23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Cares act letter attached, Late payment was reported in 2020 during the pandemic and it needs to be changed.
Product: Debt collection

Ive gone through my credit report and found several accounts that appear to have been added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXXBalance : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX/XXXXXXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! XXXX XXXX is showing XXXX missed payments/late payments via XXXX ( XXXX XXXX, XXXX ) while XXXX XXXX is showing XXXX missed payments/late payments via EQUIFAX ( XXXX, XXXX )
Product: Credit card

This is a Macy 's store credit card by XXXX XXXX. I have been their customer for years. XXXX months ago, I lost my card and was unaware of it being stolen. I then tried to make purchase online at Macy 's and that's when I realized I don't have my card and it is not letting me to shop online either. I called Macy 's 3 times until the said I have to wait for a call coming from their VERIFICATION DEPARTMENT, to verify my identity and refused to give me any information! Nobody ever called me! Since then I have called multiple times and they blocked my card, accumulated balance, never cared about my stolen card and still don't have a card, am not able to find out what happened to my card, and why am I being discriminated against to this level after them knowing my card is lost/stolen!
Product: Credit reporting or other personal consumer reports

i did not authorize these inquiries, please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Conversation was started w/Mr. Cooper and homeowners at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone calls and complaints were made to get to the reason of why we should be in bankruptcy and there is no reason we should. Mr. Cooper confirm a pass due amount of {$6500.00}, while the HELOC is {$2900.00} and additional amount due to HOA. Homeowners are compilating a dismissal of XXXX. However, Mr. Cooper has said there was no room to have this loan modified. Payments can not be lowered and the terms aren't negotiable. Given the present state of emergency around the world with COVID-19 being a factor causing the deaths of significant love ones, we can not see how this investor refuse to modified this loan. We would like an explanation to cfpb as well as homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Product: Credit card

Capital One did not change my legal name which I requested earlear this year. I sent them all the information via certified mail. They did not recive it till XX/XX/2023! The information was never updated till I resubmitted it Thursday by fax then it was updated! But my credit score was NEVER UPDATED, but all 3 credit reporting agencies have it updated in their systems. My credit will not be reported now till XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to XXXX   Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
Thank you
Product: Credit card or prepaid card

I have been a Bank of America ( " BA '' ) customer for over 30 years. I have my primary checking account and credit card with them. On XX/XX/21 around XXXX XXXX I received a text message from BA regarding possible fraudulent charges on my BA Visa card. I logged onto my account and identified 4 suspicious charges that I know I did not make -- XXXX XXXX XXXX XXXX ( {$6.00} XXXX ), XXXX XXXX XXXX {$24.00} - XX/XX/21 ), XXXX XXXX XXXX XXXX  ( {$57.00} XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX - XX/XX/21 XXXX XXXX I filed a fraud claim. BA closed my credit card, issued a new one, and gave me a temporary credit for the charges. Yesterday, I received a letter from BA ( attached ) saying my fraud claims are denied because " these charges are consistent with past charges with these merchants. '' First, all the charges are in or near XXXX, PA. I live in XXXX, VA, and I was in XXXX, not in XXXX, on the dates of the charges. Moreover, I can document my presence in XXXX with an in-person BA credit card transaction ( Bake Shop {$34.00} ) made on XX/XX/XXXX, the same date that two of the fraudulent transactions ( XXXX XXXX XXXX XXXX  ) were made. ( See my attached bank statement ). I have tried multiple times to reach the BA 's representment department to reconsider these claims. They are difficult to reach. When I did reach someone today, they told me they could not reopen a fraud claim, but could review the charges as a billing dispute with the merchant. 

This is not a simple billing dispute. Someone used my credit card number without my authorization to make fraudulent charges with four merchants. I want Bank of American to reconsider and review these four fraud claims more carefully.
Product: Debt collection

Until recently I had XXXX XXXX XXXX, I pay my policy in full every six months and two months into my new policy I noticed a collections company reporting on my account. I spoke with XXXX and they assured me it was a clarical error. 
I challenged the error with all three credit bureau and all of the except for XXXX have corrected the issue.
Product: Credit reporting

This is the 3rd time that experian has complete refuse to erase wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )
Product: Debt collection

On XX/XX/2022, I was treated by a medical provider through XXXX XXXXXXXX XXXX. They submitted the claim to my insurance company on XX/XX/2022, and on XX/XX/2022, XXXX issued them payment for the service rendered resulting in a balance owed by me of {$53.00}. 

I never received an invoice detailing a balance bill in the mail from XXXX XXXX XXXX. The week of XX/XX/2022, I went to their portal and found that there was a balance owed. I wrote a check for the balance and mailed it to XXXX- which they subsequently cashed on XX/XX/2022. 

I received a letter from BCA Financial Services dated XX/XX/2022, stating that I had been referred to collections for an unpaid balance owed to XXXX XXXX XXXX. It is quite literally impossible that between XX/XX/2022, and XX/XX/2022, XXXX XXXX XXXX billed me for the balance owed on my account, I had 30 days to remit payment, did not do so, and subsequently could have been referred to collections. 

On XX/XX/2022, after six months of harassment from BCA Financial Services for debts not owed ( this is the third instance ), I submitted a complaint to this agency to dispute the debt. BCA Financial services told me they would verify the debt was owed and send me proof. 

They then sent me a letter dated XX/XX/2022, claiming the debt remained outstanding. They clearly did not do their research, as once again they are attempting to collect a debt that was never attempted to be collected from me, referred to collections inappropriately, and paid as evidenced in the attached. 

The harassment and illegal business practices must stop.
Product: Credit card

XX/XX/XXXX UCC 1- 308 I extended my credit with JPMorgan Chase & Co XXXX but I have received no benefit. The inquiry on my consumer report, and the denial of credit is on the record. Its also one of the many abusive acts, discrimination, and one of the many violations towards me as the consumer per ( FCRA ) 15 USC 1692 mentioned as well in Congressional Findings. Bringing notice to your SEC filings, we are complying with the Securities Exchange Act of 1934. Knowing that my signature was on that electronic agreement on the application gave it value as if I were to sign on paper as well as the Beneficiary according to ( ECPA ). Therefore, the application covered the finance charge for it was collateral.

I trust that all damages will be insured, and these violations will go under review for I've been denied by policy terms and not granted my Federal Protected Right as the Consumer.

( Federal Reserve Section 16 ( 2 ) Application For Notes )
Product: Debt collection

I disputed the collection accounts with the 3 credit bureaus, and they indicated that the debt was verified and validated. I mailed a second letter and requesting that they provide me the information that was collected and how the information was verified from the company. 

I have not received a response from the neither credit bureaus and its been over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account from XXXX XXXX on my report for over {$6000.00}, I have reported this to the police and have my police report but Experian will not accept it for some reason
Product: Debt collection

Account Name ONLINE INFORMATION SERVI Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/year> Status Collection account. {$1100.00} past due as of XX/XX/year>. 
Status Updated XX/XX/year> Balance {$1100.00} Balance Updated XX/XX/year> Recent Payment - Monthly Payment - Original Balance {$1100.00} Original Creditor XXXX XXXX XXXX XXXX
Product: Debt collection

ONEMAIN is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with ONEMAIN. I have never received any correspondence from ONEMAIN stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with ONEMAIN for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that ONEMAIN owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. ONEMAIN refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. ONEMAIN is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure ONEMAIN understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. ONEMAIN even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in ONEMAIN 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Conc

ern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo didn't notified me about a settlement check issue in XXXXXXXX XXXX I used to lived there between XXXX. The money was reported to Texas Controller Office  in XXXX. I need a copy of the check to collect. Per Wells Fargo settlement department provided me with in XXXX {$150.00} Refer XXXX talk to them XX/XX/XXXX. The rep stated the check will be reissue allow XXXX weeks. Is this the same reference number XXXX or a different one? 

If the same one please recalled information from XXXX. If, not would like a copy of the check to obtain my money.
Product: Mortgage

My parents have a reverse mortgage with Wells Fargo. My father has past and my mother is now in an assisted living facility. We have worked to return the home to Wells Fargo through the Deed and Lue process and now through foreclosure. It is my belief Wells Fargo has completed numerous acts to delay this process so they can continue to collect interest on the loan which would affect the Federally insured loan. This process has gone on for almost 2years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF ID THEFT AND SOMEONE OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME. I NEVER BENEFITED NOR RECEIVED ANY GOODS OR SERVICES. I HAVE ASKED THE CREDIT BUREAUS TO PLEASE REMOVE THESE FRAUDULENT ACCOUNTS AND PROVIDE VERIFICATION AND DOCUMENTS WITH WET INK SIGNATURES, HOWEVER TRANSUNION, XXXX, XXXX KEEPS REPORTING THIS FRAUDULENT INFORMATION ON MY PROFILE.
Product: Credit reporting or other personal consumer reports

15 usc 1681B reasonable procedures states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
That being said transunion, XXXX, and XXXX  are reporting accounts that I dont want on there that are not accurate! And 15 usc 1681a states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! So all late payments are forms of a transaction I need all these things I want private and that are not accurate weather the debit was sold to another agency which means it was never mines if I wasnt there when it was being sold! Or the accounts are reporting as closed but still on my consumer report! Not to mention all of GAAP principals are being broken! Also XXXX had a massive data breach with all my information I didnt give permission for any reporting agency to report!