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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00}. XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX : {$17000.00}
Product: Debt collection

BANK OF AMERICA IS ATTEMPTING TO FALSELY FORECLOSING AS THE OWNER OF A NOTE THAT WAS SOLD TO ANOTHER ENTITY IN XX/XX/XXXX 
BANK OF AMERICA N.A.WAS NOT THE TRUE SECURED CREDITOR TO WHOM ANY ALLEGED DEBT WAS OWED AT THE TIME THE FORECLOSURE NOTICE WAS FILED. : Pursuant to NCGS XXXX XXXX c ) ( XXXX ) only the Secured Creditor can accelerate the maturity of the note. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX as substitute Trustee commenced this action by mailing a Notice of Default to the XXXX 's. Point 1 of this Notice states the following : " The Creditor to whom the debt is owed is Bank of America , NA s/b/m to BAC Home Loans Servicing. '' Concealing the true creditor. XXXX attached -plaintiff letter of default XXXX The representatives for Bank of America submitted an affidavit further concealing the true owner and creditor. ( attached-affidavit of XXXX XXXX and expert report on affidavit of XXXX XXXX XXXX A Response from a Qualified Written Request revealed that XXXX XXXX, not Bank of America , N.A . was the holder of the note on the date that the foreclosure was initiated. ( attached- letter from Bank of America confirming true creditor XXXX XXXX XXXX This finding was also confirmed by XXXX XXXX XXXX XXXX XXXX XXXX confirmation ) XXXX XXXX did not initiate the Foreclosure as required by law and XXXX XXXX XXXX XXXX, XXXX, Substitute Trustee, should have filed the action on behalf of XXXX XXXX as opposed to Bank of America , N.A .
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, Equifax, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act convergent ( XXXX ) ( XXXX & XXXX ) XXXX5 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

After XXXX years of being jobless due to health problems, I saw an advert for a XXXX Data Entry Position ( work from home ) and I applied. I was scheduled for an interview and offered the job, which I was so thankful for! I was then introduced to the XXXX  personnel named XXXX XXXX that she will be my trainer for a week and help setup my home office! First, she sent me a document introducing the XXXX XXXX XXXX XXXX XXXX XXXX and the list of working materials I will need to do my work! She then explained that the XXXX XXXX has a certified Vendor and an agent who will help setup my XXXX, XXXX and other machines and software at my house after he had installed the software & inscribed the XXXX ' XXXX logo on them. On the XXXX day she asked if I had a bank account in order to drop in a check for the materials for the sake of time and I said yes! She later sent the XXXX & XXXX checks in the amount of {$XXXX} each, which I deposited at Wells Fargo! I thought the checks were genuine or even if not, the Bank will find out! Surprisingly, Wells Fargo cleared the checks and I deposited the cash where she asked me to, for the agent to pick up and make the purchases! At the end of the day, even though I had found out the Company to be genuine and the XXXX XXXX as the XXXX, the checks were fraud! Wells Fargo claims they trust me and that is their reason for cashing the fake checks in XXXX hours instead of making sure these checks pass through their system to determine they were genuine- so as to protect their trusted Customer as they claimed! They claimed am in the wrong and they have ceased my only funds I have to take care of myself to cover their loss! Their decision I believe is out of shame for not being responsible enough as a bank, because if the Bank CAN NOT identify a false check - how much more me- with NO experience or gadget! They referred me to their deposit account agreement- but on page XXXX, Wells Fargo admit having an XXXX  Fraud filter and XXXX XXXX XXXX in place to protect her customers! How come they failed to use them to protect me remained unanswered! 
In conclusion, I am appealing to your good offices to please intervene in my behalf and advice Wells Fargo to restore my account with my {$XXXX} immediately because I am NOT a thief, had NEVER stolen anyone 's money or property in my soon to be XXXX  years of life! Besides I have all documents including a police report to proof my innocence! 
Thank You Immensely and look forward to your intervention!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent in how they managed their site security and leaked my information ( along with 143M other people ).
Product: Credit card or prepaid card

I had a seruced credit card with First Progress with a {$200.00} limit I had to give a security deposit of {$200.00} dollars before using the card I cancelled the card and was told that the deposit was suppose to be returned in 90 days the card was cancelled XX/XX/XXXX and the money was suppose to be mailed to me and it never came I call the company back on XX/XX/XXXX about the deposit and was told that the check was returned back to them by the post office so I gave First Progress another address to send the deposit to and I was told that it would take 30 days to update the address and a check would be mailed out afterwards and I still didnt get it I called back to see why I hadden gotten it i asked what address it was sent to and was given the old address I ask to speak to a supervisor and was told that one wasn't available I have waited 5 months on my security deposit and havent gotten it and each time I ask for a supervisor am told XXXX isnt available and I have updated my address with them multiple times and Im always given the old address when I ask about what address are they going to send the check to the address that the check needs to be sent to is XXXX XXXX XXXX # XXXX XXXX XXXX Tx XXXX but they keep telling me the address that the check will be mailed to XXXX XXXX XXXX XXXX Tx XXXX and I have given them the new address time and time again I dont see were the difficulty is coming in at this is simple
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX XXXX XXXX Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- First National Bank of Omaha- A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX XXXX XXXX Letter received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX  XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
Product: Checking or savings account

I am filling a complaint against capital one regarding the deceptive practices related to their 360 hing yield interest savings accounts. Capital one misrepresented the 360 savings accounts as having one of the nations highest interest rates, yet failed to notify the account holder about the superior rates offered by the 360 performance savings accounts. This delIberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misreading practice 's and failure to fulfill their adventured promises.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ( XXXX XXXX Account # XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and to seek relief for the distress and financial harm caused by their actions. 

Complaint Details : ( XXXX XXXX Account # XXXX ) Date of Incident : XX/XX/year> Nature of Complaint : Multiple errors and inaccuracies, Method of investigation, How did you verify this account as accurate? 

Inaccurate Reporting : ( XXXX XXXX Account # XXXX ) has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : ( XXXX XXXX Account # XXXX ) did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with ( XXXX XXXX Account # XXXX ) and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : ( XXXX XXXX Account # XXXX ) added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information.

Impact : The actions of ( XXXX XXXX Account # XXXX ) have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability. 

Requested Resolution : Method of Verification : I request that ( XXXX XXXX Account # XXXX ) provide the method of verification used to substantiate the alleged debt and their reporting of this account. This includes all documentation and evidence they have regarding this debt. 

Re-investigation : I request a thorough re-investigation of this account and its reporting. This includes verifying the accuracy and completeness of the information being reported. 

Immediate Deletion of Account : If ( XXXX XXXX Account # XXXX ) can not provide adequate verification and substantiate the accuracy of the reported information, I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that ( XXXX XXXX Account # XXXX ) adheres to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$7100.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Student loan

On 8 different occasions I called Nelnet asking them to remove the 120 days they claimed I was late or defaulted on my student loans. To this day, even after consolidating with another lender many of my student loan accounts through Nelnet show up as 120 days late, even though I was never late as I was in deferment for all of my student loans. on two separate occasions I spoke with a rep named XXXX, who assured me that this was infact an error on their part because my other student loan accounts also serviced by Nelnet at the time were in deferment as well obviously but never have shown defaulted because it simply did not occur, I was in SCHOOL THE WHOLE ENTIRE TIME THEY CLAIMED I WAS LATE! IT DIDNT EVEN COME TO THE 6 MONTH AFTER GRADUATING GRACE PERIOD YOU GET OVER THE DEFERMENT ONCE OUT OF SCHOOL AND I WAS STILL IN SCHOOL. I always kept up with the deferment rules and procedures. This was a fault of the company 's negligence, not me defaulting on any loan was already admitted and promised to be rectified by 2 of reps I spoke with when discovering a 30 day then 60 day late mark on my credit report. I began tracking it because it only showed on 7 of my student loans with Nelnet, none of my others also serviced by Nelnet. Over the years I kept calling the company and disputing it with all the bureaus but 5 years later even after graduating and consolidating and erolling in a IDR plan for paying off the student debt, and i'm still haunted by FALSE INFORMATION SHOWING 120 days ... every time i pull my report. Not to mention the anxiety i feel everytime I see the balances of those same 7 accounts climbing drastically because of all the interest rate charges and other fees that has put me into a deeper downwards spiral and crushing me under the weight from all the stress time effort and anxiety this 5 year long battle has added. All of that and nothing has been fixed nor changed and every dispute filed has been met with no change, The false information has even spread as the increased balance has not only traveled along on my credit for 5 years and counting, it has also transferred over into the new consolidated loan with the new company who I am in repayments with. Plus a couple of the accounts still show as open accounts before I bombarded him with disputes. This is not fair and needs to be fixed. It has destroyed me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the Equifax data breach and could've potentially been misused by someone else other than myself.
Product: Credit reporting or other personal consumer reports

This would be my XXXX follow up letter, demanding Experian and XXXX to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need XXXX  XXXX, Factual Data, Certified Credit Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX  and XXXX  already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.
Product: Checking or savings account

I opened my Citibank account on XX/XX/2023. They blocked my account on XX/XX/2023. I opened a Citibank account because my wife has Citibank and wanted the convenience of having the same bank. I used my XXXX XXXX XXXX  from them and maybe that triggered a fraud warning, but unsure. They told me I would be mailed a check with my balance within 30 days and wouldnt be allowed to use my account. Its been over 8 months and Ive received no check and every time I call I get the run around or hung up by the service agents.
Product: Credit reporting

To whom it may concern, Experian had previously deleted all the items off of my credit report due to identity and some company in violation of the fair credit report act. However, since has reinserted back on my credit report without any notifications.