23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I call wisely today and requested for my bank statement they told me they couldn't provide them till they end of the month, you can always requested your bank statement from the latest month up on till, the days you requested
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the documents I have obtained, it is my belief the Credit Bureaus have not been reporting many of my accounts as they have been reported by the furnishers in a timely manner and they have been providing creditors a different report than they provide for me. It is my strong belief the Credit Bureaus have conspired against me in retaliation for previous lawsuits I have prevailed on against them and many more complaints I have filed, with their goal to cause me harm by keeping my credit score lower. 
Maybe I am crazy, huh? Well we will see! 
At present I have collected over 14 months of evidence to support my claim including the monthly XXXX XXXX XXXX use to report consumer accounts to the Credit Bureaus. 
I believe the CEOs and/or other executives are aware of this practice and approve of it as I have directly emailed executives of Experian, XXXX and XXXX so that they CAN NOT make a Plausible Deniability claim. I firmly believe, as do 94 % of All Americans, that Executives MUST be held accountable and the action taken against them MUST act as a deterrent. Doing so will prevent harm to 100s of millions of Americans and improve Corporate behavior which benefits all of America. 
With every complaint I make, Experian, XXXX XXXX XXXX all claim they report information when reported and as reported by the furnishers. Therefore, I must have copies of the AUDs from the furnishers and in this case XXXX XXXX. Otherwise I will be forced to include each furnisher in my imminent civil claim. If XXXX XXXX refuses to provide this information, which they have a legal obligation to provide I will file under the FOIA and then subpoena them. 
XXXX XXXX requesting XXXX XXXX to please provide to me a copy of the XXXX they forwarded to all three credit Bureaus for the months of XX/XX/2022, XX/XX/2022 & XX/XX/2022. 
( XXXX XXXX XXXX., or XXXX, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An XXXX is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account during those months, I am asking why not and what is their reporting policy. 
When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.
Product: Debt collection

Requested a validation in a letter sent to this debt collector dated XX/XX/2023. Under provisions of the FCRA and the FDCPA, this creditor was required to respond and remove the collection off reports and cease and desist all collection efforts pending my review of all information sent for validation purposes. Creditor has chosrn to ignore the letter in violation of Federal Law.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my transunion report that I do not recognize from XXXX XXXX XXXX. I did not give anyone permissible purpose to pull my credit report please delete this inquiry from my report immediately.. attached is the doc report filed in this matter.
Product: Checking or savings account

my wells fargo debit card XXXX XXXX XXXX XXXX was impacted by fraud and an unknow company charged me {$6300.00} in 2x transactions i filled the claim ASAP and wells fargo denied it saying " we dont see signs of fraud '' while the billing address was not verified. they also denied me the right to appeal, that is guaranted by federal law. claim was denied yesterday XX/XX/year> and i called to appeal today. 

they said nothing can be done now and i know its a lie, i am customer since 8 years from wells fargo and its the first time this happen, his 0 liability program is a lie. 

i think somebody just got a photo of my card and used it with a fake billing address OR a bank amployee is envolved in the fraud. 

checking account number XXXX wells fargo denied claim number is XXXX
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk. 

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress. 

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. 

I expect a written response within [ reasonable timeframe, e.g., XXXX  days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and 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
Product: Debt collection

Hunter Warfield has increased a debt owed over time. 
XX/XX/XXXX went up {$5.00} XX/XX/XXXX up {$4.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$15.00} XXXX {$5.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$19.00}. It is from an old apartment on move out charges. I cant go back any further in my credit report to find more evidence. They are adding either interest or fees monthly or twice a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been A victim for identity theft since I was living in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  & I had a police report, also after I moved to XXXX XXXX XXXX XXXX I had another police report for identity theft, that someone using my social to open a XXXX credit card in additional the one I open it on my own responsibility back on XXXX, than I decide to close this card with the capital one because I can't trust them any more also I paid the balance in full amount ..., So why now I still see it on my credit report. I am the victim here ..... I am trying to improve my credit score, every account I have I am always on time never being late for my car loan & even I paid off the balance {$24.00} before the due loan time .... Even XXXX still see negative side under my social with a different names which is I never have those names before XXXX XXXX XXXX XXXX XXXX ( exact ) XXXX XXXX XXXX ( exact ) Any others names it's absolutely wrong not used by me..... I really need to update my personal information to have a fair reputation I need help as far I am a victim of identity theft To clear up my record & this negative report from capital one should be removed from my credit report ..., Specially capital one still send me offer to be a client with them again ) So why if a client being bad with them! Why do you still need me to apply with you again?? 
It doesn't make any sense to nobody. 
Thanks for your support to help me update my record specially I am the victim here
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : Experian XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022 I tried to log in to my capitol one account to pay and it indicated it was restricted. I then proceeded to call at XXXX and and the representative who took my call notified me my acct was closed. I asked him why he stated because there was a returned payment. I stated that was correct it was not due to insufficient funds it was due to my XXXX acct being closed due to fraud. He stated that was there policy and there was no way they could reopen it. I asked if I could speak to a supervisor to explain what happened he then transferred me to a supervisor who then told me the same thing the other representative told me he stated to pay off balance wait 5 days and submit proof and that then they would reopen acct again. I said I wanted that in writing he said he couldn't do that. I said well I want to make sue this acct is reopen this was not my fault. He said he could not give me anything in writing. I proceeded to end the call.
Product: Debt collection

Collection report a new attempt at fraud. Similar reports were removed after investigation ( with or without CFPB assistance ). Obviously, after removal, the old, removed collector has resold the fraudulent rights to a new unsuspecting collector another rung down on the ladder.
Product: Vehicle loan or lease

My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this
Product: Credit reporting or other personal consumer reports

I applied for a property and was denied. I got the report from XXXX who uses Experian rent bureau. They said I was denied due to my rental history. When I looked at the report I saw an account that does not belong to me and clearly inaccurate. The report show P for paid as agreed for one month which shows as the first month, then every other month is no data. But the report says late payments and NSF payments, but it doesnt show those symbols for any month. This is negatively impacting me. I currently still have on going dispute with Experian and have reported identity theft and they have not taken the correct measures to block and remove items. They did however remove the address from my Experian report but not my Experian rent bureau report, which makes no sense. It does not show on any other report or any other credit bureau except Experian rent bureau. Please remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online for a XXXX account reporting on my report. Equifax removed the account from my report. Then put it back up there. They completed the dispute without providing any information of the results or a contract from the creditor who listed this account on my credit. They also did not notify me within 5 days that the account would be placed back on my credit report. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the account was valid without any explanation. From the attached documents you can see that it was in fact removed. As of today XX/XX/XXXX it has been placed back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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
Product: Student loan

I am on the SAVE repayment plan and when my loans got transitioned from XXXX XXXX to Mohela, my monthly payment of {$0.00} was not honored by Mohela even though it's based on my income. I have contacted them several time with messages and calls but there is no response or corrections to the amount owed.
Product: Credit card or prepaid card

Never got a notice - I have excellent credit - chase closed my acct for nonuse - said they mail one notice which i never got - i learned acct was closed when checking my credit report -which now is dinged from this - NOT RIGHT and Chase will not fix the issue they caused.
Product: Mortgage

Specialized loan servicing lost our XX/XX/XXXX payment. Since then, they have perpetually been falsely reporting our account as 30 days late. Each month 's payment has been applied to the previous month, while the current month was marked late. We reported this to you and it was investigated. As a result of the investigation, Specialized Loan Servicing sent us a letter acknowledging that they misapplied our XXXX payment, but they are still reporting us as 30 days late to the credit agencies. 

Attached is proof of on-time payment for every month since Specialized Loan Servicing acquired our account ( XX/XX/XXXX-XX/XX/XXXX ). Also attached is the referenced letter from Specialized Loan servicing acknowledging that they had mis-allocated our XXXX payment. In this letter they continue to falsely claim that we are behind on our payments, even though we had already made our XXXX payment as of the date of the letter.
Product: Credit reporting or other personal consumer reports

This is my multiple compliants Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Product: Vehicle loan or lease

XXXX was taken from me. That was my down payment for a XXXX XXXX XXXX. I confidentially submitting my information knowing that I was dealing with a used car lot that wouldnt sell me a lemon. However, I bought the car on Saturday XX/XX/XXXX and by XX/XX/XXXX I was driving for groceries and an oil pressure light came on telling me to immediately stop the car. This car had been driven for less than XXXX miles. It was used solely to take my daughter to school and pick her up from daycare which is a total of XXXX miles XXXX daily. I work from home so I instantly drove home daily. This was very upsetting to me because I had just spent all of my money on this car because I have to take my daughter to school daily since the bus doesnt run to my apartment because we live less than XXXX miles away from the school. My car was then towed back to the shop and kept for around XXXX hours leaving me with no transportation to take my child to school. I got the car back on Friday XX/XX/XXXX and no one let me know that it was ready. I called multiple times to see when it would be complete. I was lied to once by the XXXX XXXX who let me know that my car payment would not come out of my bank account since the car was having problems. Not only that, before I left the car lot I was advised that I could set up monthly payments. After the car broke down I called to request my down payment back and XXXX informed me that I would have to wait until after the car was fixed to see if it was fixable and also that if it wasnt, they would just put me in a different car. Which is insane because I hated every other car that they had. It was either full of dog hairs or just extremely out of date. Friday morning low and behold.. the car payment was deducted from my account. XXXX also let me know that I would be able to schedule my payments monthly, I went up there and spoke to him face to face and watched his lips shake nervously as I questioned him about it. All he could say was you have to pay forward in order to pay monthly why would I pay ahead on a car that has broken down? That was also insane. I was also informed that I XXXX have to pay half of the price to fix the car when I called to check on it but there was absolutely no way I was going to do that. I was also informed that the toy company coming to get the car was technically supposed to come out of my bank account. This car lot is shady. As I sit here and type now, XXXX wondering if the car will continue to work or if they just bandaged it to make it last a few more months. XXXX hoping that this message reaches the right person and XXXX able to cancel this contract and get my down payment back. Its hard to live and stay sane knowing that XXXX dealing with a shady car lot and also knowing that my car could break down again any day. Its frustrating that car lots do people this way to get over on them.
Product: Credit reporting or other personal consumer reports

My consumer laws have been violated. Equifax has breached my data and my personal information has been compromised. My banking information has been compromised and I was forced to open a new checking account on XX/XX/year> after hackers made several attempts to contact XXXX to access my account. My social security number has been found on the dark web. Old addresses are listed on my credit report as well as inaccurate information. I am unable to sign up for any credit repair services through Equifax because apparently the deadline has passed. This is certainly unfair since my information was leaked.