23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX communicated incorrect and inadequate information regarding payment due date and statement cycle end date. Representatives have communicated multiple varying due dates each time I contact them.
Product: Money transfer, virtual currency, or money service

I transferred XXXX from my XXXX XXXX  account to Wells Fargo Bank to invest in Crypto in XXXX of XXXX. Come to find out it was scammers who stole the money from me and they were using XXXX XXXX and Wells Fargo to do their business. Im trying to find an Attorney to help me with a class action against Wells Fargo and XXXX XXXX. Im trying to get my money back. Wells Fargo refuses to return my money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Required for FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing urgently to address significant discrepancies recently uncovered in my credit report that violate the Fair Credit Reporting Act ( FCRA ). The persistent presence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after XXXX or XXXX years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I anticipate prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

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

XXXX XXXX wrote a liability property insurance for my residence. That account number is XXXX. It was for XXXX XXXX XXXX XXXX, # XXXX, XXXX, Illinois. 

I cancelled the policy by letting it lapse. I decided to not renew the policy. The premiums doubled during the course of one year. The anniversary of the policy renewal date was XX/XX/2022. I was paid up through XX/XX/2022. I no longer needed the policy. 

XXXX XXXX assigned {$80.00} to XXXX XXXX XXXX XXXX, Ma. That Collections was reported to the three major credit reporting agencies. I disputed the account. XXXX and XXXX immediately removed or deleted the account. I received a confirmatory email within a few minutes from both. I disputed the same account twice with Equifax and they " verified '' and refuse to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to have to make a late payment on my car due to wildfires in CALIFORNIA in XXXX of 2019. I called XXXX  XXXX auto and spoke to a very nice representative and was assured that I would not receive a 30 day late charge due to the natural disaster, as we were evacuated from our homes due to the wild fire. I made the payment when I could and even after being promised that I would not get a late payment one showed up anyway. I have called XXXX XXXX auto 3 different times even after I paid off the loan entirely to try to get this late payment removed and they say the same thing every time. XXXX XXXX reports all late payments by law and can not change them. Please help me with this as its greatly lowering my credit score. I have 2 credit cards with capital one with Exceptional payment history.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence i provided causing ongoing harm to my credit standing am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer
Product: Mortgage

I am a 100 % Total and Permanent XXXX veteran. As a result, I am exempt from paying taxes on my mortgage. The exemption shows up on the XXXX XXXX XXXX XXXX and I've provided the Mortgage Company with all of the tax exemption paperwork before my first payment was made. But the mortgage company, Benchmark Mortgage is still escrowing my account and adding tax payments. Each time I contact them to dispute and discuss the topic, I'm put on hold or the telephone disconnects. 
I've given up on trying to resolve this issue with them. 
To date, taxes are still being included in my mortgage payment. Filing this complaint was my only option as I am not getting any cooperation from the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against the 3 credit reporting agencies of TransUnion, XXXX, and XXXX for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX under account number XXXX.Said improper reporting incorrect or invalid information violates the FCRA and due process of federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both TransUnion and XXXX are reporting the high balance on this account as XXXX. Contrary, XXXX is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both TransUnion and XXXX are reporting date of last activity as XXXX. Contrary XXXX is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both XXXX and XXXX reports are void or missing Date opened. XXXX. Also, both TransUnion and XXXX are reporting date of last payment as XXXX. Contrary, XXXX is reporting Date of last payment as XXXX. Both dates can't be correct. XXXX. Also, both XXXX and XXXX are reporting completely different payment history as to days late on two year payment history calendar. XXXX reports 30 days late in XXXX of 2021 and XXXX reports 60 days late in XXXX of 2021. XXXX again reports 60 day late in XXXX of XXXX  and XXXX reports 90 days late in XXXX of XXXX. Then XXXX reports 90 days late in XXXX of XXXX and XXXX reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then XXXX report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments XXXX says the consumer has XXXX 90 days late compared to XXXX reporting the consumer had XXXX 90  days late. Both differ and both can't be correct. A copy of the XXXX XXXX XXXX 3 bureau report is included in this complaint for review so all errors can be seen.
Product: Checking or savings account

I had been with Capital One for several years and always had slight discrepancies on amounts being different and purchases -- I would have to cancel cards and then it would happen again on new cards.. Recently I have lost $ XXXX in purchases NOT MADE OR AUTHORIZED BY ME PUTTING MY DEBIT ACCOUNT IN THE CREDIT. 

Capital One refused to do anything -- will not even investigate -- I have contacted OCC and filed a Police Report. The Police told me to call Capital One and have my accounts frozen -- THEY REFUSED TO FREEZE ACCOUNTS. 

I am with another bank but I fear they are still charging -- today I got notice of a 12 pc. furniture being delivered to Arizonia ( I AM IN MASSACHUSETTS AND OBVIOUSLY DID NOT DO THIS ) i do not know how to stop them. Both my debit and credit statements are loaded with purchase that are fraudulent -- they will not freeze my accounts. So far I have had $ XXXX stolen and I fear for my good credit. PLEASE HELP ME.
Product: Money transfer, virtual currency, or money service

I have a bank account in XXXX ( XXXX XXXX XXXX XXXX ) and this year I withdrew the deposits as they matured. I noticed that I have been charged carrying fees for my transaction. Discover bank says they don't charge for wire transfer. Discover bank uses XXXX XXXX XXXX as correspondent bank. I have asked them why the year there has been between about {$50.00} lesser in remittance. Discover says they don't charge anything. XXXX also says they don't charge anything. My question is who is taking this money from me without reporting? all this transactions are USD and not in rupee. So, there is not currency exchange fees either. Can you please help me solve this mystery as I have lost at least {$300.00} in international transfers so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an eviction showing on my corelogic report from 6 years ago. It's been paid for XXXX, and me and my XXXX  are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my XXXX  The company that reported it ( XXXX XXXX, and XXXX XXXX ) refuse to remove it.
Product: Checking or savings account

I opened a Wells Fargo savings account completely online without speaking to a person a while back. I went to close the account a few months ago but to close they make you call in. I didnt have time and forgot about it. I logged on today to see they have been charging me a $ XXXX  monthly fee for the past 3 months! I had time today to call in and requested they give me those fees back since I didnt understand why I had to call in and close when I didnt need to call in to open. It seems like an additional hurdle for the customer in hopes they give up or forget like I did. They said they would give me {$10.00} back, but I would like all the fees back. There is no reason they need you to call in other than to make it harder to close an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the XXXX XXXX XXXX as Company Info : XXXX XXXX XXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a pay arraignment for a debt that went to the Valle law firm. My first issue with this firm was the bill was incorrect and first they billed me for over {$200000.00} which the bill was only {$260.00}. When I called to take care of this debt they informed me it was a billing era and the account number was used for the amount balance. My second issue was after I already made payment arraignments with XXXX XXXX account manager I was still recieving collection phone calls. Not only did I receive calls but they called my parents and asked if they knew me or knew where I was. Again this is after I have already made a few payments and just a day before my last payment was about to be withdrawn from my bank account. When I contacted the law firm about the phone calls they told me " oh it was a mistake ''. A mistake how do you make phone calls to someone parents asking if they know where I am as if I 'm in some kind of legal trouble. The level of unprofessional behavior and disorganization of this firm is unbelievable. I was completely embarrassed by their phone calls especially after I was always willing to pay my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year XXXX and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : 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 Requesting Experian to correct my name and remove all other inaccurate names immediately.
Product: Credit reporting or other personal consumer reports

XXXX shows up on my credit score as being NOT Paid/Paid LATE. I told XXXX to tell XXXX, Experian, and XXXX to REMOVE themselves from my credit score because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY CREDIT SCORE IS DAMANGED. THEY NEED TO REPORT TO ALL 3 AGENCIES NOW TO REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX account with a balance of XXXX account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been calling numerous times over the last 4 months trying to get a promotional statement credit of {$100.00} for using my card. I have sent my email with the offer that was sent to me and copies of my statements showing I met the terms of the promotion. I have had my case escalated and given a number # XXXX. I have an email from XXXX XXXX, with no resolution. I was promised phone calls from XXXX XXXX and XXXX with resolutions and they never call. The amount of times I have called them and left messages is mind boggling. This is so ridiculous the customer service from PNC.
Product: Vehicle loan or lease

On XX/XX/year>, I applied for a vehicle loan with Carvana and was shocked to find that I was being forced to provide a down payment in clear violation of federal law. As part of my consumer credit transaction, Carvana unlawfully required a down payment, despite 15 USC 1662 ( b ) prohibiting such demands unless universally applied to all transactions.

This not only violates the Truth in Lending Act ( TILA ), but also demonstrates fraudulent business practices that harm consumers.

After submitting my application, I spoke with two different Carvana representatives over the phone which is recorded and advised them that the call is being recorded also via text message, explaining that under the law, no down payment should be required for a consumer credit transaction unless this rule applies to all transactions across the board. Not only did I outline the specific violation under 15 USC 1662 ( b ), but I also referenced that Carvana was acting fraudulently by selectively applying these terms.

Despite my clear explanation of the law, both representatives failed to provide any assistance or resolution. In fact, I have screenshots of text messages where the word down payment is explicitly mentioned by the representative, along with a recorded phone call in which the Carvana employees acknowledged my argument yet still refused to rectify the situation. At no point was I offered the legally compliant option of purchasing the car without a down payment, as I should have been.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I got an email regarding a loan application I didnt apply for. I contacted the company and they will not provide me any information on who applied for this loan. They have a bank account on file ( XXXX XXXX XXXX XXXX XXXX  ) which is not my bank. I want the routing and account number so I can find out who applied for this loan and press charges against that person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent in letters on XX/XX/XXXX that show that the " charged off account '' from XXXX was inaccurate on my Consumer report. XXXX has reported this account balance as a loss to the IRS. But they are still receiving payments toward the account balance. Pursuant to US CODE 1681 S2 ( a ), a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this account is charged off, then XXXX should not be receiving payments on this account as it was already written off as a loss according to the IRS. Therefore this account is being reported INACCURATELY AND NEEDS TO BE DELETED IMMEDIATELY. I've attached the receipt of my most recent payment to show as well. Furthermore, pursuant to 15 US Code 1681 S-2 ( A ) ( 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, that specific information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).