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

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative to ensure that consumer reporting agencies fulfill their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX and XXXX are recognized as consumer reporting agencies, and I, as the consumer, possess the inherent right to safeguard my private information, as supported by Section 6801 of Title 15 of the United States Code, which stipulates the Congress 's policy regarding financial institutions ' obligation to uphold customer privacy and confidentiality.

Under Section 604 ( a ) ( 2 ) of Title 15 USC 1681, a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the concerned consumer, thereby requiring explicit consent. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and XXXX, possess my consent to furnish my information, nor do they have my written authorization. 

Furthermore, Section 6802 ( b ) ( c ) emphasizes that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer an explanation of how they can exercise their right to nondisclosure. In this case, the financial institution failed to inform me of my nondisclosure option, as required by law.

Additionally, Section 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless authorized under subsection ( b ). The adverse item being reported without my consent violates this provision.

Moreover, Section 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, while Section 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to permissible purposes. 

XXXX and XXXX 's actions indicate a failure to uphold reasonable procedures as required by law. Additionally, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of all credit reporting services, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate inquiries in my file. Delete these immediately! 
XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

We have 3 cards with Chase and no matter how much we pay each month we are seeing MINIMAL headway with the balances getting down. They refuse to lower our rates and we have paid more than {$4000.00} in payments yet still owe pretty much the same amount on all 3 cards. Their answer is- unless we miss two payments they can't help. 
We are trying VERY hard to get these paid and have no help from them - it's a useless task!! Someone needs to address how these payments are applied and get them to lower our rates please- we are EXCELLENT customers and trying to get this paid off!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/
Product: Student loan

Since XXXX XXXX, I have attempted to obtain an estimated fixed repayment plan. I have been told they do n't give out fixed rate info in writing but can give it verbally. This has caused me issues with obtaining a mortgage loan. Without this information the lender is using 1 % of the total loan as a fixed rate. I am working on a XXXX that has been difficult to complete. My loan amount is $ XXXX. There is no way I would ever be able to afford a {$1900.00} or a $ XXXX XXXX payment. There is no negotiating with the fixed repayment plan. {$1900.00} places me at almost 50 % of my income. I am on the XXXX XXXX XXXX XXXX XXXX they suggest that I come off & get a letter for fixed, place in forebearance, & change it back. Although this will not help with payments that I have made under the public service plan.
Product: Checking or savings account

On XX/XX/XXXX I went inside the Chase bank in XXXX, XXXX, I deposited a check that was endorsed by my girlfriend. I went to use my account and I couldn't I was told to contact a number that was provided to me by the bank. When I called the number the representative then asked for the phone number associated to the person that endorsed the check. After giving the number they said it couldn't be verified through there systems. After calling over 10x we were told to go inside the branch and they will release it. After being told this I remined them all calls are recorded. We both went inside the branch on XX/XX/year> XXXX XXXX called the worker 's direct line at Chase. XXXX 's phone number came up as her name. The representative then called and tried to verify the number again and told them her number came up as well as seeing her ID and passport. They also threating to close my account.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX, Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.
Product: Debt collection

I sent a certified letter to Chase on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. By law, Chase did not supply the info within the 31 days required by law validating the dispute
Product: Payday loan, title loan, or personal loan

I opened this loan with Regional back in 2018. The branch manager XXXX was nice at the time of the loan, but as time went on she became very rude and unprofessional. I've had a financial hardship which caused me to fall behind on the agreement, I've reached out several of times to offer a settlement to pay this balance, and have it removed from my credit and even spoke with corporate several of times. I was approved of an {$800.00} settlement, but never received anything in writing stating that they would remove negative item from my credit report. I am wanting to resolve this issue because it is hindering me from moving forward with employment, which is causing great stress. I am willing to work with this company, but I will need them to hold their end. I was informed by the Branch Manager that she would reach out to all credit bureaus once settlement paid in full to have item no longer reported to my credit, it would be a pay for deletion.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2017 I sent {$650.00} to friend in XXXX XXXX XXXX. The Western Union office in in XXXX XXXX XXXX. When he went to bank to receive the money, he was told there was NO transaction! A few days after, friend AND a customer service official from XXXX XXXX XXXX emailed me about this incident. Was told that the bank was HACKED, by XXXX terrorists AND the XXXX have hacked 10 banks in XXXX, including XXXX. They only HACKED Western Union accounts. I called Western Union about this incident # XXXX got the run around. THEN found a web site for Western Union problems XXXX one of the clerks gave me a NEW email address that I DID NOT receive from phone operator. I sent numerous emails about this issue, referring to incident # XXXX given me by Western Union. NO REPLY 'S from Western Union. Then I made a claim with state Attorney General 's office, believing the weight of the office would make a difference. Little did I know the Attorney Generals ' office informal Dispute Resolution process is voluntary and involves compromise. Western Union would NOT resolve this issue, according to email from Attorney Generals office
Product: Student loan

FED LOAN SERVICING Hello, I can not reach fed loan servicing for over 2 weeks!! I have been placed on hold for an hour plus at least 4x, I have selected call back when next in line, not one call back and I have emailed 3x! I know they are selling the loans to a new lender but my payments start in XXXX and I have no idea who they are going too, and I have submitted a PSLF form that I'm unsure if they applied correctly. In addition, I have submitted 4 PSLF forms and I received a message from the US department of education that only one has been counted ( which makes no sense as I work for public schools and all have been from public schools, full time ) PLEASE HELP ME!!
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES INQUIRIES CREDIT REPORT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently was going over my credit report and noticed that Experian is reporting late payments on account that been discharged thru Bankruptcy XXXX account # XXXX From my understanding any accounts that are discharged should not reporting any late payments and this is a violation of FCRA I dispute this account with Experian a few time each time the account comes back updated still reporting late I am asking them one more time to fix this account or I will have no choice but to pursue my legal options if they dont comply I will attach a copy of my ID as proof of identification
Product: Debt collection

Good Day, Thank you for allowing me to file a complaint against this company regarding this matter. 

I have requested this company, FIRST POINT COLLECTION RESOURCES, INC. to immediately stop reporting this alleged medical debt. 

I have requested complete verification and validation along with a signed contract between FIRST POINT COLLECTION RESOURCES, INC, and myself that would authorize this company to gain access to my personal medical data, as they have not, this is a violation of my HIPPA protected data.

They have not provided me with this and are violating my rights and engaging in character assassination.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 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 an account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

In XX/XX/XXXX, I received emails stating I had opened an account with Bank of America. I ignored them thinking they were scam emails until I received a debit card in the mail. After days of being on hold and not being able to speak to an actual person, I finally got through to a representative. They stated that they closed my account but offered no information about the account. A few weeks later, I received statements for that account. When I called back, I was told Well the account has a {$0.00} balance, so its not a big deal when it is in fact a big deal seeing how I did not open the account. XXXX of XXXX, I now have another account with Bank of America that has been opened without my consent. I made an appointment to talk to someone in a branch since I never received proof of the accounts being closed the first time this happened. A banker called to let me know that the branch can not close the account, and gave me a number to call and instructed me to keep pressing 0 until Im connected to a person. Again, I received 0 information about how these accounts keep getting opened in my name, to my address, without my consent.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally file a complaint against Equifax for their continued failure to investigate and remove inaccurate information from my credit report, despite multiple disputes filed by me. Equifax is not in compliance with federal laws under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of my credit report.

15 U.S.C. 1681s-2 Failure of furnishers to correct and update information that is inaccurate.

15 U.S.C. 1681i ( 5 ) Failure to properly reinvestigate and delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681c ( c ) Failure to remove outdated adverse information from my report.

Despite multiple written disputes, Equifax has failed to conduct a proper investigation and continues to report inaccurate information that is harming my creditworthiness. This negligence and non-compliance with federal law have caused me financial harm and undue stress.

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Equifaxs failure to comply with the FCRA. I also demand that Equifax promptly correct the inaccuracies on my credit report and provide written confirmation of these corrections. 



Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding CApital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate EFTA as it requires timely access to funds. This situations raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Checking or savings account

On XX/XX/XXXX I sent a check by mail to XXXX XXXX XXXX XXXX department for a service I received. I sent a check form my bussiness account XXXX XXXXXXXX for the amount of {$1800.00} pay to the order of City of XXXX XXXX department XXXX. 
2 month later the city of XXXX send me a letter asking again for the payment I told them I mailed the check # XXXX on XXXX XXXX so they will look for that in their statements. 
2 months later they sned me agan the bill so I called them and They asked me for a n image of the check. I went to the wellsfargo office to requested an image they provided the image and I emailed back to the city of XXXX. 2 month later they asked me for a prove that the founds were withdraw from my account so agin went to Wells fagro where they printed an image of the check front and back and the informationabout when this check was deposited or cashed out the information is capture source XXXX paid on XXXX amount {$1800.00} I provided this information to the XXXX of XXXX but on XX/XX/XXXX they told me the y looked for the deposit and tehy cnat find it and they noticed that in the back on the check there is no endorsement so meaining that check cant be paid. but wells fargo withdraw the money form my account and now Wells fargo says tehy cna help me because the time frame to complain is only 30 days. I expalined the reason why took me too lomg to complain but they dont care, besides that I can not understand why they paid a check which doesnt have any endorsement? On This day XX/XX/XXXX Wells fargo called me to let me know that thay cna do anything because the claim was not made in the first 30 days ( I explained the reasons ) so I ask Whoi cashed the check they told me the check was deposit using an ATM but they dont know to which account was credit, so they know when, where was the deposit but they don t know to who? 
I requested the money back but they dont want to help me at all. 
attavhed are copies of the documents
Product: Debt collection

I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine. 
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. 

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX   XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through Experian, XXXX and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Product: Credit reporting or other personal consumer reports

Well I pay all my bills on time never missed a payment I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX been have them for 4 years or more never missed a payment applied for more credit cards always denied my credit score goes up and down but never above what it should be always tell I have to many inquiries and not long enough with the credit cards if XXXX year isnt long enough than I think thats a problem every show a good and honest credit reporting all ways pay bills on time never late why is my credit score in the 500s it not accquicted to me it should be in the XXXX by now Ive kept every receipt from my payments from every company yes I applied a lot of times and the reason that was because I was always denied which I should not have been XXXX XXXX XXXX please Contact me to let me know whats going on in my reports I do want a dispute you can email or mail me a dispute form at XXXX XXXX XXXX XXXX XXXX XXXXXXXX once again thanks you Mrs.Horton