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

i have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXXXXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I, Person 1, called in today and requested the fax number to send the form in tht they requested. we are adding my credentials to my credit card. There is a person with the same name and DOB. We have been having trouble getting a credit card mailed to me adding Miss and my credentials of XXXX. The supervisor XXXX, insisted after giving her my information that I needed to log into my account. The problem is that I have never had and will never have an online account. I have told them every time if there is ever an online account on me it is fraud. They obviously still have me merged with XXXX XXXX, person XXXX XXXX from Florida. I gave her my complete social and the last XXXX digits of my credit card and she stated that they could not find my account. I gave her my information which includes both of my phone numbers, and one that I added XXXX The only email on my account belongs to the fraud department to ensure that no one tries to merge me with XXXX XXXX from Florida who lives at XXXX XXXX XXXX XXXX XXXX, Florida. XXXX from XXXX opened a couple of my accounts. Please make sure she is involved as she knows who I am. I am concerned now especially with taxes as they may have sent my information to XXXX XXXX in Florida in the past when I did not receive my mail from one of my accounts for more than a year and dont want tax liabilities due to the person misidentification. My account ends in XXXX and my social seems to be merged with hers. The supervisor from TX hung up on me after telling her that I was filing a complaint. I gave XXXX my entire social security number and she couldnt find my accounts. She also refused to provide specifically who they used for my account. I also have a savings or checking too. I opened my account in GA and XXXX credit card was opened in TN many years ago. I also believe that someone merged my po box and cell phone phone to her account. XXXX XXXX 's office is invlolved so if they need to reach out ot his office they can too and ask for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Product: Mortgage

I have mortgage with Wells Fargo Mortgage Company ( XXXX # XXXX ). I had opted forbearance due to COVID-19 XX/XX/XXXX- XX/XX/XXXX. I was approved for a payment deferral which let me pay the outstanding amount at the end of my loan term. XX/XX/XXXX, I called the Well Fargo Mortgage company to remove the PMI as my home value has gone up and PMI got removed. On XX/XX/XXXX when I requested to separate Escrow account the Customer representative initially said it can be removed and they will send a letter confirming that. 
But when I called them today, 2 different representatives are giving me 2 different stories saying 1. the Escrow can not be removed till I close my Mortgage or the term is completed. 2. They are considering the forbearance as a late/missed payment so I have to request after XXXX XXXX and XXXX. 

When I requested they send me this letter which was dated on XX/XX/XXXX : Short-term payment suspension impacts Escrow account : If you have one for this loan, you may experience a shortage if you miss payments. When this happens, well continue to pay your tax and insurance bills. ( If you dont have an escrow account, remember to pay your tax and insurance bills directly. ) If you miss payments, you may not be able to remove the escrow account. 

I was not informed that the forbearance was considered as a miss payment, infact I was told that forbearance WON'T be considered as a Miss/Late payment!
Product: Credit card

-- XX/XX/XXXX at XXXX Eastern time, a charge of {$42.00} at a XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, New York. According to Barclay 's, my digital wallet was used. 
I have called Barclay 's JetBlue Elite credit card fraud department multiple times and had three investigations opened, because each time I call, the agent is unable to answer simple questions about this disputed transaction. 
Specifically : -- 1 ) There is no XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX, New York. So where did I allegedly physically make the transaction? What is the address? 
-- 2 ) I used my credit card to make an in-person transaction in XXXX, NJ, on XXXX XXXX, XXXX. That actual, in-person transaction ( which I don't dispute ) was 23 minutes after the alleged transaction At XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY -- a physical impossibility if the same device was used. Was the same device used in both transactions, and how is that verified? How can you be sure the device ID wasn't cloned? 
-- 3 ) When Barclay 's reached out to XXXXXXXX XXXX XXXXXXXX XXXX, what information was obtained about the XXXX XXXX transaction? What membership name/ID was tied to the allegedly transaction?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious too my Credit score. 
Account Number : XXXX XXXX XXXX XXXX Account Name : XXXX
Product: Student loan

MY LOANS WITH XXXX WERE APPARENTLY TRANSFERRED TO THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY ABOUT XX/XX/XXXX. IM NOT SURE IF THIS IS A LEGAL PURCHASE OR TRANSFER.

.

FURTHERMORE, MY FEDERAL STATUS FOR THE LOANS WERE AND HAVE BEEN IN DEFERMENT OF FORBEARANCE THE APPROVED APPLICATION FOR SAID DEFERRED PAYMENTS THRU XXXX XXXX  PRIOR AND DURING THE ENTIRE YEAR OF XX/XX/XXXXAND PRESENTLY TILL XX/XX/XXXX.

UNDER FEDERAL LAW, THAT WOULD MEAN THAT THE COLLECTIONS OR DEFAULT PROPAGATED BY XXXX  IS A ILLEGAL ACTION BY THE STATE OF KENTUCKY AGENCY ATTEMPTING TO OVER-RIDE FEDERAL DEFERMENT OR FORBEARANCE PROTOCALS THAT RELIEVE THE PAYMENT SCHEDULE WITH THE STATE AGENCY.

I NEED YOU HELP IN REMINDING THE PEOPLE AT THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY OF THE FEDERAL MANDATE THAT PLACES ALL LOAN DEPTS,,, ,FEDERAL AND STATE IN TO CURRENT DEFERRED PAYMENT STATUS ACCORDING TO THE DEPT OF EDUCATION RULES FOR DEFERMENT OR FORBEARANCE OF ORIGINATION OF FEDERAL STUDENT LOANS WE HAVE THE DOCUMENTATION NECCESARY TO IMPLY THAT THE PURCHASED FEDERAL LOANS OR GUARANTEED ASSISTANCE FROM XXXX IS AND WAS IN DEFERMENT OF FORBEARANCE THEREBY REMOVING THE COLLECTION AND THE DEFAULT STATUS THEY LISTED WITH PREJUDICE AT THE DEPT OF EDUCation and upon my curent credit report in summation they have provided a illegal action upon my accounts and face a federal complaint toward there actions here is the account information, and of course, i can supply the federal documentation to imply forbearance of deferment to aleviate the false collection /late payment process upon my dept of education default status. the fact remains that i worked with XXXX XXXX without XXXX and the kentucky higher education assistance authority knowledge because navient failed to inform them of the proper services and XXXX   arbitrarily assigned itself above federal laws in place to apply a late payment status at XXXX   and the dept of education itself.

REGARDS XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TWO ACCOUNTS BEGINNING WITH THESE NUMBERS, KY HIGHER EDUCATION AA View All Accounts Previous Next Details Account # XXXX Original Creditor XXXX XXXX  Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Usage - Balance {$57000.00} Balance Updated XX/XX/XXXXOriginal Balance {$44000.00} Monthly Payment - Past Due Amount {$57000.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX
Product: Debt collection

Portfolio Recovery Services has me in collection with the wrong DOFD and a different amount that I was not able to pay the original creditor. I have disputed these mistakes more than 10 times to all the credit bureaus. XXXX and XXXX refuse to investigate this error and it is financially harming me. 

The actual DOFD was in XX/XX/XXXX according to XXXX XXXX report. XXXX has my DOFD as of XX/XX/XXXX. Portfolio Recovery Services has an account opening date of XX/XX/XXXX. The original amount past due was {$1600.00}, Portfolio Recovery is requesting me to pay {$1900.00}. I have tried to contact them and they do not reply. I have contacted the credit bureaus and as I mentioned they send me a computerized form that says the information on the credit report is right. The bureaus are not investigating this issue, I have personally called the credit bureaus and I am told it would be removed but nothing happens. 

Please help me.
Product: Checking or savings account

Complaint was filed previously due to fraud transactions on account. US Bank approved partial and denied partial and they are claiming I did transactions after I have informed them I was under medical treatments, XXXX, and I having fraudulent alerts on my credit reports. After I informed them of this they didnt due their due diligence to close the debit card. Continued transactions occurred and now they arent accepting accountability on their end and have placed a hold on my account and are stating they will be closing it. 
I have bad health and this is causing me a financial burden, credit reporting, and emotional distress. Release my money, credit me back for the fraud, and do not close account. I dont need a XXXX debit card, I just need my account open due to XXXX payment that will process. I am ready to go to XXXX XXXX! I feel like Im getting harassed and discriminated!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX {$120.00}, Account # 7, XXXX  {$670.00}
Product: Debt collection

Accelerated Financial Solutions, has once again added themselves to my credit report and as a result my score has went down and now my credit accounts that were in good standards as decreased my credit limit and I am very upset. I tried to to resolve this a year ago, it was removed off my credit and now put back on yet again,
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$510.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Checking or savings account

On the XXXX of XXXX I noticed XXXX dollars missing from my bank account with chase I saw lots of different transactions that where not made by me I submitted a claim that I detected fraud on my account I waited 3 weeks for chase to do a investigation once it was completed they told me there was nothing they could do they closed my account with my pay check that was deposited by my job of XXXX I have pictures to show everything there was also 3 checks deposited into my account they where all fraudulent checks taking money from people I have XXXX  before chase will not do anything to help and will not refund the money that was taken.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft adavit, pursant to section XXXX, you must remove the fraudulent accounts, inquiries and address from reporting to my credit report. I am suffering from punitive damages, The fraudulent ; accounts : XXXX CREDIT 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 WIRELESS XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
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. 

Account name : XXXX  Accountnumber:XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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: Mortgage

Attempting to have loan refinanced. Servicer on current loan is Ocwen Loan Servicing. Ocwen refused to give payoff amount to new lender on XX/XX/XXXX.  Called customer service today, was put on hold, and then line disconnected. Called back and office was closed, holding me hostage to their interest rate so that they can make more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.
Product: Credit reporting or other personal consumer reports

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXX of 2024 Account # XXXX XXXX XXXXXXXX XXXX according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. 
Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to file a formal complaint against Valor Intelligent Processing, acting on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX ), for persistent and unlawful debt collection practices. 

I have been receiving incessant phone calls and text messages from Valor Intelligent Processing regarding a debt collection matter. These communications occur at all times of the day, including weekends. The frequency and timing of these contacts have caused significant distress and disruption to my daily life.

Specifically, I would like to bring to your attention the following issues : Harassment : Valor Intelligent Processing has been contacting me non-stop via phone and text messages, often multiple times a day. This relentless contact constitutes harassment and is causing me significant stress and anxiety. 

Unlawful Communication : The company has been sending me text messages on weekends. As per my understanding, contacting consumers for debt collection purposes via text messages on weekends is illegal. 

I am uncertain as to why they continue to contact me, and I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that the CFPB investigate this matter promptly and take appropriate action to ensure that Valor Intelligent Processing ceases their unlawful and harassing behavior.
Product: Credit card

Bank of America is not complying with the Fair Credit Billing Act in terms of representing its customers who file chargebacks based on billing errors, dissatisfactory services, and misrepresented products on their Bank of America credit cards. I have multiple examples to prove this. Bank of America does not take chargeback claims seriously in comparison to other major card issuers. Bank of America uses many tactics to offset its lawful responsibility to handle chargebacks seriously. A few of these tactics are to not acknowledging documentation they receive from their consumers ( I.e they ask for supporting evidence, and then never acknowledge receiving the evidence ) or putting undue onerous on the consumer to provide documentation when they have reasonable means to capture this information on their own from a merchant ( i.e, double charged in a restaurant, lost the receipt, and they would not pursue the claim ). 

Bank of America is likely doing this to reduce its internal expenses in administering the chargeback process on behalf of its customers.