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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a collection call regarding a credit card that I have never received, or ever requested. 

In order to respond to my questions, they requested personal information. Since I had not initiated the phone call, I refused to provide personal information. They therefore refused to provide any information about what the call or balance was for. They were requesting a partial payment of {$50.00}. 

The company then sent me a text message that provided a link to again request my personal information. This appeared to very suspicious - I have always been told never to provide passwords or personal information to a request by text. 

I then received a statement in the mail - the account is stated to be with a COMENITY Bank for a BJ 's card. There is a stated balance of {$120.00} which includes late fees of {$69.00} and interest of {$2.00}. By subtracting these amounts from the balance, there appears to be an underlying charge of {$50.00}. 

The statement suggests that I have a {$750.00} credit limit. 

I never requested a BJ 's card, and have never heard of COMENITY Bank. I also have never received a physical card for the account. I am still not convinced whether the statement is in fact valid.The statement does not provide a full identification of the credit card number, and since I never received or requested a card - I do not know what my account number is with COMENITY Bank. If I seek resolution with that Bank, they require the release of personal information before addressing any questions or resolution. Since I am suspicious that the entire arrangement is a fraudulent, I will not release that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX  is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account  condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.
Product: Debt collection

I owe my  XXXX  credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes  later I will receive another call from the company.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies XXXX, XXXX, and Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/2024 on Equifax and for XXXX, XXXX, and XX/XX/2024 on XXXX and XXXX are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status. 
Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The XXXX account shows consistent discrepancies across all three credit bureaus. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as 30, 60, and 90 days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as 30, 60, and 90 days late. 
Equifax : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as 30, 60, and 90 days late. 
These errors directly contradict my payment history and enrollment in autopay. 
Requested Resolution I request that the inaccurate late payments be removed from my credit report with XXXX, XXXX, and Equifax. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX -XXXX {$4600.00} XXXX XXXX - XXXX  {$1000.00} XXXX XXXX - {$29000.00} XXXX XXXX - XXXX {$240.00} In accordance with the Fair Credit Reporting Agency , the companies listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$1300.00} Accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} DP OF EDUC - XXXX {$2000.00} DP OF EDUC - XXXX {$3500.00} DPEDXXXX XXXX XXXXXXXX DPEDXXXX  - XXXX
Product: Mortgage

A few weeks ago I submitted a complaint to CFPB about Amerihome 's false reporting of a late payment on my credit report. During the time I had tried to work the issue out with the company, they had been very rude and dismissive but I didnt include that in my complaint because I know they are a crooked company and I wouldn't expect anything less. However, yesterday a representative from Amerihome that I spoke to threatened to report another late payment on my credit report if I continued to pursue this issue. I have told Amerihome a few times, including in my last complaint, that I will now be hiring a lawyer to resolve this issue and get the late payment removed from my credit report and my assumption is they dont like the possibility of having to spend money to protect themselves against the false reporting in addition to the reviews I have left online. Anyway, I just wanted to bring it up that they clearly use late payment reporting as a means to control their customers. This company has to be shut down. They should not be in business particularly after what happened in 2008 with all the predatory lenders.
Product: Credit card or prepaid card

In XX/XX/2016, I opened an XXXX XXXX XXXX XXXX XXXX Credit Card, and I have not received the bonus XXXX Starpoints. Nor has my mother received the bonus XXXX Starpoints for referring me. I was also under the impression at the time of sign up that I would receive an additional XXXX points for reaching a certain spending threshold, which I believe had been met. I have tried unsuccessfully several times, through phone calls and online chat sessions, to get XXXX to uphold their contractual agreement with me. 

I was told by a customer service rep through an online chat session that these points should be awarded to me in XX/XX/XXXX. After not receiving them, and numerous attempts made, I threatened to sue XXXX and was transferred to a manager who overnighted XXXX points to my XXXX account. 

I later discovered that these were not the XXXX bonus points as promised, but rather a forward of points that I would be in debt to. I was never told this. My account has not been generating consumer spending reward points since. 

I have been lied to my an XXXX rep, on phone record, that a manager would call back within 24 hours to resolve the issue. Never received a call. I have been lied to on chat session about the date I would receive my rewards. My most recent chat session ( screenshots attached ) asked what the next step would be to prevent this from going to court. The supervisor never responded and ended the session. 

Note : Some of the screenshots are not loading. Can I send them to an email address?
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. The account is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

FCRA USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit card

Credit Card Applications were filed under my name to a number of different credit cards on or around XX/XX/XXXX. The cards were two Milestone Mastercard Accounts, an Indigo Mastercard, and an XXXX XXXX XXXX XXXX XXXX. I was notified by all cards that my application was denied.
Product: Credit card or prepaid card

I have several commenity bank store cards. Every month every single time I try to make a payment I receive a we are having technical difficulties. I will try repeatedly to make a payment and receive the same statement. I then try to lookup my account and I receive thie information is incorrect. I finally have to call and make a payment over the phone. It is every single time and Im beginning to think they do this so you are late paying your bill.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. Upon reviewing my report, I noticed several inquiries that I did not authorize. These inquiries have adversely affected my credit score and financial standing, and I am concerned about their impact. I have enclosed a copy of my credit report, with the unauthorized inquiries highlighted for your reference. I kindly ask that you investigate these inquiries and remove them from my credit report promptly.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ), inquiries related to credit or insurance transactions not initiated by the consumer should not appear on their credit report. Since I did not initiate these inquiries, it is
essential that they be removed. Furthermore, non-compliance with 15 U.S. Code 1681e, which mandates the highest accuracy in credit reporting, infringes upon my consumer rights.
Product: Money transfer, virtual currency, or money service

Money have been missing and they take money from my cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Did not authorize Exter Finance to run a report on my credit report. This is unauthorized and should be removed immediately.

Exter Finance ran these inquiries on XXXX XXXX without permissible purpose, or my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

After years of paying this account now the payments are being applied to interest most of the time and this is different from previously.
Also, recently I was issued an insurance check by my insurance company for hail and wind damage ( see attached check ). Wells Fargo asked me to mail the check to them. The first time I sent the check I did not endorse it but sent it overnight express. This was in XXXX 2017. Wells Fargo sent the check back to in regular mail, I endorsed it and sent it back to them express mail overnight again. The check was to me via regular mail, my signature had been stamped Endorsement Cancelled. I thought it was because I had signed twice because I am the POA for my husband nd had to sign as his agent. I deposited the check into an a shared branch of my credit union. The check was put on hold for 7 days. Then I learned it was returned because Wells Fargo had stamped Endorsement Cancelled. When calling Wells Fargo again, about the same check it had been miss-logged and was attached with our other home. Speaking to XXXX I felt as if they did not even believe they had sent the check out a second time. Especially when I asked if they made copies of the front and back of the check. Now they know they made mistakes on the processing of this check which had to be cancelled by the insurance company and reissued. But here I the kicker, Wells Fargo still wanted to hold the new check in an account and issue increments because they were misinformed as to what the claim was truly for. They were working from the standpoint of mold but the check was issued for hail and wind damage. Now we are into over a month of the back and forth with the check and still Wells Fargo Wanted to control the process. It was not until my insurance agent was on the phone and brought out the fact the check was issued for wind and hail that the process was altered. Then Wells Fargo would not allow the check to be issued without their endorsement after all we have been put through on errors made by their staff. This company has taken money from our account, take monthly payments and applying the bulk of the payment to interest versus principle and now this ordeal with the insurance check. They believe after so many errors, they can say you can now take the check into a branch and have them call us and the branch can endorse the check. No one understands how this could have cause us problems because it makes it look as if we were trying to commit fraud because Wells Fargo cancelled our endorsement on the check that was issued by another financial institute issues to my husband and me from premiums paid to our homeowners policy from funds paid by us. I feel it is retaliation because I have filed so many complaints against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX Account number XXXX Account Name XXXXXXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete These Accounts Immediately