23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was an attempt to collect on a judgement. I settled the Judgment IN FULL on XX/XX/2020 and continuously asked for a Satisfaction of Judgement lettter either unfiled or filed for 3 weeks and they have refused to provide me any documentation. They have told me numerous times that they have all my satisfaction of judgement completed but their attorneys take 4 weeks to sign the piece of paper. Even after expressing to them I would file a complaint with CFPB they refused to work with me or release the Satisfaction of Judgment Letter.
Product: Student loan

I have been trying to ask them to lower the outrages monthly loan amount they expect me to be able to pay. 
The interest on this loan is SO high I will never be able to pay it back! 
An original loan of {$10000.00} I now owe {$50000.00} or more ... 
Ive never been able to pay the CRAZY monthly amounts they have asked for!
Product: Credit reporting or other personal consumer reports

THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXXXXXX XXXX XXXXXXXX XXXX {$580.00}
Product: Debt collection

This debt was on my credit for 7 years, it came off and 4 months later this company came out of nowhere and resubmitted this as debt to my credit report. I never got any notice from them about this debt. Also the debt was over XXXX XXXX XXXX and already fell off the account. They are also not licensed in New York to collect debt.
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

DISCOVERBANK XXXX
Product: Debt collection

There is a collection account opened in my name by FIDELITY PROPERTIES IN. They claim my original debt is owed to XXXX XXXX. The collection was opened on XXXX XXXX 2017. I do not know how this charge came under my name. It could be a case of Identity theft? I did not go to XXXX hospital that year or the preceding year for any purpose! There is nothing in my medical records to reflect this alleged charge. I tried to dispute this charge through all 3 credit bureaus. XXXX and XXXX both removed the collection from my account. XXXX did not. They contacted the collection agency and claim the charges are valid. That is impossible. There must be some record of me visiting the hospital or getting some procedure done to account for these charges. No one has produced any evidence to validate these charges. There must be something. An emergency room admission, test results, medical records, something. I know for a fact they can not have any of these things as I had no reason to go to the hospital. I am healthy. I have had no accidents. I have not been ill. If they have something in my name the only logical explanation is someone else used my name falsely to avoid the charges themselves. Even if that is the case there should be video evidence to prove that the person seeking medical attention was in fact not me. I do not know how else to dispute these charges. If this is not something that your organization handles could you please direct me to the proper channels that I may have this removed from my records. It has significantly damaged my credit rating. There is about XXXX points difference between the 2 valid reports and the one with the false charges. This keeps me from building my credit and gives me higher interest rates. Please help me in this matter. I would like to know where these charges came from and how they were placed under my identity. They can not possibly be valid as the hospital visit never happened. At least not by me. I have no documents to attach as this is a false charge and never happened. Thank you for your assistance in this matter. Sincerely- XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX, entered into a consumer credit transaction with CHRYSLER CAPITAL on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CHRYSLER CAPITAL took cash. The finance charge is suppose to include insurance, but CHRYSLER CAPITAL made me purchase insurance separately. CHRYSLER CAPITAL is in violation 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 

Pursuant to the provisions of the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635, I hereby rescind the above-referenced loan, due to violations of TILA, including but not limited to the unlawful failure to give timely and proper notices required under TILA. 

With this letter, I hereby exercise my rights under the Federal Truth in Lending Act, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23 ( b ) ( 5 ) to rescind the above referenced Auto Loan. The Truth in Lending disclosure statement was defective for the following reason : CHRYSLER CAPITAL is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge is suppose to includes insurance which protects the creditor against the obligor 's loss, and property damage. CHRYSLER CAPITAL did not include my insurance in my finance charge and made me purchase seperately. 

CHRYSLER CAPITAL is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. CHRYSLER CAPITAL in fact took cash as shown in the attached exhibits. 

CHRYSLER CAPITAL is in violation 15 USC 1611. CHRYSLER CAPITAL willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable. 

Pursuant to 15 U.S.C. 1635 ( f ), my right to rescind this loan extends for three-years as a result of this defective Truth in Lending disclosure statement. This rescission notice has been sent to you within that time period. 

Please be advised that your security interest on my vehicle is now void per 15 U.S.C. 1635 ; Regulation Z 226.23 and you have twenty-days to return all of the payments I have made on this loan and to do your part to terminate the security interest on my vehicle, terminate loan and also as remedy pay the attached invoice for violations of federally protected consumer laws prasuant 15 U.S.C. 1601 which includes double my finance charge which you are liable for, I need my title lien free, and my vehicle returned, also I REVOKE and TERMINATE any and all POWER OF ATTORNEY that was given during the consumer credit transaction.
Product: Credit card or prepaid card

The company closed my account in response to my previous complaint. No worries, y ; all XXXX  anyway. 

I'm glad the relationship is over, however I still don't have a resolution to my complaints regarding fraudulent transactions on XXXX. Two tansactions totaling XXXX dollars were " investigated '' but no results or funds were ever provided. I was complaining about the lack of resolution, how ironic they closed the account, WITHOUT TELLING ME, about that complaint. Call me, begin a complaint, then never complete it. But you closed the account. 

Where is my money? How long does it really take to investigate a non-delivery? It has been well over the 120 days indicated, again, how does it take that long? Yall are XXXX. Give me my money. If you're reading this, close your account, or never open one with them. They are the absolute worst.
Product: Credit reporting or other personal consumer reports

Couldnt provide documentation, account is innocent inaccurate please delete proof in pdf conversation with company
Product: Credit reporting or other personal consumer reports

It was brought to my attention upon checking my credit report. There is an account owned by XXXX XXXX XXXX opened around XXXX  owed a debt. I have no knowledge of this account and has been confirmed fraudulent. They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership. They have validated my rights protected under 15 USC 1681 privacy and confidentiality.

As well as 15 USC, ; Regarding accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and Equifax asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX XXXXXXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX  XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo opened up several account that I had no information of when I was banking w them Disrupted my credit report
Product: Debt collection

I sent a letter to all three credit bureaus to dispute a debt from Portfolio Recovery Associates on week of XXXX XXXX and PRA sent a letter on XXXX XXXX saying they bought the debt from XXXX XXXX. They did n't validate this debt because they said they got it electronically. I sent them a letter to fill out in order to validate this debt on the week on XXXX XXXX ; they fail to validate but they updated on my credit reports that the debt meets FCRA requirements. This collection agency even have my first and last name spelled wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my CD within the window, but citibank did not send the check. I spent several hours working through their convoluted customer service process being disconnected multiple times by employees who appear to be incentivized to keep you from closing your account. There is no process to get a call back, or to ensure they can not continue to disconnect you, even at the supervisor level there is no way to ensure you issue gets addressed. 

After hours on the phone I am still unsure if they are going to send my money to me.
Product: Checking or savings account

I filed a Billing dispute with Bank Of America for misuse of funds. A company that I hired to XXXX a legal dispute used my Bank of America account for monthly payments without my permission. I have a legal contract with the company listing a whole different banking account and bank of America claims my 1st dispute was denied because I gave someone access to use my credit card information. That's not true I have had this account for years prior to being married it's not something I own with my wife. After speaking with the bank I was told, the claim was done wrong and to fax over the contract and all my emails and messages showing the lawyers office admitting they used the wrong and account and would refund me the money. XXXX XXXX XXXX  who I files a grievance with for collection {$3500.00} as a retainer and hasn't done XXXX thing on my case besides send a letter. I'm owed the XXXX because it was taken from my Mortgage bank account that they didn't have permission to use. Now Bank Of America has my account in the negative and I want a more detailed explains to why I can't get the money back.
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data quickly would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting or other personal consumer reports

Ive found unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2. Please ensure these inquiries are removed. Thank you!
Product: Credit reporting or other personal consumer reports

I have not authorized the following inquires and I need these items removed immediately from my Equifax, XXXX and XXXX report. 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

I contacted my credit card company to report fraudulent activity on my XXXX credit card. Two transactions on XX/XX/2017 posted and should be reversed due to fraudulent activity. Yesterday Bank of America closed the case and has refused to reverse the unauthorized transactions : Transaction date : XXXX  Posting date : XX/XX/17 Merchant : XXXX | Location :  XXXX NJ | Amount : {$230.00} Merchant : XXXX | Location : XXXX NJ | Amount : {$12.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account. 
Accout # XXXX XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Delete this account. 
Accout # XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account. 
Accout # XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX my credit report Accout # XXXX XXXX US-CODE XXXX XXXX OR MISLEADING XXXX XXXX XXXX Remove from my credit report XXXX # XXXX there is some inaccurate information reporting. 
XXXX XXXX Delete this account. 
Accout # XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Accout # XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX XXXX from my credit report Accout # XXXX there is some inaccurate information reporting. 
XXXX Delete this account. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX - XXXX  DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting

XXXX has reported that I was XXXX times I 30 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never been late.please refer to my XXXX XXXX XXXX monthly statement, XXXX, XXXX cashed my payment of {$2900.00} on XXXX XXXX, they got paid XXXX, XXXX XXXX, XXXX XXXX got paid XXXX, XXXX they got paid XXXX, XXXX XXXX got paid XXXX as you can see i have never been late and Equifax is refusing to report correctness. Equifax was trying to sell me products, I refused so that 's why, which is totally unfair. I want Equifax to report correct information that I was never late.paid on time every time.
Product: Credit reporting or other personal consumer reports

Checking my credit report today, I was alarmed to find an unauthorized inquiry that should not be there. I dont understand how this happened, as I routinely check my report. At first, I thought it was a display error and refreshed my browser, but it made no difference. This situation is beyond frustrating, and I expect immediate action. I need you to thoroughly examine my submitted documents and resolve this issue once and for all.
Product: Debt collection

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 has violated my rights. I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I wrote a check to pay my charge card bill to XXXX XXXX for {$1900.00} and mailed it in a U XXXX postbox on XX/XX/23. On XX/XX/23 I check my online checking account and noticed the check written to XXXX XXXX was altered to a different payee ( XXXX XXXX XXXX ) and was cashed. I then went to Key Bank to report what happened. The bank XXXX at that time told me he filed a fraud report, and a pending deposit would be made in my account for the total {$1900.00}, pending a fraud investigation. Once the fraud department determined this happen with no fault of mine, the amount would be returned in full to my account. A series of events have happened since which I can explain if needed. Finally on XX/XX/23 the bank XXXX called me and said XXXX is no longer taking any responsibility, and he misunderstood the companies policy on this type of fraud, that the check was cashed at a Bank XXXX XXXX, and if they will not make good on the total of check I am on my own to try and recoup my loss. The case number filed at Key Bank XXXX XXXX department is XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my wireless carrier took {$330.00} from my account for a bill that I had already paid with a different card. I disputed the charge with Wells Fargo and a provisional credit was issued to my account and I sent Wells Fargo the proof of the duplicate payment in the same amount. However I had unknowingly misspelled the email address and the proof was not received. 

On XX/XX/2022 Wells Fargo incorrectly reversed the credit and willfully overdrew my account. I called and confronted them and was told to resend the proof to the email address XXXX which I did. I called in 2 days later, today XX/XX/XXXX, and requested the error be corrected. 

Instead of correcting the issue I have received nothing but one excuse after another and being threatened by their third world foreign call center reps who can not speak English and I have yet to receive my stolen money back. 

If my stolen money is not immediately credited back to my account along with a public apology, I will have no choice but to pursue legal action against Wells Fargo.