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

SECOND ATTEMPTTo whom it may concern I recently received a copy of my 3 bureau credit report, I noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under 15 USC 1681 b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates to. Did I give written instructions to finish this on my credit report? Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). ( 2 ) Exclusions except as provided in paragraph ( 3 ) The term consumer report does not include ( a ) subject to section 1681s-3 of this title, ( I ) any report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report this agency is in violation of 15 USC1681n Failure to respond satisfactorily with deletion of the listed referenced account, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company. 1. Defamation of character ( per-se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations for willful non compliance-616 civil liability for willful non compliance 15 USC 1681n 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any late payment. I credited the transaction with my credit card/social security card . The late payments are in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. And banks are dependent upon accurate information how can u guarantee accuracy when the reporting history and dates keep changing on this account and all 3 of my credit reports are reporting different information. And they also reported it late while I was disputing a late payment on my account already. I have XXXX confidence that my personal information is safe and secure with this reporting agency and my information is being reported incorrectly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Dear Experian, XXXX, XXXX This is a XXXX that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint before getting a response from cfp that the problem was addressed XXXX  transunion and XXXX  are continuing to report wrong address es for iledge debt I sent letter to the address given by the credit agencies and again the letter was returned because it was unable to be delivered because address does not exist. I asked that each credit agent delete this inaccurate information from my reports
Product: Checking or savings account

I issued check # XXXX in the amount of {$30.00} for payment for our marriage certificate after I made a correction in XX/XX/XXXX to report my former divorce on the marriage affidavit. We were married on XX/XX/XXXX. The Town of XXXX clerk issued my wife and I a letter she received from XXXX XXXX acknowledging the correction. After the correction my wife and I mailed my check with the application for the certificate which USPS confirmed received. My checking account number with Webster formerly XXXX XXXX is # XXXX. The funds were debited against this check on XX/XX/XXXX. After some time had passed we did not receive our certificate? We issued a certified letter to XXXX on XX/XX/XXXX. We have no information as to the status of XXXX processing our document to date. Webster provided a check image with incomplete information on the back. The image shows a hand written number and a stamp XXXX XXXX XXXX for deposit only. XXXX XXXX issued a letter to us about her opening a case to research the information request which was absent from the back of the check image. The following afternoon she called me and said to me " we can't give any information becasue the department doesn't disclose it ''. We did not get a case number and XXXX XXXX stated " I am not going to cooperate with you '' when we asked for a case number. My wife has been submitting repeated complaints on CFPB to get Webster to inform us about the whereabouts of the funds and to get a legal copy of the check image or the original cashed check back. Webster has failed to respond and her complaints on CFPB are being marked as duplicate so the bank hass a pass in answering our legitimate questions about this transaction which concenrs both of us. I was misinformed about my rights to know the details of where my money goes and who actually receives it when I write checks. I was not aware of check XXXX act in NY which has requirements for check images as a substitute for a physcal check as a legal document. XXXX XXXX kept me from knowing so I would not expect to receive the information requested.
Product: Mortgage

I requested a copy of my loan amortization schedule which was printed on XX/XX/year>. 
When I checked regarding my PMI payment and why I was still making it, the loan company informed me, it was incumbent upon me to determine when I had reached the threshold of the proper loan ratio to ask to have PMI payments removed. They have agreed to stop charging PMI as of my request, but my loan reached the proper limit according to their amortization table back in XXXX of 2023. I think it should not be incumbent upon the loan holder to know when the PMI limits have been met and I want the over collected PMI refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  account has been reported incorrectly. I have printed my credit report from transunion XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently transunion reports it opened XX/XX/XXXX XXXX  reports it opened XX/XX/XXXX. Balance reported from transunion XXXX XXXX reports XXXX. High credit reports transunion XXXX and XXXX  reports XXXX. Past due balance is reported by transunion XXXX XXXX reports XXXX. Payment status reports from transunion current while XXXX  reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit transunion and XXXX  have nothing reported. Date last active transunion reports XX/XX/XXXX XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. 

All three credit reports have reported multiple times inaccurate information. 

XXXX XXXX  and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX  XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless
Product: Checking or savings account

My checking was closed, which I had no problem with. However, my entire online banking access was XXXX. I tried to re-enable it with customer support multiple times but I was told I would never be able to use online banking services anymore. Why is this necessary? This is the worst service I've ever had with any banks, and it seems no one cares about how inconvenient it XXXX cause to the customers at US Bank. I have been banking with multiple major national banks and this is completely unheard of. Very anti-consumer.
Product: Credit reporting or other personal consumer reports

I am requesting that you immediately removals on these inaccuracies and remove the disputed accounts from my credit report. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 1. Violation of Section 607 ( b ) : Accuracy of information 2. Violation of Section 623 ( a ) ( 1 ) : Furnishing Inaccurate Information 3. Violation of Section 611 : Failure to Investigate Disputes 4. Violation of Section 605 ( a ) : Reporting Obsolete Information 5. Violation of Section 623 ( a ) ( 3 ) : Failure to Mark Accounts as in Dispute 6. Violation of Section 623 ( a ) ( 7 ) : Failure to Notify of Negative Reporting
Product: Debt collection

credit collection service have been reporting past due XXXX to the credit bureau when in fact I have no business with them this was reported XXXX XXXX i have made dispute this matter with credit bureau and they refused remove the false charges I have tried to dispute inquiries XXXX they refuse to removed them and wont show the proof of investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I got a text from a number posing as my bank ( old national ) that asked if I recognized a transaction it prompted me to reply y for yes or n for no. I replied n I immediately got a call from the number that was on the back of my debit card. They already know my name and were acting as if my card/account had been hacked. They then asked me for the first 10 digits on my card with the month and year and cvs code.after getting that information and verifying it with them they asked if my card was hooked up to my apple wallet or anything. I said yes they said they needed to deactivate it. So they had me send transactions to them and then emailed me an old national transaction list and had me verify if the transactions matched. They assured me the money would be returned immediately. After a couple of transactions they would say something would go wrong we did it for around 9 times resulting in a total of {$6800.00}. I realized something was wrong and drove to my nearest branch where they deactivated my account and opened a new one. I disputed the charges but they rejected it and said that there was no error. They say because I approved the transactions theres nothing they can do. They told me to try to take it up with XXXX. I did and they told me that the bank would be the one that needed to give the funds back not them.
Product: Debt collection

On XXXX the XXXX XXXX  I reached out to the company to receive my account number or any information of the debt as I had notice it on my credit report. I did not receive any notice in the form of a letter, email, or call up till this point. They did not respond to my email. 
On XX/XX/2022 I received my first email from them in regards to the debt owed. It did not prove the debt was mine just gave the account number, the amount with interest owed and my previous address. 
On XX/XX/2022 I emailed them and asked for a valuation of debt. I also asked for the following documents : Name plus address of original creditor, that account number and how much was owed, Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay, and finally I asked for The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor State the amount of the debt when you obtained it, and when it was. Also written in this email I asked to stop being contacted through email, letter, text, and call. This email was ignored by the company. 
On XX/XX/2022 they sent another email exactly like the first expect it had more interest due. 
On XX/XX/2022 they sent out an email stating I owed more interest. In the same format as their other two emails.

They sent the same email three more times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 each with the interest due getting higher. 
On XX/XX/2022 I sent out the same email as I had sent before this time getting a response. They claimed to have sent it three times ( meaning the times mentioned above which do not provide the documents I asked for ). She also ended this emailed with a settlement was being offered as a courtesy and she would no longer open/address any further emails. I sent another email stating I have not received the documents and they never wrote back. They have continued to email, call, and text my phone after I have sent a letter twice stating I no longer want to be contacted about this debt.
Product: Credit card or prepaid card

Bank of America credit card fee. Tried to call to cancel card before annual fee was deducted. Was on hold for 30 minutes. After 30 minutes had to go on with my life. Called back next day and fee was charged and Bank of America refused to refund fee.
Product: Vehicle loan or lease

I had purchased a XXXX van from XXXX Nissan of XXXX. The car was priced at {$16000.00} plus taxes and fees. And I had a down payment of {$5000.00}. The car total came up to {$19000.00} including 7.94 %. But when I received my first month payment I realized they bumped my loan to {$29000.00}. Its clear that instead of taking my {$5000.00} deposit off they actually added it as an extra. I have been going to dealer to fix it however I keep getting thrown out and being yelled at. They think because I am XXXX and I dont speak English well they threatened me with reporting me to INS. I need this problem to be rectified. 
I have attached the car purchase price and also the finance contract.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX : Bankruptcy Reference Number XXXX Please block and remove this Bankruptcy from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. This is a fraud. Please remove this account immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX ( last 4 SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
Product: Debt collection

XXXX relentlessly called my cell phone and left voicemails not once stating it was to collect a debt, but that legal action had been taken against me and that I needed to return their call to prevent further legal action. When I did not return these calls, they managed to find the phone numbers of all of my immediate family members, and then continued to leave harassing voicemails for them as well stating similar legal courses. 

When I finally called in, I was told my number was no longer in service, although I had not and still have not changed phone numbers, and that although they mailed a letter to my old address ( I had moved cities for a new position ), family members ( or what they will call " References '' ) were their last resort. I was told they had no other manner in reaching me, even though they verified my email address without my needing to even provide it in the first place. 

So essentially, they had more than two ways of contacting me in attempt to collect a debt, and instead harassed myself AND my immediate family under false pretenses. For MONTHS. All for a whopping {$100.00}. 

Just to make it clear. Under The Fair Debt Collections Practices ( FDCPA ), all debt collectors in attempt to collect a debt MUST provide the following : Identify themselves during every communication. 
Notify the consumer that the communication is from a debt collector. 
Give the name and address of the original creditor. 
Notify the consumer of the right to dispute. 
Provide verification of debt. 

None of this information was provided to me until I called XXXX MONTHS after relentless harassment. Had I known from the beginning it was an attempt to collect {$100.00}, I would have called sooner, however from the initial contact, where not even my name was given ( voicemails only stated message was for " Name, Name '' ), all I knew was legal action was being taken against " Name, Name '' and that I needed to return the call right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to provide me access to my information after verifying it with them repeatedly. They have locked me out of my online account without recourse, before I even completed registration. They claim to be " investigating it ''. I offered to verify any information they needed. They declined, citing a further need to " investigate ''. This is an unreasonable burden on consumers who want fair access to their credit reporting and scores.
Product: Checking or savings account

I received this email this morning. I believe it is a scam. 
I can't copy the note, except for this portion : XXXXXXXX XXXX XXXX To : XXXX XXXX : XXXX The claim is that I have subscribed to their service and they are deducting {$330.00} from my account. 
Thank you! 
XXXX