23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company was XXXX XXXX but the other company brought it from them which I had already contacted beat but about this was a stolen card had to do a police report and all and have to dispute it. But this other company brought it and took me to court without me knowing it are anything about it til after it was sign in court
Product: Credit reporting

TRANSUNION has failed to include the latest XXXX XXXX XXXX BANK account in my file as well as delete inquiries made by XXXX on XXXX/XXXX/XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX as " hard '' inquiries when they were to have been done as " soft '' ones. I did NOT authorize them being done this way and wish them deleted ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.
Product: Debt collection

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And 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. These account XXXX Name XXXX XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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

I DISPUTED THE XXXX ACCT XXXX as inaccurate/incomplete : that there isno date closed, no last pymt date or amount, no chargeoff date or amt, no date of last activity. 
without those dates I can not proceed against the creditor for usurious charges beyonddefault rates from the date account was closed to further purchases and the subsequent chareoff.the charges are more than double the credit limit " as if it were a payday loan '' but it was just a standard credit card.the investigation results say these were all updated, yet they are blank.
Product: Mortgage

XX/XX/2015 XXXX XXXX XXXX sold my account to XXXXmr cooper mortgage while it was in lawsuits settlement, so all the information XXXX XXXX XXXXXXXX had transferred to Mr Cooper,  so XXXX XXXX XXXX settled with me and brought the loan back, asking mr cooper mortgage to delete from my credit file and that was 4 years ago and they still have it on my report and refused to take off
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a reporting on my credit for identity theft and XXXX  verified it without providing me with any information as to how and when I applied or incurred any damages with anyone to any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

XXXX {$9100.00} XXXX {$4300.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX 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 discovered that then same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

i am not working collecting from unemployment mass law states you can not collect from people if that is your only source of income.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.These late payments are in clear violation of the Fair Credit Reporting Act, as it inaccurately reflects my payment history. As per the law, I request that you demand the financial agencies involved to conduct a comprehensive review of their records to rectify this error promptly. It is imperative that they provide documented evidence supporting the validity of this late payment. Should they fail to provide such evidence, I demand that they remove or update the late payment entry on my credit report accordingly. Failure to comply with this request will leave me no choice but to pursue legal action to ensure the accuracy of my credit report and protect my rights as a consumer. Your immediate attention to this matter is imperative.
Product: Credit card or prepaid card

After CFPB resolved my complaint about XXXX, I applied for a credit card from Capital One. I was immediately notified at the end of the application that I was approved for {$30000.00} line. The card was sent to me immediately and I created user name and password. I was then told I had to call Capital One to verify the card, which I did. I was transfered to Fraud Dept and they said I had to answer questions to verify my identity. I answered several questions correctly and then the agent asked me when I had purchased property at my current address. I had this info readily available and said it was 2001. They said the answer was incorrect. I said I had previously owned a different property at the address, which I transferred, but I would have to look through my files to find the date of the purchase. They said this was not acceptable ; if I could n't answer immediately, my card would be cancelled. So in the end, I wasted several days and have no card.
Product: Credit card

This company is running the perfect scam. I signed up for a care credit card with the guarantee that I would not be charged interest if my balance was paid off within a certain period of time. I set up autopay to make sure that my payments would always come out and my balance would be paid off in time. Well the autopay took out inconsistent amounts, so while a huge chunk of my balance was paid off, it did not completely pay off my balance by the deadline. So without warning, a massive interest charge for the entire original balance was added. That, along with continuing interest charges, have brought my balance back up to where it started, like I haven't made any payments at all for the last 2 years, even though I haven't used the card again since the original time I used it. So something that I thought was handled, has turned into a massive ongoing problem. Definitely immoral and a scam.
Product: Credit reporting or other personal consumer reports

I have notified Experian Several times by U.S Mail and Email about inaccurate information being reported on my consumer report and it has been ignored every time. Experian continues to report this inaccurate info. They have also reported addresses that dont belong to me. On my consumer report they are reporting two XXXX  XXXX credit cards. One is paid as agreed and the other is reporting late payments but these are the same accounts. I have requested an investigation and the correspondence I receive from Experian was The Inccorrect account will not be removed from my credit report. This gives me great concern because they are willingly infringin On my federally protected rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been the victim of a data breach, resulting in fraudulent activity appearing on my credit report. I request that the accounts and inquiries listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : 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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account 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.
Product: Credit reporting or other personal consumer reports

sent a complaint on XX/XX/year> regarding late payment being inaccurately reported and to put the credit reporting agency on notice. the company did not update the late payment as required and are violating my fcra 623 & 611 rights.
Product: Checking or savings account

On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I may have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized. 

I received an unsatisfactory response from Wells Fargo as if my complaint was not comprehended. The response ( attached ) did not acknowledge the fact that a mistake has been made in regards to the transaction. Wells-Fargo stated that, " We reviewed the interaction had with our XXXX Banking XXXX XXXX XX/XX/2022, when you filed the claim, and we can confirm that you verified multiple times that the transaction was valid and authorized, but you didnt receive the merchandise purchased. '' Me saying that it was an authorized transaction was the mistake. Are you telling me that mistakes are not allowed? 

Like I said before, it was a mistake. This transaction was mistaken with a different transaction.
Product: Credit reporting or other personal consumer reports

I have been in constant communication with Capital One regarding a pressing matter affecting my credit history. This situation involves sensitive issues related to identity theft and possibly the misuse of my personal information. Throughout this process, I have diligently documented every interaction, including a comprehensive log of emails, phone calls, and letters exchanged with Capital One representatives. 

In our discussions, we addressed the negative remarks on my credit report, including a charge-off status that I believe is unjustified. There were agreements reached during these communications, in which Capital One committed to removing all negative remarks from my credit report, including the charge-off status associated with my account. Despite these assurances, I have observed no changes being made with any of the credit reporting bureaus to reflect these corrections. 

The lack of action from Capital One, despite our documented agreements, has left me frustrated and confused, especially given the serious implications this matter has on my creditworthiness and overall financial wellbeing. I seek immediate assistance in resolving this issue so that my credit report can accurately reflect my financial situation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1100.00}
Product: Credit card

Synchrony Financial provides credit services for the following business I secured credit from. 
XXXX XXXXXXXX XXXX XXXX XXXX - Synchrony Initiated close XXXX XXXXXXXX XXXX XXXX XXXX - Significantly reduced to {$300.00} ; XXXX without notice XXXX XXXX XXXX with a XXXX XXXX XXXX  In XXXX without warning they dropped my credit limit to XXXX resulting in an overcharge on my account and a reduced XXXX XXXX of XXXX points XXXX XXXX {$600.00} XXXX XXXX  XXXX initiated closing the account XXXX XXXX XXXX  new store credit account {$9000.00} My concern is regarding my credit score. The irresponsible actions they took regarding the lines of credit they provided initially has cost me XXXX credit points. 
Credit card calculations include Payment Record Public Financial Proceedings- ie : Cancelled debt, bankruptcy 's ect Credit usage ratio to awarded credit. 
Actions taken by Synchrony has created a negative impact on my credit rating as I paid off all credit cards with an active XXXX while maintaining a balance for the credit cards with introductory 0 % XXXX as I approach the expiration of the introductory rates.
Product: Bank account or service

On XX/XX/2016, a check for {$200.00} was withdrawn from my Wells Fargo checking account. I believe that check was not written or my husband and demand to be reimbursed for {$200.00} unless Wells can prove one of us wrote it. The number on the check is # XXXX, which was far out of sequence. Another check that cleared the same day was # XXXX. I called Wells Fargo customer service on Saturday, XX/XX/XXXX, to ask to get a copy of this check, because when I click on the image of the check online, it says the check was not available. The other check that cleared the same day was available online. I spent more than an hour on the phone with four different customer service reps. The first one passed me to the second one, without informing the second one of the nature of my call. The third one said I would need to pay {$25.00} per hour for Wells to research this, which is absurd because it is Wells Fargo 's fault the check is not available online. The fourth " executive '' rep said I should go to the branch and they could get a copy. Doubtful, I asked that person to call the branch to make sure they could do it before I wasted any more time. She called and the he branch said no they could not get it, so I am glad I saved myself the trip. The fourth agent said she could not help me because it was a Saturday, but promised to have someone call me on Monday, XX/XX/XXXX. No one called me on Monday, or any other day this week. So now I am at wits end. I do n't know what else to do. Maybe the CFPB can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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

On XX/XX/2020, I sent XXXX, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

VW Credit does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. XXXX failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the VW Credit trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. VW Credit 's actions were negligent and willful and wonton.
Product: Payday loan, title loan, personal loan, or advance loan

Loan ID XXXX I entered an agreement via Affirm for a purchase of XXXX XXXX that was to be paid {$360.00} monthly for six monthly installments plus interest.

I canceled the purchase via XXXX XXXX in which refunded the remaining balance minus their cancellation fee back to Affirm in which was {$1000.00} on XX/XX/year>. 

The original agreement advised the loan had to be satisfied by XX/XX/year>, or paid in fill by this date. 

Affirm has reported a delinquent payment on my credit report- in which is incorrect. The original term agreement has not expired, and I am not 30 days late. When XXXX XXXX issued the refund of {$1000.00} back to Affirm that counts as three monthly payment installments. I presently owe {$350.00} on this loan, and I acknowledge this balance.

In good faith I would like to resolve this matter and have the resolved, before I proceed with reviewing my options for litigation for negligence of incorrect reporting under the Fair Credit Reporting Act.
Product: Student loan

I have ask Fedloan Servicing on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response. In XX/XX/2019 after complaining about this via the CFPB website, Fedloan Servicing sent a response telling me how much I would owe in 10 years with Public Service Loan Forgiveness. I DO NOT QUALIFY FOR THE PROGRAM THUS THE REASON I ASKED FOR THE TOTAL OWED AT 25 YEARS! PLEASE PROVIDE TOTAL AMOUNT OWED GIVEN MY CURRENT PAYMENT AT THE END OF A TWENTY FIVE YEAR TERM.
Product: Mortgage

original loan XX/XX/XXXX with highlands mortgage loan sold to NewRez XX/XX/XXXX We are refinancing XX/XX/XXXX without pmi with another company We have Pmi on current loan with NewRez Payoff from lender is principal, plus per Diem interest, PLUS 3 months Pmi And yes there is an escrow account of over {$1800.00} Is this legal?