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

These accounts are fraudulent, and I believe it was opened without my knowledge or consent. I have taken the necessary steps to report this fraud to the appropriate authorities and have filed an identity theft report. A copy of the identity theft report is enclosed for your reference.

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  15 U.S.C . 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A 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: Credit reporting or other personal consumer reports

have reviewed my credit report and found an error that must be corrected. In accordance with the Internal Revenue Manual, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charged off accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXX and they have confirmed that this account has been sold to different entity for collection. This information has been attached to this complaint. XXXX has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX. This is a debt collector, as defined by 15 U.S.C. 1692 ( a ) ( 6 ), which is a third party, and therefore can not be reported as a chargeoff on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, KS XXXX and have confirmed this debt has been sold to them. 
Additionally, the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is listed on my credit report as charge off. This debt has been sold to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is a debt collector. This law firm is a debt collector, as defined by 15 U.S.C. 1692 ( a ) ( 6 ), which is a third party, and therefore can not be reported as a chargeoff on my credit report.

Please send the requested 1099-C form.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed an account that is not reporting accurately. I have a late payment appearing on my XXXXXXXX XXXX XXXX account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXX I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your immediate attention and prompt action to my request.
Product: Debt collection

Sunrise Credit Service continues to call me numerous times a day after I've repeatedly told them not to. I've also tried to block their number, but they keep calling from different numbers that I can not keep up with in blocking them.
Product: Payday loan, title loan, personal loan, or advance loan

Spotloan interest is over 400 %, which is over the California ( my state ) limit. Additionally spotloan has made it difficult to make payments with inaccurate information.
Product: Mortgage

Hello, I have a mortgage through Loan Depot. When I make my payments they are doing something called a misapplication reversal and reapplying my payments at later dates causing me extra interest. 

For instance, after making my monthly mortgage payment, I will send in a principle only payment through the website and I click principal only check, instead of the mortgage box. After my payment has cleared and been processed by my bank, they do their misapplication reversal and reapply it weeks later and suddenly my principal balance due increases because more interest has been charged and applied to my account. 

This has been going on for months and I have several complaints and requests to correct it but I keep getting the run around. In XXXX of this year, they took my principal payments and applied them to my XXXX payment before my payment was due. 

When I asked LD to correct this, they said that they did it because I was late paying my XXXX payment ( on XX/XX/XXXX ). I still had 3 days before my XXXX payment was due. 

In closing, every time LD does a misapplication reversal it costs me more interest because they re-apply my payments week ( XXXX ) after it has cleared my bank. All of the payment history is posted in electronic format, showing my original payment date and when they reapplied it. 

Secondly, they take my principal payments and use them to pay future payments before my monthly payments are due.
Product: Debt collection

This medical expense was paid ( it was fee of {$160.00} ), but they sent it to a debt collector and now it has shown up as an " adverse account ' affecting my overall credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Credit card

Wells Fargo Financial has been reporting a negative " LATE '' payment to all of the credit reporting agencies since XXXX of XXXX. During the month of XXXX XXXX I did n't receive that month 's bill ( not by email or US Mail ) somehow they forgot to send it to me that particular month in question. I just so happened to review an online statement that showed a Late Fee assessed to my account ( which was specialized account connected to a purchase from a company named XXXX XXXX and financed via Wells Fargo [ opened XXXX XXXX, XXXX ] in the form of a credit card account ) ; so I immediately contacted Wells Fargo XXXX XXXX XXXX and filed my initial complaint in efforts of reversing any possible damage to my credit and fee assessment. Okay, the fee was credited back to me and I was told that nothing was or will be reported to the major credit reporting companies ( not to worry ). Well the only truth to that statement, was that I was reimbursed the fee that was assessed ; but they to this day continue to report that I was 30 - 59 days late to all the credit reporting agencies. I even disputed this with Wells Fargo on a formal level and they still have n't changed anything. My argument is that I was given back any alleged late fees and told this would n't be reported ( they lied to me plain as day ). I frequent the app ' XXXX and to this day my FICO score is a little above XXXX - NEVER EVER BEEN LATE in paying back any of my creditors and was excused by Wells Fargo, yet they still plague me with a negative blemish that haunts me to this present day and that 's noted on my reports as the only damaging entry ( absent of that, I 'd have a PERFECT credit rating ) .... 

*This in my second time placing this complaint, I just completed this entire form and was at review - after reviewing it 's content, approved it then hit " SUBMIT '' I got an system error message telling me to press the BACK button which erased my entire complaint content - I 'M XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

debt was paid in XXXX/XXXX/2016 to medical office. Now I am receiving letters from a collection agency called Transworld Systems , Inc. TSI
Product: Credit reporting or other personal consumer reports

I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.

Your cooperation in advance is appreciated.
Product: Mortgage

I have been trying to pay my mortgage since XX/XX/XXXX. Each time I try I am always a little short and they wont take what I have. I got a 2nd job and worked to get the money to get caught up. When I did it was just in foreclosure. I asked for a reinstatement they said they would send it in 3 to 5 days. I didn't get anything. I had to call several times and basically beg for them to email it to me. I got it and it said I needed to pay XXXX I talked to my account rep and told her that I had the money and it was in 2 different accounts. She said that was fine to send 2 payments as long as both of them got there by the date. I sent one for {$2000.00} and one for {$5700.00} {$2000.00} was XXXX XXXX  which was one of the options and the other a wire transfer directly from my bank. They returned the XXXX so I called they said to send it again and it would be fine. I did that and they returned it again. I called on Tues XX/XX/XXXX and was told they would send the XXXX back immediately and for me to send the whole amount. Which I would do except it is Friday and Monday is a holiday. They have promised me on 3 occasions that someone would call me back and nobody has. Its always 24 hours for a call back. I don't have 24 hours now. I just talked to someone and they have not even returned the XXXX yet however expect me to pay it by XX/XX/XXXX. They are now charging me a XXXX attorney fee and that is not right. I had the money to them when they wanted it.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX  XXXX Account name : XXXX Account # XXXX Account name : XXXX, XXXX. XXXX Account # XXXX  XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX  Account name : XXXX XXXX XXXX Account # XXXX  XXXX Account name : XXXX XXXX XXXXXXXX  Account # XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX  Account # XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1.XXXX  has 5 different account on my credit file for the same loan. 

2. XXXX is reporting incorrect amounts, dates, and account numbers are showing different on each report. I have not received any documentation in regards to how this account was verified and what method was used. 

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: Money transfer, virtual currency, or money service

I have an account with Wells Fargo, I closed the account in XXXXXXXX and Im still getting notifications that the account is overdrawn some money and Im not understanding how or why and they arent explaining why either because the account is closed but its effecting my credit score
Product: Credit reporting or other personal consumer reports

I filed XXXX in XXXX of XXXX. My auto loan with XXXX XXXX was not apart of the XXXX. It was reaffirmed and not discharged in the proceedings. They erased the auto loan from my credit and refuse to report my loan or present payments to the credit reporting agencies. I have called them many times and have wrote a formal letter to request that they report my loan. This is my second complaint with CFPB because XXXX XXXX 's response was " due to a systems limitation we are not able to put your auto loan back on your credit report or start reporting now '' That did not fix the problem and there was no resolution. Nor was there anything that they offered to do to fix their system limitations. They didn't even say what the system limitation was. It is a major banking institution that has system limitations when it comes to reporting to the credit agencies?? Really? I have a loan that I pay every month on time and I deserve to have it reported to my credit. This year ( XXXX ) they deleted all loan history from XXXX til now!! They want their money every month which I give to them on time. Why are they allowed to get away with erasing my loan history, not reporting current and refusing to fix the problem?
Product: Credit card or prepaid card

I was offered to sign up for the Target Red Card in store by their Cashier at their Target Location in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. She had informed me that all i needed to do was provide her with my information and she would place that application through. She had informed me i was approved for the total of XXXX credit Limit and that i can start using it before my card arrived with some recite. No other information was given to me but that. A couple of business days later my card had arrived and was able to use it. Yet i was not informed of what my interest rate would be or what even is the amount of time i have before i would be charged for interest none of that was provided to me. I then began to receive phone calls from their collectors informing me i had debt to pay i was aware of the XXXX XXXX i needed to pay because that was the only transaction i had done with the card later to find out i owed late fees. I own other cards i have an excellent on time paying record showing i would never make a payment that is almost a whole entire month late is has ruined my credit and i have contacted their customer support only for some so called higher up let me know it's my problem and and if i was smart enough i would have searched it up. That is the worst i have ever had to deal with.
Product: Mortgage

There was an miscommunication made during my payment deferral evaluation that delayed my payment deferral resolution. As a result I was reported for two months delinquent prior to the completion of my payment deferral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to leave outdated addresses on my credit report. I've repeatedly said that the XXXX XXXX XXXX XXXX  XXXX address is outdated and needs to be removed. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> National Credit Adjust XXXX, XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear, National Credit Adjust I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX Please consider this letter a formal request for the following : 1. Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 

2. Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 

3. Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

This creditor is masking their number with local phone numbers rather than the actual number left to contact them at in their voicemail. 
Repeated calls and voicemails and now also to family and next of kin every day. 
There has been no mail communication to verify who this is, or the debt owed, only the constant phone harassment. 
From Omnipoint calling from several XXXX area code numbers : XXXX XXXX XXXX Coming up as XXXX NY The voicemail says to call XXXX