23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I went to Drive through of Wells Fargo on XXXX XXXX XXXX, PA. And retrieved money. The agent who assisted me reached out to me and informes me she gave my Driver License and Debit car to the wrong car and she was going to call them so they can return it. She asked for my phone number so she can call me when they drop my card off. I parked and immediately I went inside to talk to the manager. All they say was they can cancel my card and give me a new one. I brought to their attention whoever got my card they knew everything about me. My name, date of birth, DL number, My address, everything and the manager stated again all they could do was to give me a new card. So I am reaching out to you because I am extremely upset and their own policy is to protect my personal information and they violently that. They didnt care or were careful they just gave it away.
Product: Debt collection

On XX/XX/XXXX I received an alert via my credit monitoring that my credit score dropped XXXX points. After looking at my credit report, I see that there is a negative account named Monterey Collection services that was reported to XXXX as a " charge off '' on XX/XX/XXXX in the amount of {$2500.00}. I at no time received any mail correspondence indicating that this account was in collections. After calling Monterey and speaking with XXXX XXXX XXXX on Monday, XX/XX/XXXX, she is telling me that they did send mail correspondence along with emails regarding this account. After looking through my email inbox and junk inbox, I did find ONE email that was in my junk folder dated XX/XX/XXXX stating that the above amount is due and that " you are hereby notified that a negative credit report reflecting on your credit record MAY be submitted to a credit reporting agency if you fail to fulfill the terms of your contractual obligations. '' So, I received notification that the account MAY be reported to the credit reporting agency 17 days AFTER it had already been reported to XXXX! I was not given the opportunity to rectify the debt on my own before they reported it to transunion which negatively affected my credit report. After speaking with XXXX XXXX on Monday, XX/XX/XXXX, and asking to have the negative account removed on the condition I set up a payment plan with them, she responded that it will stay on the report until it is paid in full. After requesting a breakdown of balance owed and fees, I am disgusted by the almost {$1000.00} extra added on to the original balance in " fees '' ... as I have a requested email with the breakdown from XXXX XXXX, stating the original balance : {$1500.00} ; 35 % collection fee : {$550.00} ; Late charge : {$380.00} ; XXXX 10 % : {$39.00} ( AS OF XX/XX/XXXX ). So, essentially, I have to pay them a disgusting amount in extra feed AFTER they already tarnished my credit report, without giving me the opportunity to rectify the debt beforehand.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CUSOMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. THEY HAVE VIOLATED MY RIGHTS. I LOOKED AT MY EQUIFAX CREDIT REPORT ON XX/XX/XXXX, AND NOTICED THAT THERE IS INCOMPLETE AND NOT ACCURATE INFORMATION ON MY EQUIFAX REORT. INFORMATION ON THIS REPORT MUST BE ACCURATE ACCORDING TO THE LAW 15USC 1681.
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX XXXX to produce and send me. All original contract documentations with my signed signature pertaining to alleged delinquency 30 day past due debt for XXXX of XXXX. That is being reported as a past due delinquency on my TransUnion credit profile. I sent a certified letter on XX/XX/XXXX requesting the original contract along with payment history documentations. It's been well over 30 plus days and XXXX XXXX XXXX  has yet to produce or mail the original contract documentations or the payment history pertaining to alleged 30 day past due delinquency debt hat is being reported on my TransUnion credit report. ( See Attached certified letter mail date and receipt )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48.00} ; XXXX XXXX Balance : {$97.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late/Open
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 reporting, credit repair services, or other personal consumer reports

I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with Equifax, XXXX  and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, Equifax and XXXX is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.
Product: Debt or credit management

I hired this company in XXXX and started paying them on XX/XX/XXXX to reach an agreement with my credit cards. They promised that they would give me an answer in 2 months. I called in XXXX and they always said that they were in negotiations with the bank. They continued to charge in advance and on XX/XX/XXXX I contacted the bank and they told me that they had not communicated with them. On XX/XX/XXXX, I requested the cancellation of the program because my cards were out of payment for more than 6 months and one fell into XXXX. I myself started talking to the bank about my situation. This company supposedly began negotiating with the banks but I had already sent them my cancellation request and I have proof. They told me that since they had already spoken with the banks they could not return the money and they stole {$3700.00} from me. I made my payments from XX/XX/XXXX to XX/XX/XXXX. I received an email from this company where they say that they made negotiations with the banks, and they were no longer authorized to do so because I had canceled them, and the email said that they can not return the money to me because they did the work and it is a lie. They damaged my credit, stole from me, and acted without my authorization. I myself negotiated with the banks as soon as I canceled them!!!
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX account got hacked. Two charges of {$52.00} and {$64.00} to my Bank of America credit card account, which were made on XX/XX/XXXX from XXXX. These charges were on items I never ordered or received. I reported the fraud as soon as I found out it had happened on XX/XX/XXXX from odd emails that I had received. The charges were removed from my Bank of America account on XX/XX/XXXX, then recharged for them on XX/XX/XXXX. I received 2 letters from Bank of America Fraud Dispute Department, declined to reverse these charges. The first letter of dated XXXX, XXXX, XXXX stated that they were unable to approve my fraud claim, stating that " The merchant provided documentation confirming you received the merchandise or service. '' I did not receive this merchandise or service. I then mailed a letter after calling the bank to show that the charges to my account were fraudulent, attaching many documents from XXXX to prove that the charges never showed up as a purchase on my account. I then received another letter dated, XXXX XXXX again declining my fraud claim, this time it stated that " While you personally didn't make the charges, we confirmed it was made by an authorized user on then account or someone who has permission to use the card. '' This claim, I don't even know how the came to this conclusion, the only authorized person is my husband and he has his own XXXX account and did not use mine, did not know what the charges were either. Also, after this letter I then confirmed it with XXXX and that the charges were fraudulent. I now have two letters from XXXX claiming that yes, these charges were unauthorized and fraudulent. I called Bank of America, XX/XX/XXXX, was transferred from person to person at least 6 times, over 3 hours on hold, to be told that this claim was not in the fraud department and that is was in a billing dispute department. I was hung up on, I was at one point talking to the right person, who then transferred me back the fraud department and hung up, never to be heard from again. The lady I was speaking with was just as confused as I was and gave me an address to contact the Claim Resolution Dept. I have a letter ready to go out to them tomorrow, claiming yet again that the charges are in error because my XXXX account was hacked and these charges where confirmed by XXXX to be unauthorized fraudulent charges. I have been banking with Bank of America now since XXXX, according to them, we at this time have hundreds of thousands of dollars invested with them. We have several accounts with them. I want to end all services because of this and their horrible customer service, but it would be such a hardship for us to do that, and I am not sure we can even move our investments at this point. At this point, the charges are still on my credit card. I know that it is not a lot of money, but the point is, these are fraudulent charges that I never authorized and I have been asking for their removal for over 6 months and Bank of America seems to be giving me nothing but problems.
Product: Credit card

Y'all just closed this same complaint. I made a payment to my Capital One credit card. The payment processed and went through but Capital One will not allow me to use my credit card. This is now the XXXX complaint on this issue as they have flagged my account again for fraud because I made a payment out of my business account. Now, they want all of my business bank information which I will not give up. They want my full banking account number for my business. Also, the allegedly Capital One representative I keep speaking to are obviously not in America or from this country. There is a heavy accent difference which is hard to understand. Mind you when I set up my account they had to verify my accounts before ever using them. I have made payments before from my business account and now they flag it again XXXX months in a row. Capital One must be using AI and other countries for the fraud alert which is very troubling to my accounts. Please help and stop the madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint frsutarted of the Credit Bureaus action of ignoring a consumer 's requests! This is just bothersome! It has been 5 months since my first dispute regarding the fraudulent items being reported by the Experian and XXXX Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX  XXXX Balance Owed : {$100.00} XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX  Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have sent this collection company several letters to validate this debt and they still have done so and it is making it very hard for me to get any credit lines opened. It is even making me to where I can not find any housing to live in because of this collection agency. I need them to validate this debt because even the original creditor has informed me that they can not validate this debt so how can this collection agency even validate this debt.
Product: Payday loan, title loan, or personal loan

I had a small personal loan with this institution for almost 1 year to make small investments as work as a checking account and personal loan of {$500.00}. 
Back in XX/XX/XXXX I called the company to find out why my investments were not moving at all plus I paid off my small loan early. 
I was told they would look into it and call me back after their investigation. In the mean time they suggested I reopen for another small loan to keep my credit report in good standing. I agreed and received loan. 
In watching my account I still noticed my investments were not moving. I called and was told investments were no longer available and I could not do anything with it until my new loan was paid off. I stated why was I not advised of this information. I would have never taken out the small loan again and just closed out my account and take what was in there.

Now today I get an alert from my 3 credit bureaus stating my score went down .45 points because moneylion claims my account is closed. I again called them and they said my accounts were open and I can dispute with credit bureaus myself. I told them absolutely NOT your company reported it now you fix it. I also requested a manager to come on the line to handle this issue along with the investment account issue. Well they put me on hold for a total of 1 Hr and 56 mins and never came back in the line. While being on hold I used my landline phone and called took 30 mins to get through to them. I explained about being on hold along with my issues. He said I will either get a call, or email from company trying to fix the credit report however I can not remove my investment until new loan is paid off. Do it just sits there. I told him I want a personal phone call not an email regarding my problem. I did not appreciate being put on hold for almost 2 hrs and still no one picked up the other line and that I would be reporting them to your offices. I am XXXX and dont appreciate being taken advantage of. I want my investment money back my credit report fixed.
Product: Credit reporting or other personal consumer reports

I adamantly challenge the inclusion of an alleged late payment on my credit report, as purported in your recent communication. Upon scrutinizing my credit dossier, I was appalled to stumble upon an entry insinuating a failure to remit timely funds to XXXX XXXX XXXX XXXX in XX/XX/2021. 

It is imperative to emphasize the egregious disparity in the account number across various iterations of my credit reports, a blatant transgression of the Fair Credit Reporting Act ( FCRA ). I categorically assert that I have rigorously adhered to the obligation of punctual payment across all financial accounts, including the one under contetion. There exists not a single instance of tardiness in settling dues on this account, and I possess an arsenal of indisputable evidence, including meticulously maintained bank statements and payment records, to fortify this assertion.