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

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Below, is the account they should CORRECT on my file : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via XXXX XXXX. This is not my account. It was confirmed that this was not my account, but my son 's XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the XXXX that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. XXXX XXXX, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit card or prepaid card

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) warned credit card companies they must reveal the true  costs of 0 percent promotional offers. Credit card offers that lure in consumers and then hit them with surprise charges are against the law. said CFPB Director XXXX XXXX when issuing the warning. Today, we are putting credit card companies on notice that we expect them to clearly disclose how these promotional offers apply to consumers so that they can make informed choices about their credit card use. 

BBVA is in blatant violation of the Truth in Lending Act enacted XX/XX/XXXX, specifically Reg Z subsection B which requires lenders to disclose as ARR the total cost of borrowing. BBVA has failed to do this. In the disclosure sent to me and on their website it shows zero percent APR and a few lines down in small print discloses a 4 percent transaction fee on balance transfers. Again they show Zero percent APR for balance transfers for 13 months of account opening while also charging a 4 percent transactions fee. Obviously if they charge a transaction fee, it is impossible to have zero percent APR and therefore violates TILA and is illegal violating Reg Z subsection B.
Product: Debt collection

Viewed my credit report and notice a collection account by Diversified Consultants, Inc. was appearing on all three major credit bureaus ( XXXX, XXXX, XXXX ) in  which they say I owe {$770.00} ( Account # XXXX ). I wrote my initial letter dated XX/XX/18 informing them this account was not mine and Im filing a formal notice of dispute. I requested validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 that the account was valid and enclosed a copy of a statement which could have been printed out on any computer by anyone. They failed to provide validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

I sent them a second letter dated XX/XX/18 requesting viable evidence of the debt. Informing them that an employee looking at their computer screen, seeing my name listed in their database is NOT verification according to the law. 

Diversified Consultants, Inc. failed to respond to letter 2 dated XX/XX/2018 within the 30 day timeframe, also failed to provide the credit bureaus with a Notice of Dispute within the 30 day timeframe according to the FCRA. 

I sent them a third letter dated XX/XX/18 informing them that according to the FTC as per opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that due to several attempts to provide viable verification I was filing a complaint with the CFPB due to their negligent actions. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 saying yet again that the account was valid with a printout statement, but provided no viable evidence.
Product: Checking or savings account

This is in reference to a dispute I filed in XXXX XXXX with PNC bank. An unauthorized charge for {$250.00} for XXXX XXXX. I received documents to sign, in which I mailed back in XXXX. PNC claim they did not get. Then faxed them in XXXX and was advised they received them. I went to go pay my rent on Sunday XXXX/XXXX/XXXX and could not because they had taken {$250.00} out of my account. I am now being evicted with my minor son due to this issue. I a, fighting XXXX and I have no help paying my rent. PNC customer service has been extremely rude and not helpful. I feel they are taking advantage on my XXXX. I need help please. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXX on my credit report. Despite my efforts to resolve this matter directly with Experian, XXXX and XXXX, the reported information remains inaccurate and misleading. The issues include but are not limited to : Incorrect Balance : The credit report lists a balance of {$250.00}, which is inaccurate and does not reflect the payments I have made. Contradictory Account Status : The account is reported as Closed but also listed as Current, which is contradictory and misleading. False Dispute Resolution Remark : The report states, Dispute resolved ; reported by grantor, despite no proper resolution or documentation from XXXX  XXXX. These inaccuracies have negatively impacted my financial reputation and violate my rights under both federal and state consumer protection laws. Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit agencies must ensure the maximum possible accuracy of information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of disputed information within 30 days. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must correct or delete inaccurate data after receiving notice of a dispute. Fair Credit Billing Act ( FCBA ) : 15 U.S.C. 1666 : Despite repeated requests under 15 U.S.C. 1666 ( d ), the company has failed to produce essential documentation validating the accuracy of the alleged debts, including books of accounts, invoices, or transaction records. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) : 73 P.S. 2270.4 : Prohibits creditors from reporting false or misleading information. 73 P.S. 201-3 : Deems false credit reporting an unfair or deceptive practice. Attempts to Resolve : I have contacted Experian, XXXX and XXXX to dispute this matter but received no resolution. I also contacted XXXX XXXX, which failed to provide supporting documentation or correct the errors. Harm Caused : The inaccuracies in my credit report have caused the following issues : Lowered Credit Score : Affecting my ability to obtain financing or favorable terms. Emotional Distress : The prolonged dispute process has been frustrating and stressful. Potential Financial Loss : Due to higher interest rates and limited financial opportunities.
Product: Mortgage

SLS ( Specialized Loan Servicing ) is not giving the proper credit to principal. This has happened every month since XXXX XXXX XXXX sold or transferred the loan to SLS. I want to know why there is a difference between my calculations and SLS. My calculation for the recording of the XXXX payment, received by SLS on XX/XX/19 is : 27 days x {$290000.00} x daily interest of .000113 - {$1300.00} = {$430.00} the principal amount paid. I only received credit for XXXX, a shortage of {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, initially, I sent a certified mail letter to Capital One on XX/XX/XXXX, requesting that they forward me a copy of the 1099-C that they filed when they charged the debt off with the IRS. The amount listed is {$620.00} Capital One received this Certified mail letter, signed, dated, and returned on XX/XX/XXXX. 

On XX/XX/XXXX, I made my second attempt to fix this issue with the company by sending via Certified Mail, another letter that includes a notice and detailed description of the inaccurate reporting that Capital One is allowing to happen. 

Under the United States Code, 15 U.S. Code 1681s2 says, Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty - a moral or legal obligation ; a responsibility. 
Accurate - correct in all details ; exact. 
Prohibition - a law or regulation forbidding something. 

As defined by The IRS : Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition, the IRS clearly says a Canceled or Charge Off is income. The reporting of this account as a debt is inaccurate. 

The above information is only part of the unresolved letter ( second attempt ) that I sent to Capital One. 

Due to the nature that Capital One has failed to send me a copy of the 1099-C in a timely manner. I had decided to offer them TEN ( 10 ) more DAYS to DELETE the account as well as send the 1099-C that Capital One charged off with the IRS. 

Those ten days have passed and still, no documentation has been sent to my abode. It us clear that I have been more than willing and generous to try and solve this issue between the company and myself ( the consumer ). 

I hope that this message receives you well.
Product: Debt collection

PRO XXXX is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. This includes a XXXX day late payment posted in XX/XX/XXXX, and a XXXX day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EQUIFAX via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Checking or savings account

It's been over a week since my DM and no response ( DM reposted below ) so as a next step I have filed a complaint with the Consumer Financial Protection Bureau. You have gone from a friendly, consumer focused bank to a non-caring, unresponsive organization that doesn't value its customers. It's sad. 
-- -- - I've been a Capital One customer for nearly 40 years. Some time ago, I opened a XXXX account to buy and redeem US treasury bonds and used my Capital One account as the source of the funds- the Treasury simply withdrew the money from the account, using the bank 's routing number and my account number. I did this for several years. Recently, however, Capital One unilaterally converted my checking account to a " XXXX account '' - it's new product - and in the process changed the Bank 's routing number. That means that I can not use the account to purchase additional bonds or redeem the bonds that have matured unless I first change the routing number on file with XXXX. XXXX does not permit changes to routing numbers online ; rather, they require a Form XXXX which must be signed by me in front of a bank officer, and that officer must sign, certify and affix an official seal or stamp to the form. I went to Capital One to complete the form and have them sign and affix the required seal or stamp, but the Bank told me " we don't do that '' - they won't sign and affix the seal or stamp. So Capital One caused this problem but they won't fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX  XX/XX/2021, XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several police reports stating identity fraud. I have given Equifax a copy of my Colorado Drivers License. A copy of my Social Security Card and a copy of the police report for the identity theft. The two XXXX accounts were filed under Identity Fraud along with the police report. XXXX was listed as 6 times paying late when in fact this was incorrect. the two other Credit bureaus were listed as no missing or late payments. Only Equifax is showing 6 times. This needs to be fixed. There is a XXXX XXXX account which is not mine. My address has me living in Georgia. I sumitted proof that this Identity Fraud. I have never lived in Georgia. Equifax is not changing these errors. I am asking that they delete the errors. Equifax is the worst of the 3 credit reporting agencies, especially when it comes to fixing and deleting their errors.
Product: Consumer Loan

I have tried to get XXXX to verify the debt and send me information which they refuse to do. They are also reporting different information to all three bureaus in terms of outstanding balance, date opened, etc. I have tried to get them to remove this inaccurate information with no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

There reporting information that is not correct this account is fraud never had a card from them. I lasted disputed on XXXX. XXXX and they're reporting two amounts {$790.00} balance and {$1500.00} which I never had. Wells Fargo card services
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.

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 reporting, credit repair services, or other personal consumer reports

I paid my car loan off in XXXX 2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXXXXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 XXXX XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXXXXXX, ( 6 ) XXXX XXXX XXXX XXXX XXXX ( 7 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Debt collection

Company Name : XXXX A few days ago, I purchased a new line for my business, for the phone number listed. Almost immediately, I received a call. When I answered, it remained connected for about 6 seconds, then hung up.

Since then, I've received multiple phone calls each day. I finally connected with the company and they said they were trying to connect with another person.

My concern is that if they're doing this to my number, they're clearly violating consumer rights due to " Repeated or Continuous Calls ''.

They're using repeated calls in hopes that the person being harassed will call their number to provide info for a lead on collections. I'll post the call transcripts below. I can also provide screenshots or call my mobile company to collect records.

XX/XX/XXXX - XXXX - Incoming call from XXXX  ( Duration : 7 seconds ) XX/XX/XXXX - XXXX - Incoming call from XXXX ( Duration : 5 seconds )XX/XX/XXXX- XXXX  - Incoming call from XXXX ( Duration : 7 seconds ) XX/XX/XXXX - XXXX  - Incoming call from XXXX ( Duration : 6 seconds )
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbcs companies are still making hard inquiries to my credit after i recently filed ( earlier this month ) a complaint they recently ran my credit again XX/XX/2019 without my knowledge or any consent cause my credit score to drop 28 points
Product: Credit reporting or other personal consumer reports

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.