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

Since May of 2022, I have put in many requests for investigative consumer report due to inaccuracies noticed on all 3 of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative means a consumer report '' or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous of times, I have tried doing investigative reports.

The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish account without my written instructions.

According to : 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. 

Account Name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, XXXX Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an account that is not being reported accurately. There is a late payment recorded for an account where I have, in fact, made payments on time. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure that all information is reported accurately and completely. The account in question, from XXXX Bank, lists a late payment on XX/XX/year>, but I demand that this be corrected to reflect that the payment was made on time. I am attaching a copy of my report for your reference and request that this error be rectified immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX inaccurately reported late payments from XX/XX/XXXX & XX/XX/XXXX. 
Neither payment was late and inaccurately reported XXXX claimed to have sided in my favor stating I was correct the payments were never late. Only reported XX/XX/XXXX & XX/XX/XXXX as late. NONE OF THE MONTHS WERE LATE!!! XXXX continues to FALSE REPORt inaccurate information for TWO years Ive been disputing this.
Product: Credit card

I opened a XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX to use to charge {$2000.00} towards the purchase of a motorcycle. 

I paid the entire {$2000.00} in XX/XX/XXXX. The card was at that point at a XXXX balance. 

I have never used the card since. In fact, I don't even have a physical credit card. 

On XX/XX/XXXX the account was charged {$59.00} as an annual fee. I wasn't aware of this charge and became aware of it in XX/XX/XXXX. By that time, the company had added a late fee and interest. The total amount on the card was {$80.00}. I paid that balance off on XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXXXXXX XXXX XXXX instructing them to close my account. I received a certified return receipt from them. 

On XX/XX/XXXX XXXX XXXX Credit Card started to text me about a balance due, but my phone reported it as spam. I logged into the XXXX XXXXXXXX XXXX XXXX account and found that they company had once again charged the account an annual fee of {$59.00} plus a late fee and interest. The total amount they say is due is now {$80.00}. 

However, I requested account to be closed in XX/XX/XXXX, and therefore, I should not be charged a fee. The company clearly did not follow my instructions to close the account. 

I called them today ( XX/XX/XXXX ) to ask them about this. They told me I could only close the account by calling them. This seems ridiculous. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed, a dispute with Experian about XXXX reporting inaccuracy monthly amount, that was owed and Experian removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because Experian removed it from my report.
Product: Credit card

PENFED YOU ARE HEREBY PLACED ON NOTICE OF A REQUEST FOR ACCOUNTING INFORMATION UNDER G.A.A.P. WHICH ARE RECORDS DEMANDED BY FEDERAL LAW TO BE MAINTAINED AND UNDER XXXX. XXXX UNDER UNIFORM COMMERCIAL CODE 9-210. 

ALL THAT NEEDS TO BE SAID IS IN THE NOTICE I AM FILING THIS COMPLAINT TO MAKE THE CFPB AWARE OF MY NOTICE TO HOLD YOU ACCOUNTABLE THROUGH THE CFPB SO YOU SO CHOOSE TO IGNORE IT. 


I HEREBY EXERCISE MY RIGHT TO RESCISSION AND RESCIND ANY AND ALL POWER OF ATTORNEY AND SECURITY INTEREST YOU HAVE ASSUMED ON MY BEHALF BY UNKNOWING CONSENT DUE TO YOUR T.I.L.A VIOLATIONS IN PROPERLY INFORMING ME OF THE TRUE NATURE AND USE OF CREDIT. 

NOTICE THE PHYSICAL COPY OF THE DOCUMENT PROVIDED HERE WHICH WAS SENT CERTIFIED MAIL IS IN FACT NOTIRIZED AND IS NOW A LAWFUL DOCUMENT WHICH WILL BE USED AS IN EXHIBIT INCASE MATTERS SHOULD ESCALATE. 

YOU HAVE REFUSED TENDER OF PAYMENT ON MY ACCOUNT AS PER ELECTRONIC FUNDS TRANSFER ACT, BILLS OF EXCHANGE ACT AND UNIFORM COMMERCIAL CODE. PENFED HAS ALSO DISCRIMINATED AGAINST ME BY DENYING ME A GRANTED RIGHT TO CREDIT WHICH IS AN ALIENABLE RIGHT AND A VIOLATION UNDER EQUAL CREDIT OPPORTUNITY ACT BY SHUTTING DOEN MY CREDIT ACCOUNT. I DEMAND YOU PROVIDE ALL INFORMATION REQUESTED IN MY NOTICE WITHIN THE ALLOTTED TIME FRAME. FAILURE TO DO SO WILL RESULT IN WILLFULL NEGLECT AND IN PRIMA FACIE EVIDENCE OF COLLECTION BY FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX has misreported my mortgage with them as CLOSED to Equifax ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through Equifax, a XXXX complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to Equifax as PAID ON TIME, Unpaid Principal of {$7400.00}.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Wells Fargo Card Services for their failure to properly address and resolve ongoing disputes regarding inaccurate reporting on my credit file. Despite my efforts to settle this issue amicably through a pre-arbitration settlement offer, Wells Fargo has failed to provide a satisfactory response or resolution. Their continued misreporting of account information violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a pre-arbitration demand letter to Wells Fargo Card Services, outlining the inaccuracies and incomplete reporting on my credit file, specifically the reporting of late payments, charge-offs, and missing account information. In my letter, I provided specific examples of the discrepancies, including missing creditor classifications, incorrect payment statuses, and conflicting balance updates. I offered Wells Fargo the opportunity to settle this dispute for {$75000.00} in order to avoid costly arbitration proceedings and potential legal action. 

On XX/XX/XXXX, I received a response from Wells Fargo Card Services, which failed to adequately address my concerns. The response ignored many of the specific inaccuracies I outlined in my pre-arbitration demand and did not offer any settlement or corrective action. The continued misreporting of my account information has caused significant damage to my creditworthiness, including credit denials and emotional distress. 

Specific Violations of the Fair Credit Reporting Act ( FCRA ) : - Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Accuracy in Reporting : Wells Fargo has failed to ensure that the information provided to the credit bureaus is accurate and complete, including missing creditor classifications, missing original creditor names, and incorrect payment history.

- Violation of 15 U.S.C. 1681s-2 ( a ) Failure to Investigate and Correct Inaccurate Reporting : Despite multiple disputes, Wells Fargo has not conducted a proper investigation into the inaccuracies and has failed to correct the reported information, including missing or inaccurate payment history and account status updates.

- Violation of 15 U.S.C. 1681s-2 ( b ) Failure to Report Correct Information After Notice of Dispute : After receiving notice of the disputes, Wells Fargo has not properly updated or corrected the account information, leading to continued inaccuracies being reported to the credit bureaus.

- Violation of 15 U.S.C. 1681c ( a ) ( 5 ) Incomplete Reporting of Account Information : Wells Fargo has failed to report complete account information, such as missing the date of last activity, high credit, and balance details, as well as conflicting charge-off dates and late payment statuses.
Product: Debt collection

XXXX XXXX XXXX hired Hayt and Hayt & Landau to collect a debt for web bank I have never heard of them
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX XXXX Balance-
Product: Credit card or prepaid card

I disputed a automotive repair charge, then the automotive repair facility said they would fix my car, so I cancelled the credit card dispute. 
Then the automotive repair facility refused to fix the car so I tried to re open the dispute with my credit card and they said they do not re open disputes,?
Product: Credit reporting or other personal consumer reports

XXXX XXXX CFPB ATTN MRS. MS I noticed Credit Bureau Experian Maintains the same score on me For over 5 months of XXXX should be some upward movement by now. 
I have no outstanding debts. No history of late payments OR Non payments ..I have 1 credit card..

I make purchases and pay balance off quickly.I have XXXX plus years credit history that is outstanding .there should be a increase in my score by now I feel a history of discrimination involved in scoring.has been shown Of Credit Bureaus over the years An I feel it's affecting me.
Product: Bank account or service

XXXX XXXX XXXX opened an online savings account with ING in XXXX XXXX. This account was immediately linked to a checking account at XXXX XXXX XXXX. The ING account was taken over by Capital One when it purchased ING. On XXXX XXXX XXXX, we attempted to make an online transfer of {$700000.00} from the linked XXXX XXXX XXXX account into the Capital One account. On the afternoon of XXXX XXXX we received an email from Capital One that the funds were being held until we call them. They stated that the hold had something to do with a credit check they performed, which we did not authorize. We called the number in the email and were directed to a voicemail, and left a message. Later that day we also responded to the email requesting that this situation be resolved. Two days later, XXXX XXXX, I went with my controller, XXXX XXXX, to a local branch of Capital One and spent 45 minutes attempting to have them help us resolve the situation. An officer in the bank made a phone call and was put on hold, we said we will go back to the office while they try again and will let us know what happens. Upon returning to the office, we received a phone call from Capital One, I verified my social security number and date of birth as requested. The representative ( XXXX ID # XXXX ) then told me that he needed to get another department on the line. After waiting for XXXX minutes on hold. I told the representative I could not wait any longer, and to please call me back when the process was complete. He responded that if we were to hang up, the process would start over again. Not only are they holding my money hostage, they also insist on holing my time hostage in order to get this issue resolved. XXXX also indicated that the transfer was flagged randomly, and not because of the any credit check as stated in the email. I had no choice but to hang up so that I can continue to run my business, and not be held hostage by a convoluted and inefficient system present at Capital One. There was no reason for the transfer to be held up other than random chance, and there is no reason why I need to stay on hold after confirming my information while the problem gets sorted out, and my money released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1. XXXX XXXX XXXX ; re : Capital One card calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe Cap One some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX years old, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.
Product: Debt collection

After a thorough examination of my current credit report, I've noticed several fraudulent accounts that were apparently added without my knowledge.
Product: Vehicle loan or lease

In XXXX of 2020 I began hours of letter writing and phone calls to Hyundai Motor Finance over a credit dispute. I had just turned in a vehicle that I leased with them after never missing a payment or making XXXX late. I turned in the vehicle several days ahead of the lease-end date. XXXX reported a delinquency in error and would not correct the issue. My credit score plummeted by XXXX points and I had to eventually hire an XXXX to resolve the issue, which took several months. I have just learned about the CFPB order for Hyundai Capital America to pay more than {$19.00} XXXX in fines and restitution for inaccurate and damaging credit reporting. I would like to be added to the list of affected consumers. Please let me know how I go about this.Thank you.
Product: Mortgage

On XXXX XXXX XXXX my mortgage was sold to Nationstar Mortgage. On XXXX XXXX XXXX I sent a letter of financial hardship to Nationstar describing the fraudulent circumstances that were induced upon me at the signing of my closing documents. 

On XXXX XXXX XXXX XXXX XXXX XXXX of Nationstar replied to my complaint to both Nationstar and the CFPB by stating simply, " We have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Please be advised Nationstar can not attest to the prior servicer 's actions, including their origination, underwriting, or lending processes. XXXX XXXX then threatened me with the full impact of the sales contract stating, " we will continue to service the loans in accordance with the valid, binding documents that you signed at the time of origination. '' I replied to both XXXX XXXX XXXX XXXX with citations and an Error Resolution Notice under 12 C.F.R. 1024.35. I then supplied additional documentation from the XXXX XXXX XXXX XXXX XXXX in addition to two separate professional opinions of the site description on the property for a re-assessment of my complaint. 

XXXX XXXX of Nationstar contacted me in XXXX of XXXX to say that my case had been escalated and they would be conducting their own internal investigation into the fraud allegations. XXXX XXXX contacted me shortly afterwards and told me the internal investigation confirmed my fraud allegations after escalations reviewed my case in detail and they would then approach XXXX XXXX with their findings. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me with the decision of Nationstar to fully enforce my mortgage contract despite the open records documentation of the fraud that has been confirmed and supported when initiating and servicing my residential mortgage contract, XXXX XXXX replied to my complaint saying there is nothing he can do for me. 

Specifically XXXX XXXX replied saying, " They realize an error was made '' however as they are not the investor they can not help me further and will enforce any and all contractual obligations that have been imposed upon me by the now defunct XXXX XXXX XXXX that was put out of business by the FBI for fraud in XXXX. 

I am XXXX and my XXXX was established in XXXX. As we are associated with the XXXX my business has survived however as of the XX/XX/XXXX and more recently for all of XXXX I am no longer able to receive a paycheck and my savings has depleted to the point of desperation. 

I am seeking a Loan Reduction to equate to the value of equity that was and still is being grafted from me and my family for the remaining balance of this loan. XXXX excessive taxas, closing costs, etc.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. This is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 
15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00}. Ive paid many application fees for mortgage and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. 
As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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: Debt collection

I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old . I was incarcerated when the debt went into default. I have not been notified of the debt from  Palisades   XXXX  or  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , located in  XXXX , MD, until this time. The {$710.00} debt has accrued other interest and fees over the years, totaling over {$1500.00}.
Product: Credit reporting or other personal consumer reports

In XXXX  I asked XXXX and Experian to investigate and verify my public record listed on my credit report. They responded saying this information is accurate and still remains on my credit. I requested an investigation report and have not received this, now I would this information removed from my XXXX and Experian report it is hindering my future financial stability.