23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting ( copied from the affidavit attached ) *******
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$7300.00}
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card

CitiBank says we made purchases of {$1000.00} each on XXXX XXXX and XXXX XXXX, 2024 from XXXX. We are the victims of identity theft and are disputing both charges. We have never shopped at Home Depot and don't have any of their stores near our city. We attempted to contact them but received no response.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I XXXX, XXXX sent a verifiable request to CERTEGY PAYMENT SOLUTIONS LLC by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/XXXX  I received a letter titled consumer file disclosure which didn't include my FULL FILE. Also, the government issued id # listed on this notice is unfamiliar to me and not attached to me in any way. All information required to request a full file disclosure was submitted with the original request. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from CERTEGY PAYMENT SOLUTIONS.
Product: Debt collection

THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE THREE CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE 3 AGENCIES.
Product: Checking or savings account

Bank of America decided to stop supporting the Constitution and the second Amendment by freezing credit to gun manufacturers. This has a negative impact on me and will increase the cost, decrease the availability of myself and other law abiding citizens from exercising their 2nd Amendment rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called Transunion and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

XXXX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXXXXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BANK OF AMERICA XX/XX/2018 As trusting B of A for the last 34 yrs, As being a member I have become at this day of XX/XX/2018 a VICTIM of my personal finances, name, home because of requesting mortgage Assistance as of receiving a letter at my home on XX/XX/2018. As of today I fear the worst, with how I continue to receive at this time frame of 45 days to prepare for my mortgage payment to change with Increases of difference of a over 100 % increase? Letter attached is prof of the facts Iv'e stated above. I take responsibility for my mortgage payments as paying on time and paying the monthly payment of {$1800.00}, But the letter indicates in my terms of my loan had XXXX yr period during witch my interest rate stayed the same, That period ends XX/XX/2018 .So on this date XX/XX/2018 your INTEREST AN PAYMENT MAY CHANGE. with at this time there estimate of increased new payment was {$3400.00}, As I stated I applied with B OF AMERICA for Mortgage Assistance as after contacting B of A and trusting them with there telling from the mortgage and loan dept .As a few weeks had passed I called to see about the progress of this 6 page application I was told to find online ' fill out the required question that pertain to my needs of assistance of need some help with this increase of Mortgage payment.? ANSWER ( no record ) of application process in there system .I was devastated with knowing i had little time to resend this application again, certified mail this time .On XX/XX/2018 I get a letter from B OF AMERICA that saying The servicing of my home loan will transfer to XXXX XXXX XXXX XXXX? Why GREED AS B of A SEES a easy way to sell my loan off TO MAKE MONEY .and DID .Now with the NEW payment even higher at {$3700.00} .This is the part that has made me sick, the letter basically has left me dealing with XXXX  TO GET ASSISTANCE, As I have contacted XXXX  ON XX/XX/2018 they REPLIED I'm not in there system try back in 5 to 7 business days? I have to only believe B of AMERICA has failed in my privacy of personal info mation within them selling my loan as a high risk as chance of forecloser to the world of scams, fraud companies harassment, calls and emails asking if i need to borrow money, my home is going into fore closer, This is really a blow to the head, since I NOT EMPLOYED AS B of America was told by myself sending them my application for some type of assistance. This has caused myself to become fearfull of losing my home for asking like I stated trusting B OF AMERICA, Thanks for reading can you PLEASE HELP ME SAVE MY HOME OF 17 YRS????????
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

Frontier Member # : XXXX This complaint is regarding frontier promotion with Barclays credit card. My offer was to get XXXX points with XXXX XXXX yearly fee after {$500.00} purchase. Link below I have applied for card XX/XX/14 and finished purchases by end of XXXX and XXXX point was rewarded in second week of XXXX. 
XXXX XXXX XXXX XXXX As per document at the time of complaint.. elite statusXXXX was supposed to be with XXXX points. 
XXXX XXXX XXXX XXXX  As per offer on credit card page there is no difference mentioned about normal point for elite status vs bonus point for this offer and its giving the impression by earning XXXX points.. you will get elite status, however when contacted agent mentioend these are different points and you have to make that much purchase to get elite status and these XXXX points doesn't count for elite status. 
No where on credit card page its mentioned about this point not considered for elite and details are given on page about elite status give impression about earning that only. 
Its clear case of false and misleading advertisement and fooling the customer. There customer service is not able to provide any documentation on difference between points stated in offer page. its a scam to get ppl apply to credit card Given screen shot of offer
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was the victim of a wire transfer scam. I received a fraudulent phone call spoofed to appear as Wells Fargo Bank, from phone number XXXX ( XXXX ) XXXX. Under false pretenses, I was convinced to wire {$9700.00} to an account at XXXX XXXX Bank. 

I immediately contacted my bank ( Wells Fargo ) to report the fraud and requested a wire recall and fraud investigation. However, my bank informed me they would not take action to attempt to recover the funds. I believe the bank failed to properly investigate under federal wire fraud regulations and FFIEC guidelines. 

I am requesting that my bank make a good faith effort to recall the fraudulent wire transfer and assist in recovering the stolen funds, as per their obligations in cases of wire fraud. 

I have also reported this incident to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and my local police department. 

I request the CFPBs assistance in compelling the bank to fulfill its responsibilities regarding fraudulent wire transfers
Product: Mortgage

To whom it may concern ; My wife and I have a mortgage with Wells Fargo that they have refuse to modify. We have also tried to refinance away from Wells Fargo to no a veil. The last company that we tried to refinance with advised us that Wells Fargo has credit reported over {$17000.00} in the rears which is not true. We were in foreclosure, we brought the loan current last XX/XX/XXXX. I n XX/XX/XXXX of last year Wells Fargo raised our mortaage payment {$400.00} a month. Just last week we received a letter from Wells Fargo that we are over {$8000.00} past due, which again in not ture. We are only 2 payments behind. Our mortgage payment is {$2100.00} a month. We did a loan modification back in XX/XX/XXXX which was a step rate modification which has put us back in the same situation we were in before we modified our mortgage in XX/XX/XXXX. My wife and I want to modify our mortgage so we can afford to stay in our home or refinance away from Wells Fargo with a refinanced mortgage that we can afford to make every month. With our mortgage payment being {$2100.00} a month we are struggling to make the mortgage payment every month, which is why we'very fallen behind again. We are trying to avoid going back into foreclosure again. Wells Fargo has made it with our credit report that no one wants to refinance us and Wells  refuses to modify. We need help, we do not want to loose our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX, XXXX, and Equifax about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
Product: Credit reporting or other personal consumer reports

Experian is falsely reporting an account in my name that had been determined opened in error along with the corresponding invoice inquiry. 

XX/XX/2023 I had called the XXXX XXXX XXXX XXXX XXXX department and it was determined this account was not mine and it was opened in error. I have written documentation from the company stating this. They ( XXXX XXXX ) also state that they will request all XXXX bureaus to remove account of XXXX XXXX and inquiry. 


XXXX and XXXX removed the account and inquiries almost XXXX weeks ago. I received notification XX/XX/XXXX that Experian placed the account on my report and kept the inquiry as well. 

I want this removed!!!! We are supposed to be closing on a home in two weeks. If the false reporting messes our closing up I am taking legal action.
Product: Student loan

I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, XXXX. Before XXXX, my servicer was XXXX XXXX XXXX XXXX XXXX directly after graduation from the University of XXXX  in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Product: Debt collection

its simple is it legal for CC companies to report negative things to the CREDIT BUREAU while the DISASTER PANDEMIC IS GOING ON BECAUSE I READ IN THOSE LAW XXXX I BELIEVE IT SAYS NO SCORE CHANGE OR LATE PAYMENT SHOWED??? IT WAS IN THE WEBSITE DFPI???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. As a result, this account should be deleted.

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: Debt collection

My name is XXXX XXXX, and I am submitting this complaint without any influence from anyone other than myself. 
It has come to my attention that I have been deliberately violated. Mca Management has chosen to WILLFULLY violate my federally protected rights. They are using unfair, unlawful, and extortionate means in an attempt to illegally collect an alleged, invalidated debt. 
Federal law CLEARLY prohibits such. 

I have never given MCA Management or any other Organization my EXPRESS consent to furnish anything to my Consumer report. No consent is by law, considered fraud and aggravated identity theft! 
They are unable to produce a contract between their Company, and myself, giving my consent to furnish this information on my behalf, pursuant to 15 usc 1681. 
Neither can they provide proof that they've followed reasonable procedures to verify they are using my information in a manner which is fair and equittable to me, the Consumer, with regard to the confidentiality, accuracy, relavancy, and proper utilization of my Consumer report. 
Additionally non public information is not supposed to be on a Consumer Report. 

Furthermore, they have breached my right to privacy. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( 15 USC 6801 ) CLEARLY states that non affiliated third parties should not have my nonpublic personal information without my consent, which is also fraud! Again, my nonpublic personal information ( transactions ) should not have been disclosed to any non affiliated third party without my lawful consent. 
This information needs to be removed from my report entirely. Nothing under the FCRA or FDCPA requires them to furnish negative information about me to a CRA, pursuant 15 usc 1681s-2 ( 7 ) ( E ).

18 USC 1894 says that punishing a Consumer for the nonrepayment of an alleged debt, by furnishing NPI to a third party without my consent as a means to make me pay or ruin my financial reputation, is a violation. It also says the furnisher ( MCA Management ) could be civilly and criminally liable, which includes fines and carries criminal penalty of up to 20 years of imprisonment. Beyond that, Congress made it explicitly clear that the Consumer is the only person who can validate an alleged debt, not even the court of law can do such. 

On XX/XX/XXXX I called MCA Management in regards to this matter, I spoke with XXXX XXXX and attempted giving her the information above. She said she didn't want to hear it. " If I don't want to pay balance today, we have nothing to discuss '', and slammed the phone in my ear. I called back and spoke with someone who did the exact same thing. They also blocked my number from calling. I called different number XX/XX/XXXX and they blocked number on all of them. I called and asked to speak with the Director and was denied. I attempted to call back and was told " you need to seek help '' and proceeded to hang the phone up in my ear. Also blocked me on that number as well. 

This is considered abusive and is beyond unacceptable. My rights have been continually violated and something must be done.
Product: Checking or savings account

My husband was traveling for work out of state. He went to a walk-up gas station in XXXX XXXX XXXX New York and XXXX a pack of cigarettes. I saw an unusually large transaction for {$1300.00} dollars come from our account and called him to question the transaction. He said he bought a pack of cigarettes, and it was {$13.00}. We figured out that the clerk entered the wrong amount. My husband went back to the store and the clerk told him that he could not help him and that he would have to file a dispute with the bank. We filed a complaint with Wells Fargo in XXXX, and they credited our account for XXXX and started investigation. They sent us a letter XX/XX/XXXX and stated they concluded their research and denied our claim, they stated they will be taking the money out of our account on XX/XX/XXXX. I called to reopen the claim and they will not assist us or work with us on the XXXX that they will debit out of our account. I have had to fight disputes with other companies and was never told I could not reopen a claim. I feel helpless and I feel that Wells Fargo has done nothing to advocate for their customer. They did say they would send me " documents '' that concluded their investigation, but I will most likely not receive them for another 30 days. I feel absolutely helpless, and I am being put in an awful situation. I know I am just a number to them, but I hope to advocate for future consumers. I do not have funds to hire legal services and I do not know what to do. I am extremely hesitant to use a debit card ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed XXXX  account in XXXX. Paid last bill that was posted ( supposedly my last due ) got turned over to creditor Convergence Outsourcing- received no notices via mail, email or phone. Found account on credit report which I called and paid by settlement in XXXX XXXX with the caveat that if I did so it wont show up on my credit ( compained about above ) was told it wouldn't. Now its showing up on my credit as if I had just paid it in XXXX of XXXX. I want it completely removed from my credit report as I have disputed it with XXXX and XXXX with no change made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business  procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.