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

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX! 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given  that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit!

Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Product: Debt collection

I am not aware of this debt.

I didn't have the opportunity to dispute this information. If you do believe that you gave me the proper notification then please send me the certified receipts with my signature on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 55 Hard and soft Inquires combine with all 3 credit bureaus. I didn't authorized such inquiries.
Product: Money transfer, virtual currency, or money service

For over 2 years my trading account balance of XXXX has been held on to. I see my balance but I have been unable to withdraw it for the last 2 years since XXXXXXXX XXXX  After continous pressure, I got a response 2 months ago requesting I should show the origins of the crypto ; details of transaction with the crypto exchange, details of XXXX currency transaction with XXXX XXXX, bank statement of these transactions, and my payslip and other sources of income. I provided all requested transaction details, payslips, bank statements and other sources of income. However, despite providing all the requested proofs Blockchain is still yet to release my crypto.
Product: Credit card

I have been dealing with Credit Card Fraud with Wells Fargo, I filed a police report and the fraud person they kept adding as a signer issuing cards and raising my card limits for the several {$2.00}, and {$3.00}, cash advances, all done by the same fraud name XXXX XXXX XXXX, all done in XXXX OH and Texas. I was forced to take out a Persian loan with XXXX XXXX XXXX for {$16000.00}. It caused me to be taken ER due to XXXX from stress. Im yet to receive the money back and I have all the bank credit card statements, of all the rush card delivery fees, interest rate for cash advances and cash advance fees. The kept closing one card and just forwarding all the balance to a new card which included the fraud cash advance amounts, interest and all fees. Im being forced to obtain an attorney unless they send me the check for all the fraud Wells Fargo scans people dont believe anything they all working together. The few honest ones that helped me would few days later at the Bank be suddenly gone no longer working there I provided Wells Fargo with a copy of the fraud police report filed against XXXX XXXX XXXX and the amount Im owed {$16000.00}. Yet the name would be added as a authorized signer on my credit card account and yet another Fraud card would get issued and yet another {$2000.00}, {$1900.00}. And {$3000.00}. Cash Advaces would be able go through.

Help stop the Fraud Scam XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Mortgage

I took part in the forbearance program, upon completion of the program, the mortgage company had me to re sign documents and had me to commit to payments being automatically taken out. The mortgage company also notified me that they would be reaching out to my spouse who was not responsible for the loan payout, so that she could re sign the instrument. The Notary called my spouse XX/XX/XXXX and set the date for XX/XX/XXXX. My spouse did not choose this date, the notary did. As promised the first payment ( automatically ) came out XX/XX/XXXX. On XX/XX/XXXX the payment automatically came out. On XX/XX/XXXX The Payment DID NOT automatically come out. So I contacted the mortgage company. They continued telling me that they needed to investigate the issue. While I waited, the company proceeded to report to my credit report that I was over 120 days late. They said it was because I did not fulfill my obligation of getting the note re signed. So all the forbearance days was added as non payment. This caused my credit to be negatively affected. I continued calling to find out what was happening, but kept being told that they were investigating it. So much time passed during this process, yet while I was waiting, their underwriter was working on closing out my loan without me knowing it. Then I received a letter that they were foreclosing on my property. I could not understand what was happening because the loan was suppose to be automatically taken out. Finally, the company explained to me that though my spouse was not responsible for the mortgage, she never submitted the papers she was suppose to sign. I tried to explain that this was a clerical error on their part because the notary is who assigned the date of the closing and who sent the papers out to the company. However, to date, they claimed they never received my spouses paperwork. I spoke with the notary who sent an email showing the date that the paperwork was sent. Now they are telling me that I will need to reapply for a loan on my home. This is impossible because they have hit my credit and I will not qualify, I will also lose my original rate that was before the rates went up. They have put me in a bind and refuse to work with me. As a matter of fact, the caller told me that next time I need to make sure the payment came out even though it was automatically coming out of my account. They refuse to help me fix the issue, they refuse to take responsibility for the issue and they are currently in the process of taking my home that I will not be able to afford with the new rate. I need help please, as this was not an error on my end. This was simply a clerical error. They told me that they closed the loan XX/XX/XXXX. The spouse signed the new instrument XX/XX/XXXX at the request of the notary they hired, this was more than enough time to get the documents by XX/XX/XXXX. Please please help as they have stopped communicating with me and have refused to take my payments. Thank you!!
Product: Vehicle loan or lease

My vehicle was repossessed illegally without any notice and I was never given a XXXX it was then sold and I was never told what it was sold for none of my payments were late yet it was placed on my credit report as several late payments I contacted the finance company western funding and was rudely told that they dont have to send me anything and still today they have not sent me any information about the repossession or my original contract with them and its still being reported on my credit report they also overcharged me more than what I was supposed to pay based off my contract and finance charges
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. these remarks have been XXXX  to my life and credit health.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of an account reported on my credit report by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the specific issues : XXXX. Improper Reporting of Disputed Status : The report states, Account information disputed by consumer, meets FCRA requirements. If you did not agree to this dispute resolution or if the dispute was not properly investigated, this statement might be misleading. 
XXXX. Unauthorized Transfer or Assignment of Debt : If you did not agree to any payments or the transfer of this account to a third party ( XXXX Funding ), it could be a violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential Obsolete Information : The accounts Date Opened is listed as XX/XX/XXXX, with the Last Reported date as XX/XX/XXXX. If the original delinquency occurred in XXXX, this account XXXX soon exceed the seven-year reporting limit for negative items under the FCRA. 
XXXX. Lack of Supporting Payment History : The report does not provide a detailed payment history or verification of how the debt reached Collection/Chargeoff status. This lack of transparency raises concerns about the accuracy and verifiability of the report. 
XXXX. Incorrect Reporting of Collection Activity : If XXXX Funding is reporting this account as Collection/Chargeoff without proper documentation or consent, this could constitute a violation of the FCRA and FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure the information they report is accurate and verifiable. Inconsistent and unclear reporting violates this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported for more than seven years from the date of the first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed this account and it remains unresolved or improperly updated, this indicates a failure to conduct a proper investigation.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) XXXX be reporting incorrect or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : If XXXX XXXX reported this debt without your consent or misrepresented its authority to collect, this could violate FDCPA provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, TransUnion, XXXX, XXXX is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided TransUnion, XXXX, XXXX with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to TransUnion 's, XXXX 's, XXXX 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

My XXXXXXXX XXXX XXXXXXXX mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without XXXX  days notification and transfer information, XXXX XXXX transferred my home mortgage loan to XXXX XXXX, affiliation of XXXX XXXX  company, on XXXX after I made my XX/XX/XXXX mortgage payment to XXXX ; however, XXXX XXXX  neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has XXXX XXXX reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to XXXX XXXX non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called XXXX XXXX and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for XXXX XXXX to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, XXXX XXXX has emailed ( XXXX ) to inform of new home mortgage information with XXXX XXXX will be serviced through XXXX, a sub service by XXXX XXXX brand. At this point, I don't know where my XXXX  XXXX mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a XXXX  XXXX mortgage and 100 % XXXX veteran to be treated as such.
Product: Credit reporting or other personal consumer reports

Please see attached as i have been a victim of identity theft, I've sent many letters and ftc reports with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting a 30 day late payment for XX/XX/2023. The reporting of this late payment violates the Fair Credit Reporting Act because experiences and transactions between the consumer and the person making the report are excluded. 

Also, a creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose unless the creditor has adopted reasonable procedures under " Consumer Credit Cost Disclosure '' and those procedures are mailed.

I also never provided any expressed written consent for a late payment to be added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a CFPB complaint regarding the following accounts : XXXX XXXX account # XXXX XXXX account XXXX XXXX I have also submitted multiple disputes regarding these account being improperly reported. XXXX XXXX fraudulently locked my account and closed it out as a charge off. XXXX closed the account with a balance on it and did not allow me to pay off the account. 

It has been well over 30 days for them to respond to my complaint. These account need to be immediately removed from my credit report.
Product: Debt collection

Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by Discover Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my Discover Card with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with Discover at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) XXXX XXXX XXXX. 

I called Discover to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

XXXX and XXXX were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying Discover. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and 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 card

Citi stopped sending statements in XXXX 2016. The representative told me they were trying to fix an issue where some people were getting duplicate emails but they accidentally shut off all email statement notifications. I received neither paper nor email statements from XXXX 2016 until I realized now that I have been accumulating late fees and interest. They are refusing to waive the late fees and interest ( have made two attempts so far ), despite admitting it was their mistake. 9 year customer/ never missed a payment or carried balance before this.