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

Recently, I investigated my credit report and found several items there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), " Accuracy of the report, '' whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please immediately remove the following items from my credit report, as these accounts have never been late. 

XXXX : XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct XXXX : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX TransUnion : XXXX XXXX  XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX XXXX  XXXX XXXX Acct Number XXXX XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I have called & paid the debt owed ( I have Proof ). However, they updated my credit differently, y resulting in me still owing money & my credit decreased. This company is Fraudulent.
Product: Mortgage

On XX/XX/2020 I walked in to XXXX XXXX XXXX weeks XXXX and I dont even know what I paid for any of it and I just got over loaded with documents to sign and so confused by all the information I reviewed over the last 11 months trying to figure out what Country place did to me. I could be suffering terrible from XXXX XXXX since for the last two years it has been XXXX my family and I. XXXX XXXX XXXX County place failed to disclose all of this and a survey of its aerial view of the XXXX XXXXXXXX pond that is just raining down on my family and I. 

I cant just sell my house because That means someone else would suffer the same fate. I dont even know what the result of damages this stuff does to you. Weve been bleached, termite treated and XXXX ponded all over by Countryplace mortgage Man I wouldnt have bought this house if I would have known about the huge XXXX pond over spray were getting
Product: Checking or savings account

On going problem with my debit card being hacked by a man by the name of XXXX XXXX XXXX who is hacking my computer and bank account. I have about 12 debit cards now from BOA that have had to be changed due to him ordering vitamins etc ... From BOA this was reported and reviewed by XXXX XXXX XXXX XXXX XXXX. 

I want all of the fraud reports that I have requested since 2019 till recently starting with the one for {$700.00} dollars I need to take him to court. I have requested this many times and haven't gotten anywhere. BOA needs to be responsive and recognize that this man is equivalent to a XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Product: Checking or savings account

Paypal closed my account and withheld my money since XX/XX/2022. Every time I call their customer service they promise to call me back and they didn't solve the problem until now. They withheld {$24000.00} on XXXX. 
Please help me to get my money back
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

While reading the response to a recent complaint I filed, this company responded and sent me another consumers sensitive information. A name and address is considered sensitive information that could be used for identity theft or malicious purposes. Banks are required to take reasonable measures to protect customers data. This is indeed a data breach. I don't know why they would send me XXXX XXXX 's name & address but I will be notifying XXXX of her sensitive information being breached via certified mail, as well as notifying the attorney general and the FTC. This is an example of the ongoing issues I've had with this company and their sloppiness and why I have a false late payment on my credit report. 

As stated before my dispute still applies that I have never been more than 30 days late on any payments with this company. They have continuously mixed up and credited payments to wrong months. 

CFPB I am requesting a proper investigation and to enforce the law. This has been an ongoing issue for months with this creditor who is refusing to comply with the laws under the FCRA. I have never been late in payments with this creditor, and due to inaccurate and sloppy accounting my credit score has suffered. This creditor is reporting to XXXX that I was 60 days late, and has been reporting this false information for over a year. You will see that this creditor is reporting the same account to XXXX that I was 30 days late. How can this be if the bureaus are getting information from the SAME creditor. I am requesting that you hold this creditor accountable. This creditor has assumed a vital role and have a responsibility to report consumer information with maximum accuracy. As a direct result of this creditor reporting conflicting, inconsistent and false information, my credit score has dropped XXXX points. I have been denied credit, I had to take off work and have suffered severe emotional distress. The FCRA law specifically states that if there are conflicting information across the credit bureaus the account should be deleted all together or the late payment must be removed. I have provided proof of the inconsistencies and request that the CFPB hold this creditor accountable for violating my consumer rights. 

Lastly I want to know what steps are they taking to secure my personal information so that my sensitive information will not be breached like XXXXXXXX XXXX XXXX XXXX I have attached the letter they sent to me with XXXXXXXX XXXX Personal information and I will be sending this to her as well.
Product: Debt collection

I sent a cease and desist letter to Midland Funding because they continuously call and I have asked them to verify the debt. They have failed to verify. They claim I have two accounts. I asked that they cease the calling on both accounts. I have a copy that the letter was signed for by XXXX XXXX on XX/XX/2019 at XXXX XXXX. However, the calls continue daily. This is a violation the FDCPA. Since the letter was received, I have gotten calls on : XX/XX/XXXX at XXXX XXXX  from XXXX XX/XX/XXXX at XXXX XXXX from XXXX XX/XX/XXXX at XXXX XXXX from XXXX They call daily!
Product: Vehicle loan or lease

I am having trouble receiving a XXXX for the vehicle that was XXXX from me back in XXXX  They are trying to garnish my wages but need the XXXX to give to my attorney. This is regarding Credit acceptance.
Product: Credit card

I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 Swiss Colony started showing as past due on XXXX and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called Swiss Colony who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, Swiss Colony stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called Swiss Colony again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.
Product: Bank account or service

Our Chase Bank check was stolen from out outgoing mail. The check was made out to XXXX XXXX XXXX XXXX but cashed and forged by XXXX XXXX. We notified the bank XX/XX/XXXX, prepared all the paperwork, had XXXX XXXX 's and our signatures notarized as instructed to do. We have still not had our claim honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Titanium Funds have reported my vehicle as paid off as of XX/XX/2022, this has negatively impacted my credit score as all of my on-time payments have not been recorded since XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by XXXX XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or XXXX XXXX XXXX XXXX XXXX  and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  responses to the aforementioned correspondences and this formal complaint letter.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from XXXX XXXX regarding my request for debt verification. Within the response from XXXX XXXX it provided a letter from " Comenity Bank '', the alleged original debtor '', that " XXXX XXXX, XXXX. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " Comenity Bank '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information. 

In addition to the letter from the alleged original creditor, XXXX XXXX XXXX, also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that XXXX XXXX does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that XXXX XXXX created the letter aforementioned on their own behalf. I investigated a " Commenity Bank '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " Comenity Direct Bank '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that XXXX XXXX XXXX. consider this complaint and agree to the fair resolution requested.
Product: Debt collection

Received a call from XXXX at my work from Cooper Hoffman Klein and Associates. The caller identified himself as being from the XXXX XXXX subpeona processing department. He said to avoid a warrant and arrest I had to make immediate arrangements with him. I asked for proof of debt. His response was that he is representing an arbitration firm and is not a debt collector. He said he did n't have to abide by rules that debt collectors must follow. He repeatedly threatened me with subpeona and arrest for fraud, that this was my last chance to avoid prosecution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Unknown - XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

I purchased an anniversary ring for my wife for our XXXX wedding anniversary. Then XXXX XXXX went bankrupt with Comenity Bank. Then all of a sudden I have multiple companies reporting the same account on my credit report. Information is incorrect and duplicated giving lenders the idea that I have multiple account with different balances causing creditors to deny me credit. Also causing a financial hardship due to having to hire a company to help sort out the mess.

I have attached the pages from my credit report for the same ONE account, that all of a sudden is three accounts with all different information. I purchased one ring, one account. 

These companies are in violation of the Fair Credit Lending and Debt Collection Practices Acts. 

Please help me eliminate these account. 

The companies are : XXXX/XXXX  ; XXXX XXXX XXXX ; Comenity Bank ; XXXX/XXXX ; Comenity Bank/XXXX ... .this is not fair to me or my family.
Product: Credit card or prepaid card

I have a credit card with Citi bank with about 65K Thankyou Points in the account. The bank closed my account by mistake and claimed that I requested to closed it. However, I never made that request. Also, I contacted them many times and ask to re-open the account. Each time, the representitive told me they would investigate the case and contact me later. But they never contacted me. Here are some details. 

As the annual fee was posted, I called cumstomer service on about XX/XX/XXXX to inquiry if they had some retention offer to cover the fee. After getting the answer 'no ', I asked if I could get refund if I closed the account. The representitive gave an answer 'yes ' and told me that I could get refund util 37 days later. Then I said I would think about it and hang up. 

About 1 month later ( as the deadline approaching ), I contact Citi bank again through online chat to redeem the Thankyou Points. However, I was told that my account was just closed ( showed closed on XX/XX/XXXX. ). And the reason is that customer requests to close the account. I argued that I was just inquirying the option and never asked to close it. Also, I requested to re-open the account. The representitive told me that a hard inquiry will be pulled. I argued that it was the bank 's mistake, so they can not pull my credit to reopen my account. The representitive also told me that my Thankyou points will expire 60 days after account close. I said I need to think about how to redeem the points and end the chat. 

Several days later, I saw XXXX XXXX XXXX has a bonus of 25 % additional points to redeem the Thankyou Point. So I called Citi bank again, but was told that I can not redeem Thankyou Points to XXXX, as the account was closed. Again, I claimed that that's the bank 's mistake and they should re-open my account. The representitive told me a case was setup, their bankend team will investigate it and contact me later. I said that's not enough, I want to file a complaint. The representitive help to do it and told me the case number. 

However, many days passed, no one contacted me. I had to call the bank again. I asked to escalate the case and insisted to talk to a supervisor. The supervisor told me she could file a case for the backend team to review the phone call record and see if they could re-opne my account without a hard inquiry. And I would get a notification by mail. However, it's more than 10 days. I get nothing and my account is still closed
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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! 


Update the late payments from my consumer reports