23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First point is reporting information regarding a debt that does not belong to me on my credit report. I have contacted them to let them know about this fraudulent activity and they have not removed it. I have requested proof of signed contract or picture ID shown at time of service. And have not received anything. I want this fraudulent account removed immediately.
Product: Debt collection

My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.
Product: Credit card or prepaid card

I paid off a credit card by phone on XXXX, XXXX on XXXX XXXX XXXX they said i still owed them {$25.00} for interest. i called them, i was told it would be taken care of. that it was a mistake. on XX/XX/2022 i received a notice that i owed them {$51.00}. I called them again and asked what this was for. I was told, it was interest on my bill. i asked them how do you get interest on a 0 balance. I was told that i still owed them. even after they were paid off. I was told they forget to add the interest on the pay off amount. I do not feel I owe them any thing. I paid {$1900.00} on XXXX by phone. I was told at that time, {$1900.00} was the pay off.
Product: Checking or savings account

I have been charged multiple time with a XXXX XXXX fee for an overdraft charge. Say 2 charges were made which lead to my account being negative they have charged me twice. Which I can send my bank statements to prove and as well as them charging me every month for a maintenance fee which I wasnt charged until I was affected by a tornado at my job so I wasnt able to work which lead to me not being able to deposit much into my account but at least XXXX dollars was getting deposited into my account every week
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Discover has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my information " may have been '' compromised by their breach. Because of this, I felt I had no alternative but to place a credit freeze with all three bureaus. Each bureau charged {$10.00} to place a credit freeze ( including Equifax ) AND they will also charge a fee when you request to unfreeze it in order to give potential creditors and/or employers access. I contacted Equifax and asked that they refund the {$30.00} because they are responsible for the threat I now face. They informed me that they have no intention of refunding any credit freeze fees, but they are offering credit monitoring for one year. Their nonchalant response with practically no offer of assistance or protection is NOT acceptable.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I noticed some discrepancies in my account I asked you to dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. The information reported by OneMain Financial to the Credit reporting agency does not reflect my actual account history. 

The inaccurate information includes : XXXX. XXXX : Late payment for XX/XX/XXXX ( 60 days ) and XX/XX/XXXX ( 30 days ), which are incorrect. 
XXXX. XXXX : Late payment for XX/XX/XXXX ( 60 days ) and XX/XX/XXXX ( 30 days ), which are incorrect. 
As well as other dates on the pictures attached
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was a victim of identity theft and had to file a police report and start looking into my credit reports. Upon doing this I had found 3 collection accounts belonging to KeyBridge Medical Revenue totaling {$170.00} that I was unaware of and thought were paid through my XXXX XXXX. Immediately contacted Keybridge and paid these 3 accounts off in full and received a letter from them showing they were paid. I spoke to all 3 credit agencies ( XXXX, XXXX & XXXX ) XXXX & XXXX removed the collections from my credit file upon faxing the letter from KeyBridge to them showing the accounts were satisfied in full. after dozens of phone calls, disputes and letters, XXXX is REFUSING to delete these 3 collection reports from my file. I wrote two goodwill letters one to KeyBridge Medical and one to their President XXXX XXXX asking to please remove these collection accounts that have been paid with NO RESPONSE! 

I have placed 2 calls to XXXX XXXX who is a customer relations person and left 2 voicemails with no return call or response of any kind. I am applying for a mortgage and this will severely impact my application. If they are PAID why do they have to remain for 7 years on XXXX and not the others?
Product: Debt collection

THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Well Fargo has not refunded me the correct amount they let a transaction go threw my account with no accountability.
Product: Credit card

Good Day i'm writing this complaint against XXXX of the worst banks in USA, Wells Fargo closed my account in bad faith, stating a violation of credit card usage/transactions called them many times regarding balance and reward no one answered, went a couple of times nobody help I don't owe any money/balance on this credit card let Wells Fargo send it to collection or court their fault has to be held accountable, this bank has too many cases against them one of worst bank in USA against never pay money, I don't owe
Product: Debt collection

To Whom It May Concern : Your collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but you placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Your collection agency has no authority to furnish any of my accounts to a consumer reporting agency without providing any, and all disclosures required by law, and you are in clear violation of 12 CFR 1006.3 ( d ) and, 15 USC 1681-S 2 ( 7 ) ( A ). Im disputing owing any, and all debts to your collection agency. Im also revoking all rights of your agency communicating with me through email/text/calls. Im requesting debt validation, and Im also requesting the purchase agreement between your collection agency, and the original creditor. Finally Im requesting your collection agency furnish proof that they are licensed, and bonded.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC 1681. 

XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXXXXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

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.
Product: Credit card or prepaid card

XXXX account with account number finish in XXXX, amount owed XXXX, I received a letter from collections Credit Corp Solutions INC
Product: Debt collection

XXXX XXXX, for XXXX XXXX XXXX XXXX XXXX, Tx called my sister-in-law at XXXX ( pst ) and told her they were going to arrest me for felony check fraud. She called me with the number he gave her ( this is the first time i 've heard anything about this account ) and i called him directly at XXXX. He answered the phone I told him who i was and then he said " ah, yes, XXXX XXXX we have your info right here. If you do not pay us {$1200.00} by XXXX we are going to issue a FELONY WARRANT for your arrest in XXXX County Idaho. '' I asked him what company he worked for and who he was collecting this debt for and he refused to say. He also refused to give me the account number of said debt. He told me that the debt collector he worked for had a " no contact order '' against me and that if i tried to contact them it would be harassment so not to bother. He offered to take a down payment of 60 % and payments for the remaining amount. He told me he 'd give me until XXXX ( pst ) to make payment arrangements and if he did n't hear back from me by then he would process the warrant. I asked why i had n't been notified about this sooner and he said they tried but got no answers to the letters sent. I asked what address they had for me and he refused to answer. I told him that if this debt was mine that I had no problems taking care of it and then asked to have new mail sent to the proper address so that i could verify if it was real. He said he could n't mail anything cause it would take too long, i then asked for an email of proof of debt. He took my email address down and did email me a letter. ( It 's really fake looking. Like a child could type up this letter kinda thing. ) He told me that if i wanted to avoid 90 days in jail that i would take care of it right now while on the phone with him. I told him I had to make some phone calls first before i could pay it in full if it was a real debt i owed. He told me that when i called him back that he would transfer me to the right person so that i could make payment. I then asked for that persons direct number and he refused to give that to me as well. I called my local sheriff 's department and they assured me that I would not be arrested for this and that this was just another scam and not to pay. I also called the original debtor and spoke with their collection department. I do have a debt with them and they transferred it to United Debt Holdings in 2013. She also went on to say that what XXXX XXXX was doing was illegal and that it was a scam and not to pay them a dime. She gave me the number to United Debt Holdings and told me i would get a voicemail and to leave a message. I did so after getting off the phone with her. They have still not called back. This XXXX XXXX was yelling at me and telling me that he 's just a messenger and not a debt collector but yet he 's asking me to pay money so now i 'm confused. He was very rude and refused to give me any information that a normal debt collector would have. I have witnesses to this phone call as well. I put it on speaker phone for my neighbor to hear just in case this was real.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported XXXX late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history.

The discrepancies are as follows : XXXX : Reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. 
TransUnion and XXXX : Reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments. 
If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated 30-day timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected.

Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from XXXX, and for XX/XX/XXXX and XX/XX/XXXX from TransUnion and XXXX. 
Provide written confirmation of the corrections made to my credit file. 
XXXX a detailed explanation of the procedures used to investigate my dispute. 
Thank you for your immediate attention to this matter. I look forward to receiving your response within the XXXX timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

The accounts of CAPITAL ONE BANK USA N were reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
CAPITAL ONE BANK USA Balance {$220.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$74.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$0.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$0.00} Opened Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Amex charge XXXX dollars of interest one month without notice after beeing 0 % as soon as I got the statement l pay it off, but now they are also charging me a trail interest ... of XXXX dolars please help/advice. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion several times in XXXX of 2021 to remove all incorrect addresses on my credit report, however the agents said they were unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX  and Experian are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Product: Credit card

I opened a XXXX XXXX Unlimited credit card in XX/XX/year>, and one of the promotional offers was {$200.00} cash back after spending {$500.00} in the first three months. I met that requirement, but the bonus was never credited to me. When I called customer service to check on the status, they told me that my card terms didnt include that offer. I have a screenshot of the terms and conditions from when I applied, clearly stating the {$200.00} bonus, but they are saying I'm ineligible.
Product: Mortgage

I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block in ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Equifax that these are from fraud.