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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Spring Oaks Capital LLC. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within XXXX days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within XXXX  days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 
Given the lack of documentation and absence of a contractual agreement, the actions of Spring Oaks Capital LLC are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated due to inaccuracies in my credit report maintained by your agency. These inaccuracies stem from a violation of several key provisions of the FCRA, as outlined below : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : A consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report. 

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision. 

Additionally, according to Section 604 of the FCRA ( 15 U.S.C. 1681b ), I have the right to control who has access to my credit information. Credit reporting agencies should have my permission, typically in writing, to collect and share details about my financial accounts. 

I kindly request the removal of the following inaccurate accounts from my credit report : 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 I expect your prompt attention to this matter and request that you investigate these discrepancies immediately. Please provide me with a written response detailing the actions taken to rectify these inaccuracies within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue.
Product: Credit reporting or other personal consumer reports

Method of verified ... .Invoking FCRA ss 611 ( 15 U.S.C. 1681 ) Which forces reinvestigation of the item in the initial C.F.P.B. complaint # XXXX. I'm requesting to verify the source of the information used in order to return a " verified '' response to the initial C.F.P.B. complaint filed at Trans Union. Please adjust the contested item in the initial complaint within ( 6 ) six business days. Silence is tacit acquiescence agreement. And i will be filing a complaint with the Attorney General and the OCC if this is not is not address within 6 business days.
Product: Credit reporting or other personal consumer reports

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my XXXX XXXX. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Product: Credit reporting or other personal consumer reports

There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Payday loan, title loan, or personal loan

I needed a pay day loan to get through the month of XXXX. My work was shortening hours and I needed money. I borrowed {$400.00} and wound up owing {$1800.00}. Required to pay $ XXXX/month for 9 months. The interest is completely ridiculous and I heard class action lawsuits going after these tribal loan companies. I need help before this causes bankruptcy or even homeless. 

I signed a contract but was unaware of the interest this wasn't disclosed till after the fact.
Product: Credit reporting or other personal consumer reports

Today, I found inaccurate accounts listed on my credit report, and I dont understand why they appeared. I check my credit report frequently, but this time, I noticed unexpected inconsistencies. Hoping it was just a system error, I refreshed my browser, yet the incorrect accounts remained. Given this situation, I ask that the documents I provided be carefully reviewed so I no longer have to worry about this problem.
Product: Credit reporting or other personal consumer reports

I am writing in response to CFPB Complaints XXXX and XXXX filed against Military Star and AFFES. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, Military Star and AFFES claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a XXXX late payment as of XX/XX/XXXX, causing a XXXX decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before Military Star and AFFES claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that Military Star and XXXX have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from AFFES and Military Star via XXXX and XXXX, or by phone. 

I implore the CFPB to take action against Military Star and AFFES for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.
Product: Debt collection

Credit Card Fraud Claim Claim date XX/XX/XXXX says TEMPORARY CREDITS to your account in amount of {$470.00} ( THE TEMPORARY CREDITS have been made PERMANET. ) XX/XX/XXXX Statement attatched show {$560.00} TEMPORARY CREDITS they list as ADJUSTMENT PURCHASES ( beginning USAA fraud investigations ) And XX/XX/XXXX. Statement attatched TEMPORARY CREDITS listed as ADJUSTMENT PURCHASES show {$1.00}, XXXX total TEMPORARY CREDITS both months = {$2300.00} The CREDIT CARD FRAUD CLAIM letter claim date XX/XX/XXXX attatched shows {$470.00} TEMPORARY CREDITS and {$470.00} PERMANET CREDITS. 
If TEMPORARY CREDITS MUST BE MADE PERMANET What will the PERMANET CREDIT APPEAR AS ON STATEMENTS? I've never seen any PERMANET CREDITS TEMPORARY ONES SAY ADJUSTMENT PURCHASES. WHAT DO PERMANET ONES SAY? 
Please give dates of all PERMANET CREDITS. I am looking for {$2.00}, XXXX plus the {$470.00} from XX/XX/XXXX Credit Card Fraud Claim letter. 
I spoke with XXXX USAA REP today and asked How will I recognise PERMANET CREDITS? He said, they will be the TOTAL CREDITS FOR THIS PERIOD AMOUNT. XX/XX/XXXX that amount TOTAL CREDITS was only {$450.00} which included my credit payment of {$77.00} and XX/XX/XXXX TOTAL CREDITS were only {$910.00} There are NO USAA PERMANET CREDITS EVER ON MY ACCOUNT Where are the rest of credits due me? 
USAA has KNOWN THIS IDENINTY THEFT I REPORTED AS SUCH XX/XX/XXXX USAA COLLECTION LETTER attatched I have never had a card ending XXXX AND USAA BREAKS THE LAW There are statues against collections of Ideninity Theft USAA THINKS THEY ARE ABOVE THE LAW USAA OWES ME THE CREDTS NEVER MADE PERMANET They total. {$4.00}, XXXX USAA HAS KNOWN FOR 2 YEARS THIS IS IDENINITY THEFT USAA IS SUPPOSED TO BE ZERO LIABILITY I have been held liable for fraud 2 years
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$410.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of specific accounts from my credit report. I have recently discovered that I am a victim of a data breach, and I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX error Needs attention {$3900.00} XXXX XXXX XXXX XXXX Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$690.00} XXXX XXXX XXXX error Needs attention {$550.00} XXXXXX/XX/XXXX error Needs attention {$520.00} XXXX XXXX XXXX error Needs attention {$500.00} XXXX XXXX XXXX error Needs attention {$470.00} XX/XX/XXXX error Needs attention {$460.00} XXXX XXXX XXXX XXXX. 
error Needs attention {$250.00}
Product: Money transfer, virtual currency, or money service

Prior to sending this transfer request I checked and rechecked with Wells Fargo to confirm that I was in fact mailing them all of the required documentation needed to process my request as there are specific forms and documents that are required - they confirmed that I was in fact sending them exactly what they needed in order to process my request which included notarized written instructions from me showing my signature. 

A transfer request was sent by me via next day mail to Wells Fargo with delivery confirmed on XXXX. 

The request was to transfer XXXX from one account and XXXX from another account into one account at a XXXX XXXX  - both accounts at Wells Fargo are in the name of my Mother who passed away on XXXX ; I am the personal representative. The background is I had full access to these accounts to help my Mother manage her finances and I am also a long time Wells Fargo customer having several active accounts with them at this time. 

After about 5 days I called Wells Fargo and they confirmed receipt of the required documentation and also confirmed that the documents had been scanned into their system and ready for processing. They confirmed that it would take about 20 days to process. 

After about 20 days I called and they said it would take a little longer perhaps 30 days from date of receipt to process. 

I waited and called again after about 30 days and they said it would be processed within one week of my phone call. 

I called back after about one week and they said they needed me to fill out form W-9 and mail it back to them and that they would then be able to complete my request ( I was not previuosly informed by Wells Fargo that this form was actually a requirement even after checking and rechecking with them ). 

I confirmed that the requested W-9 form was delivered to Wells Fargo on XXXX at which time I ask them when my requested transactions would take place and the Rep stated it would take another 24 days. Based on the response so far I have no confidence that my requested transactions will be processed after another 24 days of waiting. 

Furthermore, on a personal note this is particularly XXXX  to hold me XXXX by not performing the requested very simple, everyday transactions ; especially after the passing of my Mother and the fact that I have funeral expenses to pay from these particular funds. To add insult to injury, I am the one that recommended to my Mother that she put her life savings into Wells Fargo accounts.
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 XXXX Bank XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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
Product: Credit card

First, the company did close the account and issue a partial refund for interest paid because of the way payments were applied. This is not the issue.

The issue is that it is very difficult to know how much needs to be paid in order to avoid interest. The payment information section only shows the New Balance- which is not the amount due to avoid interest charges, it is the total balance owed. The minimum payment due is also not the amount needed to pay to avoid interest- if you only pay that, it is guaranteed you will have hefty interest charges if part of the balance includes deferred charges. 

To find the actual amount I need to pay in order to avoid interest charges, I need to turn to a different page with 2 tables. Then I need to look at one line ( just labeled Regular ) of the first table ( account balance summary ) and then also add whatever lines of that table that are shown in red. This is confusing as someone may think the red font is used to show how much must be paid. But that would not be correct- you have to know that the top line, in black and not called out in any way, also needs to be added and paid.

The first page does not say that the Regular amount from the table needs to be paid in full to avoid interest charges. This makes it confusing as the balance may be quite a bit different, depending on the promotional purchases that have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, at XXXX, I was offered a job with XXXX XXXX, but my application was rescinded because the company pulled my twin background, which was not my accurate background.

Even informed the company that My twin was XXXX at the time so I knew for a fact the background they pulled wasn't accurate after hearing the things placed on the background.
Product: Credit reporting, credit repair services, or other personal consumer reports

Majority of the information on my XXXX, Equifax, and experience credit report is fraudulent because it's incorrect information and amounts. And also the credit unions are a fourth party creditor. I did not give the third party an Express consent in order for them to put anything on my credit. The contract is between me and XXXX other party and it is against the law for them to send my information to a third party without Express consent. So not only am I trying to get them took off for fraudulent information but to be opt out of their system that I did not give them permission to opt me in due to security breaches that they had within their company that allowed a fifth party to get a hold to my personal information. I believe that this fourth party company that obtained my information illegally is a wrist for my personal information.