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

On XX/XX/XXXX, I contacted Experian to dispute an account on my credit report from XXXX due to reporting errors on the part of XXXX that extend the statute of limitations of this account reporting. XXXX is currently reporting that I was 30 days past due in XX/XX/XXXX, no data reported in XXXX XXXX, 60 days past due in XX/XX/XXXX, and 150 days past due in XXXX of XXXX. I stated that I wanted to dispute the item because the delinquencies they reported did not add up. How can you be 60 days late in XXXX and 150 days late in XXXX. I then asked that the account be deleted because XXXX was misrepresenting the data in an attempt to illegally extend the statute of limitations on reporting. On XX/XX/XXXX I received dispute results from Experian stating that the item was returned from XXXX as VERIFIED. I have disputed this account on numerous occasions since XX/XX/XXXX and it remains on my credit report consistently reporting incorrect data that Experian and XXXX refuse to remove. I would like XXXX to remove this trade line from my credit reports as they continue to report inaccurate data and continue to falsely and illegally manipulate the statute of limitations for credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through XXXX  and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. Wells Fargo verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through XXXX. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple XXXX and wire transfers. So i did XXXX dollar through XXXX XXXX transactions to XXXX XXXX and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from Wells Fargo that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone. 

But my disappointment is why Wells Fargo verified, processed, and cashed a false check. Now I lost XXXX dollar of my savings for my XXXX son. I'm a single mother and this is really difficult for me. 

Reference number of cases reported to Wells Fargo - XXXX - XXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian,  XXXX , and   XXXX   in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US ba nkruptcy court. I sent a letter to  the US Bankruptcy court on    XXXX   XXXX ,    2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work  with the bureaus directly. I Then sent a letter to Experian  XXXX , and  XXXX  on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided Experian,  XXXX , and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and they told m e the same thing.
Product: Debt collection

By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XXXX XXXX XXXX, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD
Product: Checking or savings account

They delay the deposits and credits on purpose and they reflect the transactions when the funds are low so they can charge overdraft fees. 

this happened to me 10 times in this year. I request full refund of my overdraft fees.
Product: Checking or savings account

I received a postcard that my address was changed for two accounts a XXXX debit card and an everyday checking account with Wells Fargo I never open it an account with Wells Fargo and my credit has been frozen for many years. It is very surprising to me that an account could even be opened with my credit being frozen like this. I asked for investigation and a resolution the investigation they said would take 45 days and we have no idea if it will be resolved or not but the fact that this even happened is worthy of a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}
Product: Credit card

We ordered a product and then found out it was on backorder so we canceled it and the company accepted the cancellation and claimed tohave refunded the Discover credit card, but they never removed the charge from account, even after we submitted the email proof.
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card

I have had a chase amazon visa card for many years. One of the features of the card was a payment plan, where you can space out a payment over time. In the past, there was no charge to do this for certain Amazon purchases. When I was prompted to decide if I wanted to use the no interest payment plan for 2 purchases in XXXX I clicked yes. The plan is called 'Chase pay over time SM '. Nowhere did it state that I would pay a monthly fee for this, or what the fee was. I had been seeing small fees on my statement every month, but assumed it was a balance. I finally went back over several months and called the vendor. They said they were not charging me this fee. 
I called chase, who then escalated to a supervisor when I said that I had not agreed to this fee, and it made no sense to pay. The supervisor said his name was XXXX XXXX and would not give an identification number. He said that I could not exit the plan, and the fees would be charged until I paid off my entire balance. I am suffering a hardship and have run the credit card to almost the max. I can not afford to pay off the entire balance in order to exit a misleading program. He refused to transfer me to someone else, or to send me any paperwork or statement detailing the plan terms, or show me where I had agreed to pay a monthly fee. He refused to terminate the pay over time plan and put it back into a regular plan. 
Chase is misleading customers. Anyone can exit a contract at any time for anything else, yet they are binding customers into a plan where they have not outlined the terms. They are taking advantage of indigent and low income customers, and tricking them into more fees. I was also denied a hardship payment plan overall for the card, and am still paying a huge interest fee. I would like someone to investigate their credit card false advertising and misleading practices. I want to exit this plan. 
Please see attachment where I screenshot the plan, there is no info about fees
Product: Credit card or prepaid card

On XX/XX/XXXX, I was made aware via incoming mail that a BJs visa master card has been opened and established under my name ( balance amount : {$4300.00} ). I did not apply, sign for or authorize the creation of this account and further am not responsible for any of the charges made to said account. On XX/XX/XXXX, I dialed the number listed on the statement and informed representative XXXX XXXX XXXX in the fraud department of what had occurred ( phone numberXXXX ). I was informed by XXXX that they froze and canceled the account today ( XX/XX/XXXX ). Furthermore, I went to the XXXX XXXX Police Department ( 3rd Precinct ) and filed out an identity theft report ( CC # : XXXX ). Please advise on next steps with regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never paid this account 30 days.they always report wrong payment information. I put a dispute in about 3 times against this company. See the attached
Product: Debt collection

Regional Finance XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX I paid the company off in 2015, and they still have a judgement on my property, and my bank refused to give me a loan to fix my leaking roof, until Regional Finance, issues a release of judgement off my property. I am a XXXX year old XXXX senior citizen, and I need my leaking roof repaired ASAP. This has been an ongoing battle for the last few months. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion several time in efforts of having the incorrect information removed from my credit report. Unfortunately, the customer service agent I was connect with would not help and take care of the negative inquiries reporting to your credit report. After informing them that I was a VICTIM of their inquiry issue. 
I have listed the inquiries below : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Product: Mortgage

Was informed on XX/XX/XXXX via email that my Freedom Mortgage loan was being transferred to XXXX XXXX, and that my auto-payment would be cancelled. I also received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating the same. Because I did not have any account information for XXXX XXXX  yet and would be unable to make a payment directly to them, I went onto Freedom Mortgage 's website on XX/XX/XXXX to schedule a manual payment of the loan for XXXX ( in the amount of {$2100.00} ), knowing that it would be forwarded to my new servicer. This scheduled payment was successfully confirmed on their website. Noticing that the payment had not gone through by XX/XX/XXXX, I went onto Freedom Mortgage 's website, and discovered that they had silently cancelled the payment I set up on their website without notifying me!! 


I then scheduled a billpay through my bank ( XXXX XXXX  ) to pay Freedom Mortgage directly, and XXXX confirmed that it was paid electronically to Freedom Mortage on XX/XX/XXXX. 



I called Freedom Mortgage on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire on the status of the payment, and each time was told that the payment was not received. The customer service staff were adamant, each time, that the payment had not been received by Freedom Mortgage, even though I had confirmed with my bank that the payment was sent, electronically, directly from XXXX  to Freedom Mortgage on XX/XX/XXXX. They had no way to elevate the issue and investigate the missing funds. They also insisted that it was no big deal, given that I had a 60 day grace period due to the loan servicer transfer, and would not be charged any fees or have a credit score impact, regardless of whether the payment was actually received by them or not. However, based on 12CFR1024.33 ( c ), this only applies if they receive the payment, and since they are claiming not to have received it, it is unclear that this grace period would actually apply. 


Given this, to avoid late fees and the impact to my credit score, I have separately made payment to my new servicer ( XXXX XXXX ), and am attempting to get Freedom Mortgage to return the funds to my bank when they find them, however, they are insisting that they need to forward them on to the new servicer. This would lead to me having double-paid my mortgage payment for XXXX, and severely impact my budget and ability to pay my other bills.
Product: Bank account or service

I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 those account to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Debt collection

Capital Accounts call and portray to be a law firm and have matters in their office for me. they have also called two family members and left voicemail about a a debt for my self. I have dispute this item on several occasions with the credit bureau, I have sent written letters to have this taken off my credit asking to provide validation of this debt there are trying to collect but will not provide mw with the information. They harass me regarding an account that they will not provide me information on.
Product: Credit card

I submitted a credit card application for the Paypal XXXX XXXX on XX/XX/XXXX. 

I received a notice in the mail around 2 weeks later that I was denied due to fraud concerns ( I opened a few new lines of credit around that time ). 

I called Paypal to ask about when I can reapply to the card. They advised me to call XXXX XXXX. 

XXXX XXXX  mentioned that I can re-apply 30 days after I was originally denied. 

I tried reapplying 61 days after my original application, and I am still greeted with a " Sorry, we can't offer you this card right now '' error message. 

I called PayPal, who mentioned that they did not control the eligibility of when members see this screen. 

They transferred me to XXXX XXXX. I escalated at XXXX XXXX mentioned that they did not control when members see the application form on Paypal 's website. 

I called PayPal again to ask about when I can re-apply. At first, they mentioned that I can re-apply 30 days after the original application. Once I mentioned that it's been 61 days, they mentioned that they are not sure when I'll be able to re-apply. 

The lack of specificity in their replies leads me to believe that they do not have a policy that mentions when denied applicants can re-apply again. This is concerning and may not provide equal opportunity to applicants that were denied in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, XXXX and XXXX. I was successfully able to remove information from XXXX  and XXXX. However, XXXX  and the collection agency Transworld Systems/51 has given me a very hard time. I sent a certified letter to Transworld Systems asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to XXXX. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by XXXX  on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 XXXX has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either XXXX  or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over XXXX days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.