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

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payment on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please update and correct the account stated below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector called and asked if I was the correct person they were speaking to. They had my name correct but after she asked me to verify my birthdate and social they said I wasnt the person they were looking for. I am not sure what is going on or what to do and would like clarity on how they have my name and phone number
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. Since you claim XXXX verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that several accounts were added that I did not recognize. Here are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My bank shows a balance of {$3000.00}. But my account is being charged over draft fees for the last 9-10 months.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent two letters via certified mail to National Credit Adjusters in XXXX, Kansas. There was information reporting on all three of my credit reports showing two accounts the first for {$580.00} and the 2nd for {$1100.00}. In my letters ( attached ) I requested that these debts that are reporting on my credit report be validated. I ask for very specific information all legally required. I asked for : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I was sent a letter on XX/XX/12 ( attached ) stating that they received my letter and that 30 days is seldom enough time to conduct their investigation. Said they would be ceasing all collection efforts and would furnish me with results. 
I have sent additional follow up letters via certified mail and I still have no response providing the information that I have asked. I have allowed ample time for their investigation.
Product: Debt collection

The collection letter sent to me is for a debt I do not owe. It is supposedly for a XXXX XXXX account they claim was mine but I have not lived in an area served by XXXX XXXX until recently. XXXX has sold this fake debt to at least 3 collection companies over the past 7 years and each keeps harassing me about this case. I have asked each of these collection agencies to provide proof that I opened the account they are claiming is in collection and none have been able to. It seems as though each time I do this they play hot potato and sell the account to another agency which starts the process all over again. I have spent over {$1000.00} fighting these false claims in the past only to have the fake debt resold to another collector when it comes time to provide any proof the debt was legitimate. Most recently ( XX/XX/2022 ) I sent a letter to Credence Resource Management to cease and desist all correspondence ( per the FDCPA ) until they were able to provide me written evidence that I opened this account with XXXX XXXX. The have violated this request by continuing to call me multiple times a day interrupting my work.
Product: Checking or savings account

I have a banking agreement with Capital one and for over 8 months ( since XX/XX/2022 ) my account has been frozen for unknown reasons. I keep calling but I have not gotten a response. They restricted my account for no reasons at all. I had to loan money to pay my bills, I complained to a friend and they suggested I filed a complaint with CFPB. please help
Product: Credit card

I have had capital one bank since after my Bankrupcy I have 4 credit cards however I had been dealing with bad fraud with my first tech account my accounts had been compromised and I am no longer doing business with XXXX XXXX XXXX XXXX XXXX however capital one decided to close my accounts for no reason due to a return payment I have proof I had fraud and my accounts had been blocked I contacted capital one to fix the issue but I am not getting to a resolution its not fair and no my fault my account was hacked I lost over XXXX it was a process to get my funds back etc as I had to wait for the fraud claim to get approved I have my funds and would like to pay my credit cards if I can get my credit cards back and if they can work with me on all the fees that have been assessed
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and XXXX a victim of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Student loan

I had about XXXX in student loan debt with navient. I recently consolidated with the federal government on all loans except XXXX private loans totaling XXXX. Since it appeared my private loans were close to repayment, my monthly payments spiked drastically and I am not able to pay them on top of my consolidated loan payments with XXXX. My loan payments went from {$80.00} to {$400.00} after I consolidated. They wo n't stretch out my repayment term. When I tried to lower my payments, they said no. When I asked for a forbearance, they refused as well. They wo n't lower the interest, they wo n't do anything AT ALL. I have nearly {$1500.00} in student loan payments each month ( this is way bigger than my paycheck ). It is impossible for me to do ANYTHING right now, and Navient will refuse to work with me in any way. This is predatory lending! They are preying on low income students and offering no assistance. I am out of ideas, next move would be to get a lawyer and fight them in court ( precedent in XXXX and XXXX shows that consumers have beaten Navient and XXXX XXXX over similar issues ).
Product: Checking or savings account

My account was open they randomly sent an email stating my credit card account, checking and savings account and my cd account were closed no real reason was given. The funds in my account are with held and they wont give me access. I tried to call them they wont advise of anything.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX and XX/XX/year>, i made XXXX XXXX transactions via my BECU account number XXXX. The transactions are as follows : XXXX ). XXXX {$300.00} to XXXX XXXX XXXX XXXX ) - tel # : XXXX XXXX with PAYMENT ID # : XXXX XXXX ). XX/XX/year> - {$1500.00} to XXXX XXXX ( XXXX ) - tel # : XXXX XXXX with PAYMENT ID # XXXX XXXX ) XXXX - {$2000.00} to XXXX XXXX XXXX XXXX - tel # : XXXX XXXX with PAYMENT ID # XXXX. A total of three thousand eight hundred and fifty dollars ( {$3800.00} ) was transmitted for scholarship, visa and servis fees to XXXX XXXX XXXX using my BECU Current account # XXXX for two members to attend XXXX in XXXX. It turned out to be a scam and fraud XXXX led me to believe that he is the XXXX coordinator of a scholarship program which turns out to be fraudulent. i have submitted a claim with BECU with claim # XXXX on XX/XX/year>. I am requesting for a full credit of {$3800.00} dollars to my BECU Bank account. Further to this i have submitted with FBI internet unit Submission ID : XXXX Federal Trade commission XXXX Number XXXX The City of XXXXXXXX XXXX with Report Number : XXXX.
Product: Checking or savings account

PNC will not allow me to connect to XXXX app.
Product: Credit reporting or other personal consumer reports

APPLE CARD/GS BANK USA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). APPLE CARD/GS BANK USA is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Checking or savings account

I have had an ongoing issue with Wells Fargo. Just about every other time I use my debit card for transaction it declines. The place a fraud alert on your card. Then sometimes take hours to send a text for verification. This has caused me to have to file several disputes. Because once the transaction declines I almost always use another form of payment. Then once I get home to check my account the transaction has gone through anyway. This has become a huge issue for me and frustrating. I am on a fixed income and can not afford to have to wait to get credited money that shouldn't have been taken. I am currently dealing with an issue where a resort took a deposit on my card. I saw the money leave and never saw it returned. Wells Fargo claims that the hold was just released but refused to show me any record of this occurring. I spoke to a manager in their dispute department named XXXX. He told me that he can see it being and held and it being released. I asked XXXX for the date or some record of this occurring. He told me to go to a branch and sit down with a banker to work out this discrepancy. Why couldn't he simply give me a date? This is not a good business practice. I simply want a resolution. They are causing me a hardship because every week just about I have to dispute something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate this alleged collection account : Account name : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the hell is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

After checking my Experian credit report on XX/XX/XXXX, these inquiries do not have permissible purpose and is not in accordance with the Fair Credit Reporting act,. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 B. Delete these inquiries. 

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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Barclays Bank closed my credit card account with no prior notice. 
I believe Barclays is deceptive with their business practices in promoting a credit card with rewards and then shutting down my account with no prior notice and not allowing me to redeem my rewards.
Product: Credit reporting or other personal consumer reports

REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THSEE ACCONTS IS NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Company calls excessively, calls others not listed on loan ( listed as " references '' ), charges usury level interest, filed loan application using fraudulent information ( claimed assets that are non-existent ).
Product: Credit reporting or other personal consumer reports

My account with 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 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. 


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 or other personal consumer reports

I'm trying to temporarily lift the credit freeze I have placed with all three credit bureaus so that I can apply for a line of credit. This takes less than XXXX minutes with XXXX and XXXX and has proven impossible with Experian. When I try to log in to my account I am told my password is incorrect and my phone number does not match their records. I've never had another phon

e number. When I try to reset my password the system tells me they've sent me a code, but no code arrives. I've called customer service and only get an automated system outlining the steps I have already taken to try to access my account. The automated system emphasizes that it can not transfer me to an agent. There are dozens of similar consumer stories posted online. In essence, Experian has blocked consumer 's access to our accounts, thereby preventing access to lines of credit. It's been a known problem since at least early 2022, and they are doing nothing to resolve it. What actions are being taken against Experian for this breach of consumer trust?
Product: Debt collection

M & M CREDIT is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from XXXX XXXX XXXX. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with XXXXXXXX XXXX XXXX and I am able and willing to settle the debt with them. The reason the debt with XXXX XXXX XXXX was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with XXXX XXXX XXXX multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with XXXX XXXX XXXX  directly.