23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 card or prepaid card

Since Bread Financial took over Ulta Rewards/Comenity . I have been in Account Fraud trying to get an issue settled for almost a year.

They are sending Me Two statements from Ulta ... one is an OLD XXXX balance card that they reopened n put {$750.00} payments in it that was supposed to go toward my current account. Since then they HAD fixed it back to XXXX ( acct should be closed ) .then it was {$350.00} owed n they sent me a check back for {$350.00} which makes no sense. 
Now? Theyre charging me interest AND fees while they work on it. They are RUINING MY PERFECT CREDIT. 
I can not even pay it off in the interim bc they CAN NOT FIND THIS ACCT.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history.Update the account/s below : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX included my expunged criminal record in a background check. Initially, the representative tried to blame the county for providing the information, but after speaking with a supervisor they admitted that they had gotten the information from their own database that was never updated. In addition, the name of the charge was incorrect and so was the level of the offense. After working for 8 years towards an expungement it was incredibly traumatizing and embarrassing to have this dredged up again. While I have been assured they will review my dispute and report the correction to my possible employer, this may take up to a month. The employer in question may need to hire someone else in this time, and even if I am hired it is extremely embarrassing to have this issue. This has been a huge financial and emotional burden. Finally, I this company has asked that I fax them all the needed documents putting the burden of proof on me. I find this unacceptable as XXXX XXXX   XXXX XXXX XXXX is the one providing false and out of date information.This company is currently reviewing my dispute, but in my opinion, irreversible damage has already been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested that the credit reporting company provide written validation document that the XXXX Account # XXXX reported on my account. Transunion has failed to provide written debt validation documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Wells Fargo credit card account number XXXX was opened to finance hearing aides. Initial Offer was finance free for 1 year with a {$3000.00} balance. This credit card has been open for approximately 2.5 years. Over the course of the credit loan, Wells Fargo has been charging {$38.00} each month as a late fee, offering no grace period of any kind but was never informed at the time when I established the account. Normally credit card offers some period after the established payment pull date. The fees have been exorbitant, creating a situation where it would have been paid off by now, however the fees have just continued to accrue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute an inaccuracy on my credit report, which I recently obtained and reviewed. Below are the details of the disputed item : Creditor Name : XXXX  Account Number : XXXX Upon reviewing this account information, I noticed a factual inaccuracy that requires correction. The credit report states that the account was charged off with a balance of {$670.00}, but it also mentions that the balance is {$0.00} and that the account was purchased by another lender. This discrepancyindicating both a charge-off and a {$0.00} balanceis conflicting and potentially misleading. Furthermore, the status update date of XX/XX/XXXX does not align with the payment history, which shows additional updates into XXXX. 

To resolve this matter, I request the following actions : A complete investigation of the accounts status and payment history. 

Clarification and correction of whether the account was fully resolved, transferred, or remains in a charge-off status. 

An update to my credit report reflecting accurate and consistent information. 

I have attached a copy of my credit report highlighting the disputed item for your reference. Please include any supporting documentation provided by XXXX or the subsequent lender to substantiate the accuracy of the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. If the disputed information is found to be inaccurate or unverifiable, I expect it to be promptly corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your investigations progress. 

Sincerely,
Product: Mortgage

This is a complaint regarding SHellPOINT MORTGAGE SERVICING. THE COMPANY REFUSED THE LOAN MODIFICATION PROPOSED BY KEEP MY HOME CALIFORNIA. CLAIMING THEY HAD THEOR OWN MODIFICATION. THEY OFFERED TRIAL PAYMENTS FOR 6 MONTHS ALL PAYMENTS WERE MADE THEN THIS UNETHICAL COMPANY AFTER THECTRIAL PERIOD LIED AND RAISED THE MORTGAGE PAYMENTS AND REFUSED TO ACCEPT PAYMENRS FOR THE SAME AMOUNT OF THECTRIAL PAYMENTS. THIS COMPANY IS UNETHICAL AND WHENEVER PAYMENTS ARE SENT THEY SENT PAYMENTS BACK. THERE IS NO ONE POINT OF CONTACT. XXXX YOU CALL MULTIPLE TIMES ONLY A VOICE MAIL IS RECEIVED.
Product: Credit reporting

Dear Sir/Madam, I already disputed this issue with all XXXX credit bureaus and all of them seem to have deleted it except Experian. There is a report on my personal credit about a small business credit card by XXXX XXXX belonging to XXXX XXXX XXXX which I am a shareholder. This card is a corporate card, not personal credit card and it does not belong solely to me. This is a limited liability company and I never accepted to be personal guarantee to the debts. According to Florida statutes, I should not be personally liable for a limited liability company. Experian today stated that they will not remove it from my personal credit report and said XXXX XXXX would like it to stay on my file. I reject to be held responsible for a corporate credit card of a company in which I have only 5 % shares. This should be removed from my personal credit report completely and Experian needs to be notified to take proper action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit www.consumer.ftc.govXXXX or www.consumerfinance.govXXXX  to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you
Product: Debt collection

In XX/XX/, my identity was used to open a credit card with XXXX XXXX XXXX  XXXX. The thief then charged approximately {$1000.00} to the account. I opened a fraud investigation with XXXX and it was found that the account fraudulent. The account has been removed from my credit history. Even though XXXX has confirmed the account was fraudulent and has closed the account, the debt was still somehow sold to Midland Credit Management, who is now attempting to collect on the debt. They are trying to collect on a debt that does not belong to me.
Product: Debt collection

Policy was paid in full in XX/XX/XXXX. 

Received notice from XXXX on XX/XX/XXXX that policy was past due. The letter noted it was going to be turned over to a collection agency. 

Called XXXX and they did an audit of my account. They mailed me a confirmation showing that the policy was paid in full, and that there was no balance due. 

On XX/XX/XXXX I received a letter from a Collection Agency ( Credit Collection Services ) stating that they are collecting on behalf of XXXX for the full balance of the policy, which was already paid.
Product: Debt collection

I told them that the company did not send bill to the right medical insurance company. They stated that it was my problem, that they would not contact the original company to take care of this mistake. They would not take my medical insurance companies information to try to resolve this problem.They were rude and didn't want to cooperate with me on taking care of this mistake. They did not want to hear anything that I had to say. This is not how a company should be ran. This is far the worst company that I have ever worked with.
Product: Debt collection

Trying to collect a debt that is not in my name and violations of FCRA in false reporting.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip : XXXX, NY XXXX RE XXXX Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau Experian on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and XXXX XXXX XXXX and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Accounts : XXXX XXXX  XXXX  {$60000.00} XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$540.00} Kind Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX report indicates that Gateway First Bank ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my XXXX XXXX file was frozen. 


Gateway First Bank didn't have my permission to request a report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid the debt to XXXX in amount of XXXX and waypoint wont update their records after i sent then proof and update
Product: Money transfer, virtual currency, or money service

Navy Credit Union has {$10000.00} that should be returned ASAP to the sender. 
It was original send on XX/XX/2022. Navy Credit Union said it will take up to 240 days from XX/XX/2022. Mean while we have been send to collection. 

Please call me for a full discloser.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian in XX/XX/XXXX to inform them about various inaccurate information reporting to my credit file. As a result I've been mistreated and passed around from office to office. Every time I call Experian I'm put on lengthly holds and talk to very rudely with nothing getting done in terms of correcting the inaccurate information listed in my credit report. I've been lied to and mistreated by various reps XXXX XXXX and XXXX XXXX from Experian have all talked to me rudely and disrespected and used slanderish and XXXX terms without providing me service on my file. At this point I feel very uncomfortable speaking to Experian. 

I'm at the end of the rope with Experian. I have all calls and experiances documented and my next step will be hiring and attorney and suing them in Federal Court. 

With that said I still have inaccurate information reporting on my file that needs rot be finally addressed as a result of ID THEFT. Here is a list of the inaccurate things : Accounts : 1. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 2. XXXX XXXX Acct # XXXX ( Fraud ) 3. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 4. XXXX XXXX Acct # XXXX ( Fraud ) Public Record : 1. Chapter XXXX bankruptcy petition # XXXX Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXXXX/XX/XXXX12. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Also Enclosed my FTC FRAUD AFFIDAVIT
Product: Credit card or prepaid card

I am writing this letter to bring to your attention the issue that I have been facing with regards to my credit card account. My credit card account number is [ XXXX XXXX ]. 

I closed my credit card account and cleared all outstanding dues long back. Despite this, I have been receiving SMS notifications from CITI BANK regarding the payment of dues on my closed account. 

I have tried contacting CITI customer service department multiple times to inform them of this issue, but I have not received a satisfactory response. The continuous SMS reminders are causing me a great deal of inconvenience and anxiety, as I have already settled all the dues and have no outstanding balance. 

I request you to take immediate action and ensure that I do not receive any further SMS notifications regarding the payment of dues on my closed account. Furthermore, I would appreciate it if you could provide an explanation as to why I am receiving these reminders even though I have already cleared all dues. 

I expect your prompt attention to this matter, and I would appreciate a resolution at the earliest. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF / LEAD - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I paid my loan off in full with an overpayment and they have not returned my over payment of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this XXXX adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.
Product: Money transfer, virtual currency, or money service

I have an account with Cash App. My name is XXXX XXXX. The account with Cash App handle is $ XXXX and my email address which they use as user name is XXXX. On XXXX XX/XX/2021, I made a deposit to my Cash App account for {$3000.00}. There was {$4.00} in the account. After the deposit I had {$3000.00}. The following day on XXXX XX/XX/2021 i try to log in. I forgot my password and tried too many times login too many times and the account was locked. For months, I have try to get my account open without success. Cash App doesn't want to help me in any way, even though, I asked them many times for help. All I want is my money. Nothing else. I'm attaching all the conversations I had with them.