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

See a copy of the letter : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX Lending Club XXXX XXXX XXXX, CEO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX Dear XXXX XXXX, I am writing you in reference to an XXXX that is reported on my Credit Report for XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX number and spoke to a representative and he informed me he was not able to take over the telephone payments ; however, he stated that the XXXX office was closed due to inclement weather and would not open until XX/XX/XXXX. My payment, I stated was due on XX/XX/XXXX and when I made the payment of {$780.00} he stated that there was a late charge of {$40.00} that would be deducted before the payment was applied. 

XXXX XXXX, it appears your company is applying some of the very liberal policies of the City of XXXX XXXX, CA that are outside of the lending laws in the United States. Examples, it appears my account is being reported late because of a portion of the payment went to late fees. Therefore, if youre accounting system had not deducted a portion of my payment for late fees, my account would not have been reported as late. Additionally, if your office had been opened on XX/XX/XXXX, I would have been able to also make my payment by telephone in a timely manner before XX/XX/XXXX which then made my payment be classified as being late because of your XXXX office being closed which was not fault of my own. Moreover, I think it is ridiculous when a natural disaster takes place and you close your office because of that and customers like myself and may others were reported to the Credit Bureau as being late which was not fault of our own. 

if my account and credit report can not be update, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) stating that I was not able to make the payment due to your office being closed on XX/XX/XXXX due to inclement weather and when the payment was made, you deducted {$40.00} from the actual payment identifying it as a late fee. I would like to have a response from your office within 30 days or less stating that you have corrected your error and updated my credit report to reflect paid as agreed. 

Thank you in advance for your assistance for your addressing this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( CMI ) of the information contained in my consumer report that your agency has furnished. In the credit world, CMI refers to the standard that consumer reporting agencies must upholdensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX  / XXXX Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as XXXX XXXX XXXX XXXX XXXX ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed Equifax in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act State Farm Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I t also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 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: Checking or savings account

Checked account on Thursday, XX/XX/XXXX at XXXX, had a positive balance. At XXXX XXXX on the XX/XX/XXXX, received confirmation via email, ( have copy ) that deposit of {$780.00} was made to account. At XXXX XXXX on the XX/XX/XXXX, was notified that my account was overdrawn. ( have copy ) When I contacted B of A, was told that when an account is overdrawn they do not notify you until the next day. I was not told of this before. This also, is not the first time that B of A has done this, they continually change the rules to charge overdraft fees, this is another example. In the past, when I was notified of an overdraft, I was allowed to put cash into the account to cover these overages as long as I did so by XXXX of that day. I see that now they are not giving me that opportunity. I believe they have changed the rules to purposely charge these fees.
Product: Credit reporting or other personal consumer reports

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. YOU ARE REPORTING LATE PAYMENTS WHEN I WAS NEVER LATE!!! 

1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate. 

The Address : XXXX XXXX XXXX XXXX XXXX MA XXXX is inaccurate/fraudulent.
Product: Checking or savings account

- On XX/XX/2022, there was a {$2000.00} credit card payment to a XXXX XXXX account using my Bank of America checking account. 
- On XX/XX/2022, I began a claim with both XXXX XXXX and Bank of America. Both companies failed to give me claim numbers and gave me misinformation, saying that someone else had made a bank account at XXXX XXXX under my name. 
- On XX/XX/2022, Bank of America said that they would help me write a letter over the phone to file a fraud claim. 
- On XX/XX/2022, I called XXXX XXXX to receive an update about my situation. They gave me a new claim number and told me to contact the Credit Card Department, who refused to help me because I did not have an account with XXXX XXXX myself. 
- On XX/XX/2022, I called Bank of America to get an update on my fraud claim, only to have the representative tell me that my claim was filed under " billing '' instead. I was on hold for the fraud department for over an hour. 
- On XX/XX/2022, I filed a CFPB claim, feeling that my case was extremely mismanaged by both XXXX XXXX and Bank of America, both of whom misfiled my claims and failed to communicate between their departments about my specific case. I'm deeply disappointed by how poorly the representatives communicated between each other, especially with how XXXX XXXX refused to help me because I did not own an account there myself. 

- XXXX XXXX asked me the account number of the scammer 's account multiple times. I told them the last four digits of the account under the receipt for the {$2000.00} payment on my checking account, because I had no further information on the scammer 's account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time the items below displayed an aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties XXXX, Trans Union, XXXX that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on multiple occasions regarding an account with XXXX XXXX XXXX that belongs to my ex-husband that has been reporting on my account. This account is reporting that I have an outstanding balance of {$13000.00}. which is completely false. Please see the attached bill of sale below that reflects the balance at the time this account was sold. The account was sold to a new company and the new creditor took the matter to court. The matter was voluntarily dismissed and I am not liable for this account. I have provided documentation to Experian and have requested that they remove the account from my credit report. Despite multiple disputes and submitting evidence to prove that the information on my credit report is not only incorrect but that I am not liable for the debt. Experian refuses to remove the incorrect information from my credit file which is causing financial and emotional hardship as this negative account has caused my credit score to decrease drastically. I am making one final attempt to resolve this issue on my credit file. Please see the attached documents that show the correct balance as well as the bill of sale showing that XXXX XXXX  does not own or service the account. Please also see the final court judgment stating that I was released from the debt. Per the Fair Credit Reporting Act ( FCRA ) " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX again using the same dispute and they modified it and changed it and I also disputed it on XX/XX/XXXX so the dispute investigation process shouldn't even be finished and on there is says remains the same
Product: Credit card or prepaid card

I filed a dispute through Discover Card about the purchase of a damaged motorcycle battery leaking acid. I purchased through XXXX third party merchant. They wanted the battery returned but federal law prohibits shipping of such dangerous items. Discover sided with XXXX in the dispute. Under the Fair Credit Bill Act this item should be refunded as item damaged. I have no control over shipping companies that refuse to ship dangerous items. 
Case Number : XXXX Merchant Name : XXXX XXXX XXXX  Amount : {$56.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of last year, XXXX XXXX changed credit card issuers. They changed to a company by the name of Elan Financial Services. When this change occurred I was instructed to sign up with Elan and also include my monthly auto pay feature which automatically pays my bill at the end of each month. I went online and followed the instructions. A month and half later I received a late notice that I had not paid my bill. At the same time, I received a credit report showing that my credit score had dropped from XXXX to XXXX and it was because of this supposed late payment. I called the credit card company and explained that I signed up for automatic pay, but that there website must have caused the error because I had no doubt that I signed up for auto pay. They agreed to reverse the interest and penalty charges, but they also reported to the credit agency. I called Fidelity and they said there was nothing they could do. To continue this saga, I went to XXXX in XX/XX/XXXX for 4 days. While there I tried to log onto my Fidelity account. A noticed showed on the screen that by govt regulation, I could not access my Fidelity account while in XXXX. After I returned to the XXXX, I found out that all of my accounts were frozen by Fidelity. And of course my credit card bills could not be paid on time because all of my funds were frozen. I called Fidelity and they immediately unlocked my account, but once again this hurt my credit rating and caused a lot of problems. I do n't know if freezing my account was an action taken independently by Fidelity or was mandated by the U.S govt., but I want Fidelity to intervene with the credit reporting agencies and allow me to get the good credit rating I used to have before the credit card company and Fidelity destroyed it.
Product: Bank account or service

I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Bank of America, who without questions accepted it for the written face value.
Product: Checking or savings account

I noticed recently on XX/XX/XXXX, that a charge from XXXX for XXXX was taken from my account for {$10.00}. Now I pay XXXX and have been paying XXXX directly for my subscription for years and that amount is usually $ XXXX {$20.00} so I thought the other amount was interesting. I looked up my XXXX account and verified I have no active subscriptions so therefore no funds should be pulling for any amount and for no services. I called XXXX and they could not find any subscriptions for me either and told me to contact XXXX. I spoke with XXXX, and they could only see my valid XXXX subscription for {$18.00} dollars and told me that it was likely someone had an account not under my name but had been using my account information. XXXX advised me to contact Wells Fargo to dispute. I contacted Wells Fargo as I had then found out that there have been 4 total transactions for {$10.00} coming out since XX/XX/XXXX that I did not authorize. I am the only adult in my house, my card was still in my possession, and I had not lost my phone that had digital wallet set up. Therefore, these charges should be returned, however, Wells Fargo declined this request, without notification or any explanation as to why my claim was denied. This has all occurred prior to reaching 120 days and I realize they don't owe me provisional credit ; however, this is fraud, and I believe I should at least get a couple of these charges credited back and at the very least after being a customer for 25 years I deserve the respect of having a valid investigation and response. What terrible customer service, no wonder WF is failing. I will work toward removing all accounts or affiliations with WF if they are unwilling to help out a long-term customer.
Product: Debt collection

XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed the inaccuracy of a collections account XXXX & XXXX. This account is reporting as open, with Trans union, and XXXX. This is a violation to report a charged off account as open. This needs to be removed immediately.
Product: Credit card or prepaid card

i keep getting phone calls about my current debt i have none. I called them back when i missed and they claim a telemarketer hijacked their outbound line and are using it. they know nothing about calling me