of all communication with the identity thief to include emails and texts, as requested. 
I had never heard of XXXX  ( XXXX  formerly XXXX ) until Bank of America dispersed funds to them without my knowledge. XXXX is now stating I owe them {$11000.00} more and that they will settle with me by retaining the {$5900.00} and waiving the {$110000.00} provided I do not speak of their company ever again on any platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a 7 day trial for {$1.00}, and it was advertised that you could cancel during the 7 days and there would be no additional costs. The number I was given to cancel was XXXX, which is also the number that was listed on Experian 's web site and also on my bank statement from XXXX XXXX. When I called the number, the automated service asked for my social security number and zip code, which I provided, and the response was that my account was a FREE ACCOUNT and there was nothing to cancel and it then hung up. It would not give me the option to speak to someone. After calling this number 4 times over 3 months, I assumed it was correct and did not review my bank statement again until a automated withdrawal caused an overdraft, and after checking my account detail, it was again Experian deducting another fee. I went to the bank and put in a protest of the fee, and also closed my account and created a new one. The bank gave me 3 additional numbers to call at Experian. Two of them also had the same recording that my account was free. The third one, XXXX provided a human to talk to, and she apologized and refunded the last withdrawal, but would not refund the overdraft nor the previous 7 withdrawals. I then told her to inform her management that I was reporting them for fraud, as they provided a number to cancel which informed me, the consumer of false information, and would not allow me to cancel.
Product: Debt collection

I have sent telerecovery a certified letter stating that I would like to verify a debt that they are trying to collect. It has been well over 30 days and i have not gotten a response. Also upon checking whether they are licensed in my state i found that the license was in fact expired since 2011. They are continuously verifying that this is my debt through they are not validating it with my request.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit card

On XXXX XXXX XXXX XXXX XXXX my USAA credit was charged with the amount {$500.00} from an unknown institution called XXXX XXXX. I reported the charged immediately to my credit card department usaa and they credited me with the same amount and said they will find out what happened. On XXXX XXXX XXXX XXXXXX/XX/year> the same amount left my credit card again the second time now its showinXXXX XXXX XXXX and I reported it to my credit card company usaa and they said they took their money back because they could not determine any fraudulent charge or activity. I requested from them to tell me who now made the transaction and where was it made. They said it was made from XXXX but can not tell me who made it. They have refused to attend to me since then and refused to credit the money back to my card. They have breached the trust and security I have with them and will no longer use their credit card but they need to issue my money back to the account. Attached are the transactions. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MACYSDSNB - XXXX is reporting an erroneous debt on my credit. I paid this balance off 6 years ago and it is still reporting a balance. This debt is inaccurate, invalid, and past the statute of limitations. This is a violation and it needs to be fixed.
Product: Debt collection

put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer.
Product: Debt collection

The account below was added to my XXXX credit report. This is not mine, and I have reached out to the number and address, for more information and verification and have been ignored. 
In addition, this agency is being investigated and sued by FTC ( see image for fake collections ). When I called them they threw threats and court and issuing of a summons to be delivered to my employer. Immediately remove and delete this from my credit file. I have never heard or had any business with company. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is not a verification account. XXXX Account # XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft XXXX XXXX XXXX. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED 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  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 or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Late in XXXX, I received collection calls and letters from First Credit Services , Inc. alleging that I had a past due balance of {$54.00} with XXXX XXXX I previously had paid a portion of the {$54.00} and attempted to terminate my XXXX membership via email as well as via XXXX XXXX website. In response to my efforts to cancel my membership, I received a subsequent email indicating that my membership could be terminated only by visiting the XXXX  location in person or by sending a letter via certified mail canceling my membership. Meanwhile, the email informed me that charges would continue to accrue. After receiving this latest email, I contacted XXXX XXXXXXXX directly ( the XXXX XXXX  name was XXXX XXXX on XX/XX/XXXX, to determine how to resolve the collection dispute. I was informed by XXXX that I could pay {$19.00} to resolve the outstanding balance and cancel my membership immediately. I paid that amount as well as confirmed cancellation via certified mail return receipt letter the same day ( and received confirmation of receipt by XXXX  XXXX ). Nonetheless, since midXXXX XXXX, I have repeatedly been contacted by First Credit Services , Inc. alleging that I continue to owe an outstanding balance of {$54.00} to XXXX XXXX. I have provided documentation regarding full payment to both XXXX XXXX and First Credit Services , IncXXXX, yet I continue to be contacted. I've exhausted all efforts to resolve this matter other than filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  card number ending in XXXX I should have a XXXX balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Looking to complete a simple HARP refi with current lender, Nationstar now XXXX XXXX. I have not received the " Dinner and a Movie gift card '' from promotion flier they mailed out on many occasions. Completed application almost two months ago and have yet to see my credit score disclosure or the rate options that were discussed. Originally said the gift card would go out three days after application, so false and misleading advertising. Have spoke to them on multiple occasions and they just keep saying next week I will get gift card. It would be good to get credit score info so I can start looking for other options with out each lender pulling credit. Left messages no return call. Said they would beat other lenders rates but wont call me back to discuss. Other bad service type of things but these are my main issues for now. Any help would be appreciated.,
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit report, I have identified what I believe to be an inaccuracy in the reporting of this bankruptcy. As per my records, the bankruptcy was discharged, and I contend that it is currently being reported inaccurately. I kindly request that you investigate this matter promptly and verify the accuracy of the information associated with the mentioned public record. If it is indeed reported inaccurately, I request that you take the necessary steps to rectify the error and update my credit report accordingly. I understand that accuracy in credit reporting is crucial, and I am eager to ensure that my credit history is a true reflection of my financial circumstances. I appreciate your attention to this matter and expect a thorough investigation within the timeframe stipulated by the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a mortgage payment of {$1200.00} on XX/XX/22 through my bill pay like I've been doing for years only now it's going to Mr Cooper instead of XXXX XXXX I was told by a Mr Cooper employee to not make the payment until that date, so I promptly made the payment on that date. The next day I noticed that the payment would not post until XX/XX/22 which would make it 1 day late. I have not been late on any payments to anyone in the last XXXX years so that didn't sit well with me already. After calling Mr Cooper, I was told they're allowing a 60-day grace period on any payments from the XXXXXXXX XXXX transferred accounts. Then the money was deducted from my bank account on XX/XX/22 ( upload below ) but was never posted to my loan until XX/XX/22 ( upload below ) and when I called to address the issue I was asked if I wanted to bring my account current by the customer service woman. Even though they're claiming they're offering a 60-day grace period at {$21.00} a day of interest on the loan, that equates to an additional {$170.00} of interest that's now been charged to my loan balance. I was also told by my bank that the delay of the electronic BillPay was because Mr Cooper specifically requested a check be mailed instead of accepting the electronic Billpay payment they claim they accept on their website.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my victimization in the Equifax data breach that occurred in XXXX. I would like to express my deep concern and frustration with Equifax 's negligence in safeguarding my private information, which has resulted in significant financial and personal repercussions. 

In XXXX, my personal information was compromised due to the Equifax data breach, during which my sensitive data was hacked and used without my consent. This breach of security had far-reaching consequences as the perpetrators exploited my personal information to open bank accounts and obtain credit in my name. As a result of this breach and Equifax 's failure to protect my data adequately, I have endured severe setbacks that have persisted for years. 

To address the ongoing issues arising from the breach, I promptly took steps to protect my financial well-being. I placed a credit freeze on my credit reports and initiated the lengthy process of disputing and rectifying fraudulent accounts and activities that were attributed to me. These actions have been time-consuming and emotionally taxing, requiring countless hours of effort to clear my name and reestablish my financial stability. 

Furthermore, I submitted a XXXX XXXX XXXX form provided by Equifax to quantify the losses I incurred as a direct result of their negligence. The losses I suffered due to the breach amounted to a total of {$12000.00}. Despite providing all the necessary documentation and information, Equifax has failed to respond adequately to my claim. They have not issued a settlement check or even attempted to reach out to me for further clarification or resolution. 

This disregard for my legitimate claim and the ongoing issues stemming from the data breach have caused me considerable distress and financial hardship. Equifax 's failure to address these matters appropriately has further exacerbated the negative impact on my life, making it even more challenging to regain my financial footing. 

I am seeking the assistance of the CFPB to hold Equifax accountable for their negligence, lax data security practices, and lack of responsiveness in addressing the issues arising from the data breach. I kindly request that you investigate this matter thoroughly and take any necessary actions to ensure that Equifax fulfills its obligations to me and other affected consumers. 

Thank you for your attention to this serious matter. I eagerly await your response and any assistance you can provide in resolving this grievance
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX  IN, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX AND AFFIRM XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear Sir/Madam , I am writing to request the removal of a hard inquiry that was placed on my credit report on XX/XX/year>, by XXXXXXXX XXXX  . This inquiry has negatively impacted my credit score, and I am concerned about its presence on my report.

To the best of my knowledge, I did not authorize or consent to this hard inquiry, and I believe it may have been added in error. As a diligent consumer who regularly monitors their credit, I was alarmed to see this inquiry and am requesting its immediate removal from my credit report. 

I would appreciate your prompt attention to this matter and request that you investigate and remove this hard inquiry as soon as possible. Your assistance in resolving this issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.