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

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have unauthorized activity on XXXX open accounts. XXXXXXXX XXXX XXXX XXXX XXXXXXXX late payments account updated payments {$XXXX}. false update past due as of XX/XX/year> client did pay {$XXXX}. XXXX XXXX account XXXX {$XXXX} closed collection account didn't give permission to sell this account. XXXX XXXX XXXX sold unauthorized account number XXXX. XXXX XXXX Account XXXX account number XXXX sold my information without my permission. XXXX XXXX XXXX XXXX XXXX XXXX sold account without my unauthorized account. XXXX XXXX XXXX XXXX sold without my permission. XXXX XXXX XXXX XXXX debt buyer sold without my permission. Hard inquires Capital XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my XXXX  credit report. Capital has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

XXXX  has deleted this item on XX/XX/XXXX report # XXXX, which they verified with Capital One that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

Capital One also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand Capital One to stop contacting me about account # XXXX and remove their negative reporting from my XXXX   credit report.
Product: Credit card

1 ) this company keeps charging interest fees on a closed credit account.

2 ) they have committed trust fraud for maleficense of office by not doing their fiduciary duty that i granted them!

3 ) they have illegally stolen the 2 negotiable instruments for payment in full that was legally endorsed i sent them certified mail 4 ) stated in ( ucc3-603 ) tender of payment is to be discharged upon denial or rejection of payments for any obligations or services performed 5 ) they have repeatedly reported illegal consumer transactions to the credit reporting agencies without my written or verbal consent 6 ) they are continuing to violate and commit felony fraud by discriminating and denying me access to my unlimited credit as i am the creditor and i create the credit by using my endorsed signature
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX was able to take XXXX from my account while it was locked. I asked for a refund and on this happened on multiple separate occasions they denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

D & A Services, XXXX XXXX, Illinois sent us a collection notice for {$3500.00}. I tried telling her we paid this in a credit consolidation in 2017. She continued to insist we owed it so I made the mistake of giving in to her because we do not want to be sued. She insisted that I provide her with my bank account routing number, account number and said she was post dating the check for an amount of {$1500.00}. 

I am stopping payment on this check tomorrow and hopefully its not already been processed, but this was illegal for her to request this information per the laws Ive been reading up on. 

We have paid this years ago, I have XXXX and XXXX and have trouble trying to remember the name of the agency we went through. I am XXXX and so is my husband and we are on a very limited income and can not afford to pay this twice. 

Would you please help us get this matter reserved? 

Our number is XXXX. The D & A # for them is XXXX and reference # XXXX. 

Thank you. 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches. I have never received any response or notice from XXXX XXXX XXXX XXXX XXXX XXXX I do not know XXXX XXXX XXXXXXXX XXXX XXXX nor do I have a contract with them, EXPERIAN has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Product: Money transfer, virtual currency, or money service

Money transferred using moneygram website, with help of their partners, XXXX XXXX XXXX, in XXXX to transfer money from XXXX AUS ( Australian dollars ) to XXXX ( XXXX  pounds ), on XX/XX/2023. Entered XXXX bank account number in receiver information, as per representer from partner advised, as cash option was not available to choose from on website. 

Money was not accessible from XXXX XXXX XXXX, after transaction made. Error message ( attached ) advising transaction exceeds limits. Receiver visited few branches of same bank, banks confirming that they can not give cash in XXXX  pounds, as per their agreement with moneygram, hence that error comes up. Eventhough, transaction went ahead, accepting this currency. 

Sender ( myself ) complained few times to moneygram.Last outcome of case number XXXX XXXX, rejecting my refund request as money received by partners, eventhough, unaccessible.
Product: Checking or savings account

My account was locked XX/XX/2020. I called the bank to ask why my account was locked, but I was denied any explanation. I was told it will take 7-10 business day to process the account for closure and another 7-10 business day to mail my balance in form of a cashiers check. I later called them after 4 weeks and was told that my money cant be released because they want to be sure the fund was meant for me. I called again and was told to bring evidence to the local branch to proof the money was intended for me. I submitted the proof on XX/XX/2020 and I was told the evidence has been approved that my money will be mail next business day which XX/XX/2020. I later received a call XX/XX/2020 from XXXX and his supervisor that they can not release the money because they want to further investigate the money. This is being ongoing for over a month. The money that is being held has verifiable source which IRS for my tax return and my unemployment benefits. This is frustrating. I am out of job right now due to COVID-19 and chase bank is holding my money for no reason. I am beginning to believe theres more to this. I want to believe I am being discriminated against because of my name. Please help me to reach out to them to release my money.
Product: Credit card or prepaid card

I have a issue with Simmons Bank credit card, I ordered a Priming pot from XXXX on XX/XX/2021 for {$99.00}, in some odd way a company in New York named XXXX  XXXX XXXX XXXX XXXX XXXX XXXX got involved in the transaction with XXXX. XXXX sent me an email invoice and XXXX  XXXX XXXX sent me an email invoice. I received the pond pump Priming pot but I did not like it, so I requested a refund through XXXX  XXXX 'XXXX, we exchanged a couple of emails about returning the Priming pot, but I remembered that I purchased it through XXXX, I requested a refund through XXXX and they gave me a return slip, and later I received my refund for {$99.00}. I bought a different priming pot from a XXXX, XX/XX/2021, for {$120.00}. When, I received my Simmons billing statement I was charged for {$94.00} by XXXX XXXX. With explaining my dispute with a Simmons agent he got confused, but I told him that I wanted to dispute the charge. Simmons, supposedly, put in the dispute and ruled in my favor, yet on this date XX/XX/2021, I noticed that I have a charge, again, of {$94.00}, from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, after receiving a different card and number from Simmons Bank credit card. XXXX XXXX sent me an email, during my first inquiry about the charge, explaining that they had nothing to do with the first charge. Simmons sent me another card, about two weeks ago, but I am being charged again for something that I did not purchase on my new card number for the same amount of {$94.00}. Customer service for Simmons Bank credit card, claims that the charge came from me. I have put a freeze on the account. I am shocked that, Simmons found that I did not make the first charge for {$94.00} but now two months later they are saying that I am billed, and have to pay them for a purchase that I did not make.
Product: Credit card

I had XXXX lines through XXXX XXXX XXXX XXXX and XXXX XXXX. I switched to XXXX XXXX XXXX lines because I never needed a XXXX line, it was just the promo from XXXX XXXX XXXX. I called XXXX XXXX XXXX  to disconnect my internet and wireless. They disconnected my internet and told me they would disconnect the wireless. Spectrum ported my numbers but I noticed XXXX XXXX XXXX  was still billing me. I reached out to XXXX to disconnect the XXXX line that was never activated, i.e. I couldn't port the number. I opened a credit request with them because the said XXXX XXXX XXXX wont refund but will credit my account. I told them I have no use for a credit on a closed account, they said it would take XXXX - XXXX weeks. Prior to the charge I reached out to my Discover card support to dispute the charge. They said I had to let it post first. Then I called and they said it was a recurring charge that I can't dispute for XXXX  amount of days. I waited and filled out a dispute with Discover. They said XXXX XXXX XXXX would have to provide documentation to prove I owed them the money. That's impossible because I don't owe them so I wait for the resolution. Discover sides with XXXX XXXX XXXX now I'm out money for a line I never ever utilized for an extra month. Meanwhile I'm paying for XXXX. I've spent hours and hours in chats, phone calls, and emails. Nobody at Discover will help me stop this fraud and poor business practices by a known to be XXXX XXXX XXXX XXXX known as XXXX XXXX XXXX. XXXX XXXX XXXX did the same thing to me a decade ago. Charged XXXX  months for a service I couldn't use.
Product: Credit card or prepaid card

The promotion rate of my Bank of America Visa expires this month. I told the bank that I wanted to transfer the balance to a new card. I was told when I opened the new account that I should call to do the balance transfer when I get the new card. I received the new card today and called the bank to do the balance transfer as I was told to do, however when I called I was told that Bank of America can not pay off another BOA credit card. I was totally mislead. If they can not transfer the balance I want the account removed from my credit report and also remove the inquiry. BOA case # XXXX.
Product: Credit reporting 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 accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 corrected : 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: Mortgage

Wells Fargo did a loan modification of the principal balance which we did not agree to. 

We confirmed deferred payments added to the end of the current Maturity date with XXXX in XXXX XXXX in XX/XX/XXXX. 

The loan modification was done without our consent nor with any prior information from Wells Fargo and we were not informed of the deferred payments principal balance being added to the original principal until XX/XX/XXXX. 

Wells Fargo can not add the deferred principal payment to the principal value! They are lying when they say they the total amount that will be paid has not been affected. It has been affected. They have added over {$18000.00} to the total amount of the mortgage. 

We've been going round and round with them. Here 's the content of the fax I just sent to XXXX : FAX TO : Wells Fargo Home Mortgage XXXX : XXXX XXXX XXXX : XXXX From : XXXX XXXX RE : Account # ending in XXXX Dear XXXX, Per your request, XXXX in Home Preservation confirmed that the Covid deferred payments would be moved to the end of the loan not added to the principal balance. 

At no time did you ever warn us that instead of being deferred, you would be adding the deferred payments to the principal. The first notice we received was on a statement after we resumed payments. 

You can not add the principal portion of the payments to the principal. That is a loan modification which at no time did we ever agree to. 

Please remove the second principal balance and defer the payments to after the current maturity date of XX/XX/XXXX per the information Wells Fargo sent to us during the Covid forbearance process and as we agreed upon with your agents. 

Further correspondence is requested to be electronically sent to : XXXX Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and they also own XXXX now and experian.com paid customer {$24.00} month membership includes real time XXXX XXXX XXXX, Experian XXXX is XXXX XXXX customer US Social Security # based consumer USPS address changes, age, Algorithm info, GPS and online search engine history, credit inquiries et mas For sale to and also buying from multiple individuals persons. ONLINE APPS, WEBSITES, AGENCIES BANKS, NCUA FEDERAL CREDIT UNION, PAYDAY LENDERS, HEALTH IBSURERS, CAR. LIFE INSURESERS, HEALTHCARE SIMULATION PAID HUMAN FIELD MONITORS for huge US and Foreign currency amounts and has XXXX XXXX XXXX category and Seperate FICO SCORES ONLY BANKS, MORTGAGE COMPANIES AND INSURERS XXXX SEE XXXX POINTS LOWER THAN PAUD SCORES EXPETIAN CONSUMERS RECEIVE FOR {$24.00} A MONTH.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged. 

1. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I discharged the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). 

XXXX was sent a copy of the 1099-C as required, notifying them of the debt cancellation.

3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a XXXX represents the permanent cessation of the obligation. 

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ).

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate XXXX  improper debt collection practices. 

2. Require XXXX to cease all collection efforts on this discharged debt immediately.

3. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt.

Any collection notices received after the discharge. 

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

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

I contacted XXXX XXXX in regards to not being able access my consumer  report. I spoke with XXXX. he was unable to access my consumer report an referred me to online dept. Where I spoke with XXXX who was very robotic in repeating her script and not listening to nothing XXXX  was saying. 
She stated I couldn't get access to my online report for another 30 days when the XXXX XXXXXXXX XXXX  report says can have access to every 7 days. However I never got access on the XXXX which is why I was referred o see if they can access it yet the XXXX XXXX XXXX stated she could not access and gave me a case number XXXX XXXX XXXXXXXX I told I have not got a report in XXXX years due their inaccurate reporting being and issues passing the verification. She kept robotically repeating the same script over and over so I asked for a XXXX she connected me to XXXX  who handled my request like a child. I told him I never gave access for them to report my info and I need to see a document with my signature and XXXX stated that he had it I said how I never even signed anything Then Supervisor XXXX  said They don't need to follow that process when I stated that 15 USC 1681b that they must have XXXX XXXX 
I just opted out of XXXX with the same information and they respected my request and opted me out. 
Why is XXXX  being neglectful and down right disrespectful with my consumer report when they just got sued this year? 
I have screenshots. 
I am seeking damages and I want my part of XXXX recent and current XXXX XXXX XXXX {$23.00} XXXX. They have caused me homelessness and mental anguish. I have not have a place in my name in over 10 years. 

I need XXXX  to stop reporting false information. I just applied to XXXX XXXX XXXX today and they I had to put down a down payment of {$100000.00} due to XXXX  yet my score with XXXX is XXXX They need to be shut down because clearly
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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