23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went directly to the credit bureaus to dispute an account with Credit Acceptance. They sent me a letter back stating that they refused to investigate my file. And the reason was : that they said it came from a credit repair company. They just didn't want to investigate my file. That's horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB complaint to you today to attempt to request the removal of the fraudulent accounts and information I found on my Credit Report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of XXXXnformation. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a collection from aJefferson capital ( XXXX XXXX  ). which I do not. I have to do reached out to XXXX XXXX but no person to help.
Product: Credit card

I have applied for XXXX  XXXX CREDIT CARDS AND THEY KEEP DENYING BASED OFF HARDSHIP THAT I HAD IN THE HISTORY WITH THEM. I ASKED FOR CLARIFICATION ON DENIAL AND THEY KEEP DISREGARDING THE QUESTION. ACCORDING TO THE TRUTH IN LENDING ACT I CANT BE DENIED OFF OF DISCRIMINATION AND CAPITAL ONE HAS DENIED BECAUSE OF THAT. PLUS THEY HAVE TAKEN APPLICATIONS AND TOOK IT TO THE FEDERAL RESERVE WINDOW AND GOTTEN MONEY FROM MY APPLICATION WHICH IS THE COLLATERAL. IF THERE IS A CHANCE OF RECONSIDERATION I WOULD APPRECIATE IT. I GOT A CAR WITH THEM IN XXXX AND I PAID IT OFF XXXX AND I PAID OFF ALMOST {$10000.00} IN A YEAR. I HAD INCOME ISSUES THAT CAUSED ME TO HAVE HABIT WITH PAYMENTS OF MY BILLS. NOW I AM EDCUATED ON CREDIT AND I UTILIZE MY CARD IN A DIFFERENT WAY THIS TIME.
Product: Debt collection

I had a Wal-mart credit card and reported it as unauthorized use in XX/XX/2106. I asked that card be discontinued immediately. Rep told me to disregard any bill and they would reverse charges. I received new bill with new charges. I called and was told that the " computer did n't close file '' and to disregard and they were sorry. I live in Florida and charges were from XXXX area. Another month and now the bill was {$140.00} for late fees on a XXXX balance. I called again. About a month ago I started receiving calls from Walmart aka Snychrony Bank.Phone XXXX XXXX about 3 to 4 times per day and now up to seven times per day. Calls start about XXXX. I reported to FCC and to my phone company who tried to block the number. Sometimes this woks and sometimes the phone rings before blocking. I am in very poor health and the XXXX of early morning and all day long calls is horrible. I do n't want to spend money on hiring a lawyer. What can I do to stop Walmart and the bank?
Product: Prepaid card

On XX/XX/year> and on XX/XX/year>, multiple fraudulent transactions were posted to my XXXX  account by a cryptocurrency company whom I had done business with. I had over {$400.00} in my account at the time.XXXX  decided to cover some of these transactions even though they were way out of my normal spending habits and took my balance to cover some of them and then overdrew my account by over {$1100.00} and froze it. Any suspicious transactions are supposed to be red flagged but they weren't and it was definitely more than suspicious as I have never spent this much money with this business all at once. It also included multiple transactions ( XXXX to be exact ) which were all for the same amount : {$380.00}. I have never spent anywhere close to that amount in a single transaction to this business so that was definitely again very suspicious. I have sent screenshots multiple times to both XXXX  and the business and neither of them will even acknowledge those transactions even with solid proof. One of those transactions went through yet no dispute was opened for it and no credit back was given. Since this happened, XXXX  has found some of the disputed transactions to be in my favor and they unfroze my account and gave me back {$340.00}. After I contacted their corporate office because I had attempted to contact them multiple times with no reply, I was finally given back the other {$60.00} owed to me only to have XXXX  overdraft my account the very next day, taking back the {$60.00}. Now my account is again overdrawn by {$550.00} and frozen with XXXX explanation. But I received several emails saying that they found several disputes NOT in my favor! How can they say some of them were in my favor and others are not in my favor when they were all made to the same company on the same date? This makes no sense.
Product: Mortgage

I am filing a complaint against Wells Fargo XXXX XXXX, Wells Fargo Bank XXXX. 

They are in violation of the law. 

They have acted to file a Notice of Default through the XXXX XXXX XXXX in XXXX XXXX, with regards to a HELOC even though they are accepting monthly payments. See attached letter dated XXXX XXXX, XXXX. 

XXXX XXXX shared with me in a phone conversation that they received a referral from Wells Fargo on XXXX XXXX, XXXX with regards to the loan default. 

I have not received any official notice of default that I understand is required to be sent by registered mail. 

Wells Fargo Bank XXXX. has been accepting payments every month on the loan, and send monthly statements that record the payments and balance. 
XXXX attached statements from XXXX XXXX and XXXX XXXX as examples. 
I have been making monthly payments on the Wells Fargo XXXX and I have been working with the bank over a few years to set-up a plan payment. 
I am in receipt of a letter from Wells Fargo dated XXXX XXXX, XXXX which offers me options to keep the home. I have been calling the representative on the letter almost daily to approach a work-out solution, leaving messages, and he is not returning my calls. 


Because of the public notice, I am getting notified by various predators by mail and phone and XXXX mail on this matter. 

I have applied numerous times and have asked to amortize the loan over a fixed period and have offered an amount for settlement. This was a predatory HELOC loan that is no longer legal in the way it was sold to us. I have been asking for assistance from Wells Fargo since XXXX XXXX. We are constantly denied any assistance yet they keep accepting payments. 

I filed complaint XXXX with CFPB about their practices, and the company Wells Fargo XXXX. responded on XXXX and replied that the matter had been settled. This is a lie.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two airline tickets from XXXX for {$490.00}. One of these tickets was cancelled with XXXX on XX/XX/XXXX. This charge was never refunded to me. On XX/XX/XXXX, I went to use one of the tickets and found out that the second ticket was never refunded or cancelled. I lodged a dispute with Discover Card for {$490.00}. 

In XXXX, they charged my new account {$490.00} and then took off the charge in the same amount of {$490.00}. This credit has nothing to do with the XXXX charge that is sitting on my old account. If you look at the documentation I provided, it is showing a charges totaling {$990.00}. That number should be {$490.00}. They are missing a credit. Only one airline ticket was purchased.

D

iscover placed a {$490.00} credit on my account but they placed it on an old account. Therefore, I am not seeing the credit. I have made numerous calls to Discover in an attempt to fix this. Each time I am promised that the credit will be moved over to my new account within a few days. But the credit never gets placed on my account. As a consequence my balance with Discover is {$490.00} more than it should be.

Discover is failing to fix this for me, despite numerous calls.
Product: Credit reporting or other personal consumer reports

This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation TransUnion verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX serves as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.
Product: Debt collection

I believe someone else has used my name I dont owe any debt to this company has a result Im getting a collection on my profile
Product: Debt collection

I unfortunately took out a loan from XXXX and paid XXXX dollars in payments of the original XXXX dollar loan. The interest rate was set to XXXX percent and the loan was almost unpayable, due to financial circumstances I had to default on the loan to afford living expenses. The interest rates and fees would not stop on this loan. They dragged it to XXXX dollars and sold it off to " The office of XXXX '' which has called my workplace and texted me repeatedly to tell me to " resolve a returned check from XXXX XXXX XXXX by today before action is taken. '' I eventually called them and they admitted to collecting this loan that originated on XXXX XXXX  and admitted the loan was outrageous. I looked up that this type of loan is illegal and most of the time not even licensed to give loans in certain states. I asked for a verification of the debt be sent to me but have yet to receive that. I'm also uneasy about the fact that one of the men speaking to me mentioned that the " court '' wont care about my circumstances, insinuating I was going to see them in court soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be XXXX  and experian that they could not remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPPLOANS has not updated Balance since XX/XX/2021 on XXXX, XXXX, and XXXX Credit reports. 

The balance was confirmed paid in full : Last Payment Date : XXXX XXXX XXXX Last Payment Amount : {$490.00} Balance : {$0.00} Hi XXXX! 

Congratulations! With your most recent payment on XXXX XXXX XXXX, your above referenced account is now considered paid off. 

We sincerely appreciate your business and hope to work with you again in the near future. Should you ever need a new installment loan, please do not hesitate to call ( XXXX ) XXXX or by logging in to your account to apply.
Product: Credit reporting or other personal consumer reports

Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 
I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : - **15 U.S.C. 1681b ( c ) : ** This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization.

- **15 U.S.C. 1681s-2 ( b ) : ** This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided.

- **15 U.S.C. 1681e ( b ) : ** This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

**Requested Solution : ** I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.
Product: Checking or savings account

CHASE DEFRAUDED ME AND MY Family, and my community. They abused us by tipping off the amounts that where in our accounts and They exposed where we domiciled. Chase exposed our personal and private vital information. 
Because of this we have been evicted from our properties. We were victims of identy theft, financial fraud, racketeering and theft of vehicles, credit cards, bank accounts and other intellectual property.

debt collectors coming to our homes taken fraudulent actions against us in which they have no authority to do so. A business is not real therefore a business can not speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an American Express XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed. Upon completion of payments, it was agreed that I would regain membership, I had to speak to the CEO of the company via written request because after completing the paper application I never got the membership. After months of correspondence, I am no longer interested in the offer to what was given however I would like to have my status updated with each bureau. It is currently states as " Paid, Charge-Off '', if I understand correctly, Charge Off means " the lender or creditor has written the account off as a loss, and the account is closed to future charges ''. This is not the case because I have in fact Paid this account in it's entirety therefore there was no loss. I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed as it affects my ability to grow with other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled XXXX XXXX XXXX in XXXX XXXX  XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight capital LLC reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Foursight capital provided a number on last complaint to call to discuss this matter upon calling the number I was told Foursight capital doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. Foursight capital stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like Foursight capital to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. Foursight capital stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy Foursight capital was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after Foursight capital was paid in full. I had XXXX accounts added to my bankruptcy Foursight capital is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like Foursight capital llc removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.
Product: Credit reporting or other personal consumer reports

Request that they remove inaccurate info from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 removed : Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

Our company is applying for a DCID loan.

One of the steps is linking the bank ( PNC ) to the loan using the XXXX app. 
The linking fails, and the loan application is stalled at that point.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX