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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Additionally, this breach may also violate the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), which mandates financial institutionsincluding student loan servicersto implement safeguards to protect consumers ' private financial data. Unauthorized disclosure of my information also raises concerns under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which regulates the accuracy and privacy of consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Checking or savings account

I work for the State of Ohio. I get paid on Wednesday for the pass year and a half. But lately Chime been holding peoples money. Today is XXXX XXXX I was supposed to got paid yesterday. But did not! Other people with different banks received their money but not us chime users. I just want my deposit. Chime and all their partner XXXX need to be held accountable. They say nothing wrong with the deposits but on social media people are complaining about not getting their money.
Product: Checking or savings account

I opened Capital One 360 checking & savings accounts because they had competitive savings interest rates and offered no-fee overdraft protection. Since opening the accounts, I have on occasion needed to utilize this OD protection service. Initially, this was a mostly transparent service. If I maintained a regular direct deposit of at least a certain amount of money over a certain number of months, CapOne would pay an overdraft and not return the transaction to the vendor. I have always maintained my accounts in good standing, but suddenly this year, CapOne stopped paying these overdrafts consistently. One month, I might have a {$150.00} transaction post and my account might go negative by {$110.00} for a few days, the next month, a {$15.00} streaming charge would attempt to post and would be rejected by CapOne. There is zero consistency now. Im encountering an avalanche of NSF charges from vendors because CapOne wont allow any overdrafts to post at all, even pre-authorized subscription charges or pharmacy/food transactions. Ive attempted to obtain clarity on CapOne policies, since one month my account might be overdrawn {$15.00} and another month {$94.00} ( all normalizing eventually and maintained in good standing when all is said and done ). CapOne will then refer me to their no-fee written policy, which in my reading of it, should have allowed all of these periodic transactions to post pending my deposits. The lack of consistency, and the constant obfuscation by their customer support, has led me to believe they are not actually offering no-fee overdraft protection at all. Whats more, is that a customer is not allowed to change their overdraft preferences if the account is already temporarily negative. If I selected no-fee as a preference toggle and then a transaction pushes my balance to - {$10.00}, and then I soon recognize the importance of this and realize I need a larger payment to post imminently and with no issues, I can not go back to CapOne and change the OD setting to a fee-based overdraft in order to guarantee the payment will clear even if I pay them extra for the privilege. This has completely derailed my personal finances at this time because I am unable to plan or prepare for these bumps in the road when my bank keeps moving the goalposts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Equifax I have called them multiple times Im now filing a complaint today I spoke with an agent at Equifax who yelled put me on hold for over an hour came back on the line and said goodbye and hung up. I found my identity theft report and it is terrible to be victimized by identity thieves and then again by Equifax. I sent Equifax my proof of identity including state ID Social Security card bank statements and utility bills they are also aware of identity theft report they continue to write me saying they can not find a file on these which is not true as I have a copy of my Equifax report. None of the documents I sent Equifax contain my middle name nor did any documents have my middle initial but when Equifax sends me bogus letters saying they cant find my file they always include my full name including my middle name if they cant find my file how do they have my middle name I feel like this company Equifax is not honest and they do not care about the consumers I have the right to an accurate credit report free of errors due to no actions of my own. It has been over 45 days and Equifax refuses to acknowledge their error. There is an item on my credit report that shows a charge off account the creditor is listed as XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX I have never authorized an account with XXXX XXXX XXXX I have never been in the military there is another era that is listed as XXXX XXXX and shows an original predator as XXXX XXXX XXXX the same applies here I have never had any financial dealings authorizations or use of XXXX XXXX the XXXX XXXX account shows That it was opened in XX/XX/XXXX the XXXX XXXX XXXX shows opened XX/XX/XXXX Equifax is getting paid by these financial institution and it seems as though they work for them and do not care who they harm were their erroneous entries. I have not authorized in anyway any of these accounts and I feel like Im just a number to Equifax and they are damaging me causing me to be denied lower interest rates or financing because of my in accurate Equifax report please help in this situation contact Equifax. 
Respectfully
Product: Vehicle loan or lease

Re : XXXX Wells Fargo provided a letter indicating they had no interest in my vehicle. However it is not adequate to clear my title.

I am trying to clear my title and I contacted The Secretary of State. I was told I must obtain a proper release from Wells Fargo. See email comments below. 
Wells Fargo should contact XXXX, XXXX XXXX with any questions about how to prepare a proper release. 

-- -- -- -- -- -- -- -- -- -- -- -- -- XXXX, XXXX XXXX To : XXXX XXXX ' Fri, XX/XX/XXXX at XXXX XXXX We need a statement from Wells Fargo that is wet ink signed by an agent from the company that lists the full VIN. 

XXXX XXXX Office Operations Supervisor Electronic Registration & Title XXXX : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts XXXX  XXXX {$1300.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to Sears/XXXX XXXX/Citi Financial on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$5600.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1600.00} XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 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 : {$10000.00}
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 5 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Checking or savings account

My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.
Product: Student loan

I received a statement from MOHELA on XX/XX/2XXXX  claiming that I have a past due balance of {$370.00} and {$370.00} current due. I did not receive any billing statement for XXXX therefore I should not have had a past due balance. The statement for XXXX was not received 21 days before the amount pursuant to 15 U.S. Code 1666b. I did notify MOHELA promptly of this error. 

I then received a statement from MOHELA on XX/XX/ claiming that I have a past due balance of {$740.00} and {$370.00} current due. I did not receive any billing statement for XXXX. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. I did also notify MOHELA promptly of this error. 

On XX/XX/ I received 3 letters from Mohela dated XX/XX/ with statements for XXXX, XXXX and XXXX. The billing errors were never corrected, they only printed out new statements. I have been adversely affected by this company 's negligence in this and another matter that I will address in a separate complaint. My credit score dropped XXXX points and it cost me to lose out on a deal that I would have entered into with {$24000.00} in equity. I have suffered financial harm and emotional distress.
Product: Checking or savings account

Chase has charged me late fees and closed one of my accounts. I always thought that the charges were excessive and I never thought they were reasonable charges.
Product: Credit reporting or other personal consumer reports

I submitted a copy of my drivers license ( id ) and a copy of my w-2 to get the fraud alert removed since Equifax needs 2 forms of ID. The CRA is obligated to use these documents to remove the alert. Even on the website they indicated that these 2 types of documents are ok. Why is Equifax doing this?
Product: Debt collection

This account was paid off as agreed. The principle and interest was paid in full in XX/XX/XXXX. There was only a balance of estimated 400.00 left on the account. The finance company advise that my vehicle would not be repossessed due to paid in full. I just wouldn't receive my title until that amount was paid. In XX/XX/XXXX, my vehicle was unlawfully repossessed. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. I was told they sold my account to a collection agency and they were the ones who repossessed my vehicle. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX account ( # XXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : Experian and XXXX : {$22000.00} XXXX : {$20000.00} XXXX Credit XXXX XXXX Experian and XXXX XXXX {$20000.00} XXXX XXXX {$0.00} XXXX. Last Reported Date : Experian : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX. Date Last Active : Experian : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX. Date of Last Payment : Experian and XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX. Late Payment Status : Experian : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). Was 150 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Prepaid card

Held the account for 9 months and they repeatedly charged a 3 dollar fee for adding money which isn't consistent with their policy. They also stole over XXXX dollars fraudulently. They also denied business checks. Overall unethical business behavior etc. don't close this without a thorough investigation. I'm counting on you.
Product: Credit card

Chase Account # XXXX. Owed XXXX-made arrangement for 60 monthsXXXXXXXX a month.in XXXX 2011. They have charged 6 % interest. 
I have paid XXXX on principle, XXXX on fees and XXXX on interest. Total of XXXX. 
I made payment arrangement due to harassing calls and threat of court action in 2011. 
I have paid XXXX on principle and feel I only owe XXXX26 months. 
I f i pay for 60 months the total will be XXXX have access to all the statements. 
Thank you