23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover card has reported me to XXXX, XXXX and XXXX as having been 30 days late, I never received a statement from Discover and sometimes do n't get all of my mail and that is why I requested electronic correspondence ( not statements ) and alerts to let me know that I have a new statement, payment, payments when the card is not present etc. I have this with all of my other credit cards and I have an absolutely perfect credit history but unfortunately Discover did n't alert me of a payment due and I did not receive a statement so I was alerted by experian ( I use all XXXX agencies to monitor my credit ) that an event occurred on my credit bureau when I say that Discover reported me for being 30 days late I paid the account in full which was only {$170.00} and spoke to a representative and discussed the situation, they understood but claimed that they could n't help with the lateness, I then called back and spoke to a manager and he told me that my account was NOT set up for electronic communications and then set the account to do so he also told me that he could n't do anything about the past. I continued to discuss the situation but they were unmoved by the situation I have a perfect credit history that I always worked very hard to maintain that has been ruined by this blemish which in some cases dropped my Fico score by XXXX points, I really need somebody to step in and make sense of this situation to the agencies that report credit history and have them understand that the reason this happened is because they failed to accommodate my request to send corespondence via email.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights under 15 U.S.C. 1681-2 ( 2 ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
On XXXX XXXX, the case was brought before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was being disputed due to incorrect amounts, balance transfers that were time-barred and other issues. 
Per the enclosed court transcripts, between Myself, The Judge, Dept of Public Utilities Lawyers and Special Assistant Attorney from Attorney General 's Office. RI XXXX XXXX stated they have put a hold on any collection activities, including trying to collect money from me, shutting off services or reporting the account to the credit bureaus. I have repeatedly asked that the incorrect {$10000.00} amount be pulled from my credit reports. None of the credit bureaus have removed it, nor have they stopped falsely reporting it. 
XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a customer service representative from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whose listed as reporting the false information, per my credit report. She told me that XX/XX/XXXX XXXX XXXXXXXX XXXX the Contract from their office, yet they have not stopped reporting it as a collection debt due, though they were legally advise to stop!!! 
I demand that this falsely reported account be immediately removed from all Credit Bureaus ; Equifax, XXXX, XXXX and any others that might be falsely reporting this inaccurate information. Causing, Slander, Libel and Reputational Harm!!!
Product: Credit card

On XXXX XXXX, I received an email from a company called Chime with whom I have no relationship. It indicated that a card had been mailed. I have never had a relationship with this company and I did not open an account with them. It was impossible to get someone on the line, and they do not allow the account to be closed without a phone call. Someone used my actual information, including social security number, phone number, and a years-old address to open the account. They refused to close the account unless I provided verifying information, which is a problem, because what if it was an elaborate phishing attempt? Looking at XXXX, this has happened to thousands of people, with accounts with this company being opened in their name without their knowledge, using their actual information.
Product: Mortgage

My husband and I were deigned credit for a new primary residence based on the lender 's claim it is an investment and not to be our primary residence for the next 12 months. I have provided evidence it does not conflict with retention of my current primary residence, verification we intend to live in the new primary residence for 12 months, and the letter deigning us the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated ( XXXX XXXX  Account XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account number XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX XXXX, was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I Have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an account investgation with all 3 credit reporting agencies about 3 delinquent payments on for my mortgage that are incorrect. 3 time my mortgage company came back and stated that the information was correct, even though I have evidence to the contrary.
Product: Credit reporting

They will not release my credit report. They have asked me after months of me calling them over and over to send them my drivers license and social security number. I have faxed it to them XXXX times AND sent by mail XXXX. They still have not fixed my credit report. The other XXXX credit agencies have my information correct and they are able to release it to me. Equifax refuses to, even after months of sending them my information. I filed a complaint with the XXXX and all they keep doing is pasting the same answer back to me over and over. Telling me to send in my information which has already been sent XXXX times and they have received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was reached by individuals, acting on the behalf of and/or through the XXXX XXXX. he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform www.btcpro.one, does not have a license to trade regulated financial products such as they advertise on their sites. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, I assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with www.btcpro.one. After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX, -- ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). All payments were initiated through my account with Bank of America , N.A . The bank never warned me about the potential risks associated with those payments. My legal representatives from XXXX XXXX XXXX sent them a letter of demand, claiming compensation on my behalf. As of the date of this complaint, Bank of America , N.A . has not responded to my justified request.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL XXXX LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAION/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to Ford and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can the CFPB look into my problem asap? I'm attaching a letter from the courthouse stating that they do not verify bankruptcies, letter from XXXX XXXX indicating the deletion, and a copy of the dispute from Equifax stating that XXXX XXXX verified their public information. The FCRA requires that they have a verified and validated contract on file for the bankruptcies. MY RIGHTS ARE CONTINUOUSLY BEING VIOLATED and this issue is causing me a lot of stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern, I am writing to formally dispute several violations that have significantly impacted my financial well-being and to request the enforcement of my legal rights as a consumer under applicable federal laws. The violations pertain to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and other relevant regulations. 

Unauthorized Inquiry - XXXX  Violation : Fair Credit Reporting Act ( FCRA ) Unauthorized inquiry without consent on XX/XX/XXXX. 
Billing Error - XXXX XXXX Violation : Truth in Lending Act ( TILA ) Account Number : XXXX Inaccurate information reported despite consistent on-time payments as agreed. 
Various Violations - XXXX XXXX XXXX Violations : Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) Account Number : XXXX Litigation involvement, incorrect high balance, inaccurate date of last activity, re-aged accounts without proper notice, false representation of debt status, improper communication of credit information. 
These violations have had a profound and distressing impact on my life. I would like to share a personal story to illustrate the emotional toll and hardship these violations have caused. 

[ Share your personal story here. Describe how these inaccurate accounts have affected your ability to secure housing, employment, or financial opportunities. Explain the stress, anxiety, and frustration you've experienced due to the false information on your credit report. Be detailed and convey the emotional impact as vividly as possible. ] Given the significance of these violations and the severe repercussions they have had on my financial and emotional well-being, I kindly request the following : Thorough investigation and enforcement of the violations outlined above, including appropriate penalties for non-compliance with federal consumer protection laws. 
XXXX removal of the unauthorized inquiry by XXXX from my credit report. 
Correction and update of the inaccurate information provided by XXXX XXXX on my credit report, in accordance with the Truth in Lending Act. 
Removal of all inaccurate and unverified information associated with XXXX XXXX XXXX from my credit report, as required by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other applicable laws. 
I am deeply committed to resolving these issues and restoring the accuracy and integrity of my credit report. Your intervention is crucial to ensuring that my rights as a consumer are upheld and that I can regain control of my financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a swift and just resolution of these violations. Please keep me updated on the progress of the investigation and actions taken. 

Sincerely, XXXX XXXX
Product: Debt collection

I have repeatedly told XXXX XXXX XXXX ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. XXXX XXXX XXXX calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Please assess and investigate the accounts that are not entirely accurate. I request the prompt block
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

XXXX. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under sectio

n 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Having problems with XXXX removing inaccurate accounts form my consumer report.
Product: Credit card or prepaid card

I am seeking restitution of overcharges billed to my Nordstrom Visa account during a recent trip to XXXX. I was charged {$2600.00} for coffee, spices, a tshirt and two scarves purchased at a souq marketplace. I should have been charged around {$260.00}, or ten-percent of what was billed. 

I have reached out to the tour guide who took me to this merchant. I have also exchanged text messages with the merchant. Nordstrom Visa ( run by TD Bank ) has abandoned this claim because they have only the merchants receipt. The bank is not interested in talking with the merchant or the tour guide who was involved in the transaction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

See the following attachments regarding the short sale in XXXX for property we owned in XXXX, NY : 1. Letter XXXX from Wells Fargo - Short Sale Approval. 
2. XXXX Statement XXXX Wells Fargo - XXXX loan balances shown. 
3. XXXX Form XXXX {$140000.00} for Mortgage Loan - XXXX. 
4. XXXX Form XXXX {$79000.00} for Home Equity Line of Credit - XXXX. 
The total is {$220000.00} for both XXXX Forms XXXX See page XXXX of PMA Statement for Loan balances totaling {$500000.00} + {$91000.00} = {$590000.00}. The Short Sale Approved was {$390000.00} shown in the Wells Fargo Letter dated XXXX XXXX, XXXX. The loan balances less the sales price equals {$190000.00}, which we were anticipating the total for the XXXX Forms XXXX, not the total {$220000.00}. 
After many transfers to different departments, I spoke to several persons on XXXX XXXX, XXXX requesting proof of how the XXXX Forms XXXX were calculated. I was told that a " Work Order '' would be sent to the department which issued the Forms XXXX so we would receive the information in 10-12 business days. 
As of XXXX XXXX, XXXX no information has been received from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP
Product: Credit card

I was a Wells Fargo customer with their Wells Fargo Visa XXXX which gave XXXX points per {$1.00} spent at drug stores and grocery stores. I bought prepaid cards as defined legally as " XXXX '' by the CFPB. The T & Cs from Wells Fargo state we can not buy cash equivalents such as money orders or pre-paid gift cards. " XXXX '' is explicitly defined as NOT a gift card by the CFPB. Furthermore, cash equivalents have a definition as well. Cash equivalents include all undeposited negotiable instruments ( such as checks ), bank drafts, money orders and certain certificates of deposit. Of which, a XXXX '' is none. 
I received a letter asking me to cease buying prepaid cards or they would shut down my account. I did so immediately but nonetheless they shut down my account and took all the rewards I had earned which totaled {$5000.00}. I contacted Wells Fargo 's XXXX office and complained that I had done exactly what they had asked but still they closed my account and took all my hard earned rewards where in the end I lost money. 
I get that they can terminate the relationship at any time, but they should n't be holding back rewards, as what I did was not in violation of the contract.
Product: Debt collection

They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't. 
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}. 
I have no idea how this happen or how i owned that amount to anyone!!!
Product: Money transfer, virtual currency, or money service

I started working with Freedom Debt Relief to settle 7 debts valued at {$67000.00} in XX/XX/XXXX. Included in those debts were creditors XXXX XXXX, XXXX XXXX, and XXXX Card Services. I found out later that these creditors do NOT work with debt settlement companies a fact that was confirmed when all three creditors filed lawsuits against me. I ended up paying XXXX XXXX in full, negotiating with XXXX Card myself after entering into a settlement agreement. In XXXX, XXXX, I called Freedom Debt Relief to ask how much it would cost to settle up the four remaining debts and get out of business with them as I was very dissatisfied with the service they provided. They told me the amount was {$19000.00}. I cashed out my XXXX to pay them and my other creditors off. The payment cleared their accounts on XX/XX/XXXX and to date they have not paid out all the monies to the 4 creditors they actually had settlements for. In addition to add insult to injury, they attempted to withdraw an additional {$540.00} from my account AFTER receiving my payment of {$19000.00}. I would like to get my settlement fees refunded to me because I am really not sure what I paid over {$10000.00} for. My credit was destroyed ; my good name was sullied because of multiple lawsuits ; my future has been impacted by me taking money out of my retirement account just to climb out of this mess. These people should not be in business.