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

At some point in history, Equifax changed my ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... when in fact it is XX/XX/XXXX.. Have talked to countless representatives from XXXX ( ? ), numerous faxes were sent over the past 4 weeks that included my birth certificate, social security number, drivers license and a utility bill trying to get my information corrected so that My family and I could continue with the process of getting a mortgage. Even created an account with the Equifax membership program to resolve this issue. All these efforts have actually changed my sons ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... instead of his XX/XX/XXXX actual date of birth. Again, sent information that confirms his identity .... How do I fix this??
Product: Bank account or service

XX/XX/2012 I walked into a WellsFargo branch office in the City of XXXX California. I asked to speak to a manager. I told them that I had received a letter that I owed $ XXXX+ dollars and wanted to know why. I was told it was because I was not using my checking account. I told them I have never opened an account with them at all. I told the manager, I come in to make my mortgage payment and the teller usually asks if I am interested in an account and I always said no thank you but took information about their account services. The manager said he showed I had an account but they could not find any proof of me signing any documents or having an account other than what they showed on their computer. The manager told me that since my Mortgage is with Wells I can open an account and wo n't be charged fee 's at all for having an account with them and that he would take care of the $ XXXX+ fee and remove it. So I went ahead and opened a new account Note it was not the same account number they claim I had. It was a completely new account. About 5 to six months later, I get a letter from Wells Fargo that they debited the $ XXXX+ because they said I owed them the money. I went back to the branch three more times in the period of several months to resolve the issue and get my money back and it was never resolved. I felt stupid and crazy because they said I owed them the money. Now I find out that many WellsFargo employees were committing fraud and realize that I am one of the victims. I want my $ XXXX+ dollars back. It 's not even about the money it 's the principle, how can someone open a bank account without your knowledge or consent then charge you the fees. At the time I was a struggling single mom and that {$60.00} was a week worth of groceries and lunches for my kids. They got me to go into the branch and open a real account and then still charged me fraudulent fee.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Our loan officer with XXXX told us she was going to contact the VA to see how much we would qualify for on a home loan. 
Next AmeriSave contacted my husband and asked for our credit card information to run a hard credit check for a pre-approval. Since they already had so much of our info we thought they were part of the VA half of the process. They took the money, ran a second hard credit check on my husband 's credit, and mine, before we understood that companies like this get our information from the credit bureaus and have nothing to do with the original process. 
We now have an unnecessary and unwanted mark on our credit reports, which will have a negative influence on our credit reports and borrowing ability. They also wasted our money. As first time home buyers this has filled us with XXXX, mistrust and is a waste of time while we should be working to save for a down payment. 
My husband has tried calling to get a refund and get this fixed, but no one has answered during business hours when he called the customer service number. We have, instead, gotten calls from other branches of AmeriSave to try and have us a secure a loan with them even though he and our loan officer has told them to put us on the " do not call '' list. My husband was able to explain this when he called back and got the customer service number. 
We did not know this could happen until it was too late. We hope that by reporting this we can save others from this experience. We hope the bill passes through Congress to make this predatory behavior stop. 

Thank you for your help, XXXX
Product: Checking or savings account

Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Capital One Bank, account number Finance Charges and Credit Indebtedness : It has come to my attention that Capital One Bank has not credited my account with dividends derived from treasury coupons via the XXXX Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. XXXX Forms : Additionally, Bank XXXX XXXX has failed to provide me with all copies of Form XXXX for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Product: Debt collection

The company ( CONVERGENT ) called saying they were going to report a negative remark to my credit report if the amount wasn't paid in full ( {$1000.00} ). I received the call XX/XX/XXXX. I explained to the REP I didn't owe the amount they were claiming I owe. I asked the REP to send me proof that I owed the debt in question.
Product: Mortgage

We were told to use a home equity line of credit to pay for the down payment on the purchase of our home. We then moved XXXX and lost our renters. We stopped payment on the home in XX/XX/XXXX and was foreclosed in XX/XX/XXXX. This line of credit was written off but still shows on our credit report. We 'd like to have it removed on the account of prolonged processing and hardship.
Product: Checking or savings account

First Citizens bank ran a promotion back in XX/XX/2020 for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I can confirm that I opened both checking and a savings account with them on XX/XX/2020 and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied crediting it. I believe I am entitled to receiving the bonus based on the terms listed and need your help in this regard.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. 
I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting

I disputed this information 5 times and Equifax refuses to acknowledge their error. Please see my latest credit report from Equifax dated XXXX XXXX where they are reporting a date of XXXX as bankruptcy date. please see attached bankruptcy papers from XXXX bankruptcy courts showing a date of XXXX. Equifax refuses to change this error and continues to allege their reporting is correct it is causing me great financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. XXXX has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with Experian. Experian will not remove this account from my credit report without a written statement.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Factual Data XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX
Product: Debt collection

We received a letter about collecting a debt from Account Services ( absurdly enough, that appears to be the actual name of the company ). The letter stated that it was regarding XXXX XXXX XXXX and the claim ID is : XXXX. None of this means anything to us as this is the first we 've heard of any of this. So my family member who is also an attorney offered to reach out and get the necessary information to find out what this is about. She called and the person in charge of the account refused to give her any information over the phone as I was not present so then she requested that they send me information about the claim in the mail, just as they did the collection letter. She did not request it to be sent to her or require them to give her any information as they refused, but merely requested that they send the information to me using the address they already have on file for me. The representative refused to acknowledge this request even though she repeated it multiple times so she asked why he was refusing to provide information to the person from whom he was trying to collect a debt and he ended the call by saying that collections would continue. But I will not pay a claim that I do n't know anything about and do n't even know if it 's a legitimate claim on me and he refused to send any information about it, even though he could easily do so since he obviously has my address.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$11000.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX has used multiple debt collectors Like Ad Astra located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the eastern daylight time zone while California is in the pacific time zone . I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : XXXX, # XXXX Account name : XXXX # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I received a letter on XX/XX/2020 dated XX/XX/2020 from Global Lending Services ( GLS ) that in regards to my auto loan, my financial obligation to them had been satisfied in full along with an enclosed check for supposed overpayment on payoff. In turn, I checked my credit reports and the auto loan account showed as closed. On XX/XX/2020 I called GLS and spoke with a representative named XXXX in attempt to find out the current standing of my auto loan and provided her with the information on the letter I received in XXXX and the status of the loan on my credit report as closed. She stated that contrary to the letter I had received, I still owed on the account for the three past due months and should continue sending in the monthly payment to keep the account current. I questioned XXXX that although I am willing to make the payments to the auto loan, how will resuming payments reflect on my credit report if the status shows as closed. In conclusion, XXXX stated that she did not know the reasons as to why I received the letter in XXXX or why the account status showed as closed on my credit report and that this issue would be forwarded to her superiors.
Product: Credit reporting or other personal consumer reports

Dear XXXXXXXX XXXX and Credit Bureaus, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with XXXXXXXX XXXX, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with XXXX XXXX I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is XXXX XXXX  's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet XXXXXXXX XXXX keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with XXXX website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within XXXXXXXX XXXX system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge XXXXXXXX XXXX to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

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

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
The accounts in question are listed below : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Credit Reporting Act, 15 U.S.C 1681g I have a right to demand that you disclose me all of the documents that you have recorded in your file at this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my my credit.
Product: Debt collection

18U.S.C 8 15U.S.C1691, 15U.S.C.1692e ( 3 ) ( FCRA ) -15 U.S.C 1681et seq the term " defamation '' means any action or commuinication that injures a person. 28 section4101 provides for pupose of a civil action for defamation.