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

I sent a letter last XX/XX/XXXX, removing these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 or other personal consumer reports

I've contacted this company via email and phone I have yet to receive a response to anyone. This XXXX XXXX doesn't belong to me. I have had XXXX XXXX XXXX for 5 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires I am stating I had nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

I received a letter from united collections Bureau incorporated XXXX XXXX XXXX. XXXX OH XXXX. Telephone number XXXX. 
They list the debt of {$7600.00}. This is with XXXX XXXX XXXX XXXX  account ending XXXX. I have no knowledge of this debt and XXXX has no knowledge of this. This notice is dated XX/XX/2023.
Product: Checking or savings account

Firstly I am newly XXXX due to a health condition and still unemployed due to COVID-19 ( but am employed soon again thank XXXX! ) and have never gotten any help for financial hardship yet due to this reason since opening the account I have at Fifth Third Bank. My unemployment lapsed for 3 weeks from Early XXXX XXXX XX/XX/2021 during this time I told them so they wouldnt let charges go through and what not AND contacted the other business and bills etc to stop bill pay well kinda like XXXX they said that it automatically will attempt three times and there is nothing they could do about it so after three weeks and {$800.00} plus fees later I got my {$1900.00} in unemployment but the bank now says they wont give me any of that back, its just it was out of my control and I really needed that to pay these other bills and how Im behind rent to because of this AND hand about another {$350.00} - {$550.00} in more charges and lost pretty much my next whole unemployment deposits over a bunch of XXXX I cant crawl out of this hole and they wont help a bit this is my last option : / Ive gone into multiple branches etc. Fifth Third Bank says they will do whatever they can to help those affected by pandemic and financial hardship sadly that I guess isnt true and never was : /
Product: Debt collection

The first time I heard of this company is when they show on my credit report on XX/XX/2020. I never received any correspondence from them prior to that date. There is no address or phone number to contact them.
Product: Mortgage

wells fargo raised my payment 3 mo in a row.I contacted att general so this stopped..then they started charging a 45 % late fee which they stopped and deny..It has been 8 months since I made a payment.I have asked about 8 people in the executive office to forclose.they seem to refuse..the house has been vacant since XX/XX/2018.last week, I sent in a letter to surrender the property..I got a packet with a lot of lies..they are going to keep charging me payments and late fees.this could go on forever.I am a XXXX yr old, with lots of health problems.I don't even make XXXX per month, and can not afford this propery since my son had to move because wf kept raising his payments the inspector went out and verified that the property is vacant and said the doors would be boarded up and the house winterized..It needs a tarp on back flat roof as it is leaking badly..wf is also not sending the inspector back out..all they want is to keep charging payments and late fees ... I need your help badly. thanks
Product: Credit reporting or other personal consumer reports

Submitted a dispute with the Credit reporting agencies Transunion XXXX XXXX concerning an account listed on my credit profile from XXXX XXXX XXXX asking for a removal of a false and misleading account. This company is falsely and illegally reporting information the the CRA ' S listed above. I have no knowledge of any accounts with this company nor have i ever been under any agreement With the Company Known as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only Equifax and XXXX. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while Equifax and XXXX are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on Equifax as inaccurate.
Product: Credit reporting

I have contacted Experian, I have also provided them with a letter from the furnisher of the information and yet Experian fails to remove the erroneous information that is outside the reporting period as it has passed 7 years and the statue of limitations for this debt have also passed. Experian continue to report XXXX/ XXXX on my credit. While the lender who purchased it from the original creditor states there is a zero balance Experian continues to report the original creditor with comments purchased by another lender thus not verifying that the debt is not owed. Such information should have been deleted when I asked months ago. Experian is in violation of FDCPA and the FCRA.
Product: Checking or savings account

There were unauthorized charges on my account and won't be addressed until after an investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent money to someone through XXXX for an alleged XXXX XXXX XXXX. A day later I messaged the seller to ask when it'll arrive to be blocked and scammed. I've already messaged my bank, Wells Fargo, and XXXX to be told I can't / won't be helped.
Product: Mortgage

XXXX XXXX XXXX Shellpoint Mortgage Services continues to falsely report delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have XXXX mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. This is my XXXX complaint through the CFPB and they say they are going to fix the issue but never do. Just received foreclosure documents in the mail again today. The mortgage servicer can not provide an acurate payoff statement. Statements provided to date are filled with incorrect charges and fees from failure to pay but payments are received.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX needs to delete and remove this fraudulent account from my Equifax credit report immediately.
Product: Debt collection

I have just found on my credit report that I have a collections attempt from Company DIVERSIFIED CONSULTANT Payment Status Collections Status Date  XXXX / XXXX / XXXX  Balance {$830.00} Balance Date N/A Address  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  As you will see in my previous complaints datin g back 2 1/2  years :  XXXX   XXXX   XXXX   XXXX   XXXX  contacted me in  XXXX ,  XXXX  about  a   XXXX   XXXX   XXXX  bill for {$830.00}. I paid them on their web site on  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX  FL  XXXX  with a card ending in  XXXX  for {$820.00}.     Clearly  XXXX   XXXX  DID NOT inform  XXXX   XXXX   XXXX  that the bill was paid as an entirely new credit reporting agency has taken up this collections notice.     I can not express enough my distain for  XXXX   XXXX  and their totally corrupt and on-going business practices.
Product: Credit reporting or other personal consumer reports

Equifax randomly reported a secured credit card as included in XXXX  when the account wasn't open at this time. Equifax does not allow the option to dispute it. Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Date of Last Payment : Date of Last Activity : XX/XX/XXXX Date of XXXX XXXX  : Balance Amount : Date Major XXXX  XXXX Reported : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Zelle Will not close account even though I closed bank account at XXXX
Product: Credit reporting or other personal consumer reports

I have filed the correct fraud paperwork and sent to the credit reporting agencies. They are not attaching it to my disputes and processing the correct dispute process according to the FCRA. I also have not gotten copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I have contacted the collection company Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX at XXXX XXXX XXXX to let them know that they are incorrectly putting a collection in my credit report. They said that this bill is for a property in Texas. They also asked me to provide a bill and to file a police report so they can remove the collection. It is impossible for me to obtain a bill for a utility in a property in Texas because I have never lived in Texas, I dont even know the address that the utility was for. There is no way for me to stand up for myself at this time. Right now this is hurting my credit and I am unable to refinance because of this collection. I have contacted them many times to see what they can do but I always get the run around and I have attempted everything I could without having to file a complaint with you guys ( the CFPB ).
Product: Credit card or prepaid card

2 weeks ago I applied for a XXXX XXXX XXXX XXXX XXXX Card and was approved for it. The advertised rates were 13.99 % to 23.99 % based on credit worthiness. Given that my most recent fico score at the time of application was over XXXX ( around XXXX or so according to the data obtained by PNC from XXXX and sent to me in a letter to my home address ), my debt to income ratio is about 26 %, my credit card payment history was rated excellent, ( according to the most recent free credit report that I received ) I expected that the purchase APR on the card would be a lot closer to 13.99 %, say 15.99 %. Instead, the confirmation page of approval indicated that I would be granted an APR of 17.99 %, which I thought was pretty high. Upon activating the credit card however and finding it in my online banking portal today X/XX/17, I  saw that the purchase APR is actually 19.99 %. I called PNC 's customer 's service number at XXXX and its underwriting team at XXXX a few times to get quantifiable metrics about how this APR was arrived at and no one gave me an adequate response. I was bounced back from customer service to sales back to underwriting team who told me they had nothing to do with the APRs, which I thought was surprising. I do n't want to cry unfair credit card practices, but there 's something misleading in the advertised rates if a customer with my profile can not get close to 13.99 %, but instead I 'm offered a rate far above the median of this range.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report shows the following : Credit Alert : New Inquiry Reported by : XXXX XXXX XXXX XXXX XXXX Reported on : XX/XX/2022. 

I've done no personal business that would require a credit inquiry reported on that date. When I made my first call to TransUnion, I provided the following PII via their automated phone system : 1. billing zip 2. social security number 3. date of birth 4. numeric street address I also had to answer, via the phone system, at least 3 screening questions. When the agent began my call, she referred to me as " XXXX. '' She explained that was the name the system generated after I provided four pieces of PII and answered three security questions. When I explained that I am not XXXX, she wanted me to provide my PII again. 
I am very concerned that someone named XXXX has stolen my PII and used it to apply for credit. Again, I made no credit applications that would have required a credit inquiry reported on XX/XX/2022 and the fact that TransUnion referred to me as XXXX after I provided this PII is scary.
Product: Debt collection

Receiving calls repeatedly from this company in regards to some debt I have no knowledge about. Have not received any documents for proof or verification of the debt. Getting harassed by phone calls on a daily basis pretty much. Theyve also added this debt onto my credit report!
Product: Credit reporting or other personal consumer reports

After looking over my credit report and looking into the consumer laws Ive found plenty of information that wasnt allowed and wasnt correct on my consumer report I seen that XXXX XXXX XXXX  in the amount of {$490.00} date opened XX/XX/2022 account name XXXX XXXX XXXX XXXX XXXX looking over the laws set in place congress are as said In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A. Section XXXX : it also states a consumer agency can not furnish an account without my written instructions. 

U.S.C 1681c ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( a ) ( XXXX  ) 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 

15 U.S.C 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by XXXX to protect my rights. 

15 U.S.C 1681 ( XXXX ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. 

The law states also XXXX I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and XXXX has set certain laws in place I would like to send over a XXXX XXXX also the form XXXX and XXXX oid ab also the XXXX and the XXXX as they are now banned from calling me or faxing me I am also sending them over a true bill under title XXXX and they have now violated title XXXX as if they are above XXXX and under title XXXX you violate me any further I can sue you as I dont not owe third party debt XXXX anything XXXX law XXXX edition title XXXX as what I thought was loans where actually deposits XXXX XXXX c ( c ) XXXX ( a ) and ( b ) XXXX ( XXXX ) Please XXXX also states false representation.im also sending a tire bill immediately if this isnt resolved asap.
Product: Debt collection

This is no longer legally my debt. Also this was a debt from 2016 JUST reported which they have 180 days. It shows 2 months which is a lie. This was bound over to my ex in the court documents that this was stolen and NO LONGER MY DEBT. I am not to be held responsible as court signed documents state.
Product: Credit card or prepaid card

My payment was due on XX/XX/XXXX I made a payment at XXXX and they are telling me that I need to Make the payment before XXXX But on the Credit Card agreement is there is no mention of this that have stated that it is printed on the statement. 

They refused to remove the Late Charge and I asked them Lane Bryant ( Comenity Bank ) to close the account.
Product: Vehicle loan or lease

I purchased my XXXX XXXX from XXXX and it is being financed by Westlake Services , LLC. dba as Westlake Financial Services on XX/XX/2018. In the last two months this company has not posted the payments to my account in a timely manner. They are processing the {$450.00} the day after it is due date, then stating that the loan payment was received late. I send the money by certified mail every month and can track the date and time when the representative signed it which was on XX/XX/XXXX at XXXX XXXX. 

Apparently, this billing practice is not a concern to them. I honestly feel this is an example of predatory lending at its best. When I send an email or called and spoke to the people in the Billing Department, nothing is ever done and the problem seems to be progressively getting worst. 

Additionally, the payoff amounts do not coincide, as the one on the Billing Statement is much higher than the one listed on their website. Evidently, this is another red flag and should be investigated as well.
Product: Checking or savings account

Chase identify 1 of 3 fraudulent translations, blocked and closed my card. There are still 2 other transactions from the exact same merchant. Chase is saying I have to wait 1 to 3 business days ( so up to 5 days since it is Thursday ) until they can address and refund the money. I am unemployed, that {$50.00} is food and gas for a week for me. 

They caught 1 fraudulent transaction from the same merchant, I don't understand how the other were also not blocked, from the same merchant.
Product: Credit card

I applied for a XXXXXXXX XXXX XXXXXXXX connect on XX/XX/XXXX based on seeing an online signon bonus offer of XXXX bonus points for spending {$2000.00} within 3 months. The application was approved. However on my " account dashboard '' I see that the promotion offered is XXXX points for spending {$1000.00}. This was not the promotion that I applied for. I will attach a screen shot of their offer. 

I called XXXX during the last week and spoke to their representative and asked that the XXXX point offer be attached to the account. The agent refused and told me the current offer is XXXX points. During the call I was able to verify that XXXX has lowered their sign on bonus off ; however at the time that I applied ( XX/XX/XXXX ) the older XXXX $ XXXX offer was in place. 

Attachments : XXXX. XXXX of XXXX XXXX with lower offer XXXX. Email from XXXX showing offer was received on XX/XX/XXXX XXXX. XXXX point offer from XXXX
Product: Credit reporting or other personal consumer reports

This Credit Company has an inquiry on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the I never applied for any WELLS FARGO CARD SERV XXXX XXXX credit card on XX/XX/year> it's inaccurate and fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times
Product: Payday loan, title loan, or personal loan

XXXX XXXX 2017, I was notified by my line of credit that I was behind {$49.00} and once I paid that amount I would be up to date. Then I was threatened that my line of credit was 33 payments behind and that my house was going to go in foreclosure. They told me I had to pay about {$8000.00} to bring the account current but I was not shown any documentation. I was so scared that I would lose my house and I paid most of the money, but then they closed the loan amount and transferred it to another department in Bank of America and now no one wants to tell me what is going on. I need my credit to be cleared because I need to refinance and put everything in one loan. I have called several times and no one seems to understand.
Product: Debt collection

XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX