23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Report Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These inquiries : 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 are not accurate . Also, according to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ), Have not been given a chance to dispute account.
Product: Prepaid card

Direct Express in still deciding to hold my money even after I have a new account and social security no longer sends them my money they are holding over {$5000.00} and I have provided them with my transfer funds electronic transfer number to my new account that the social security administration has now please do something about this matter it has been over XXXX to 7 months they have been they also will not allow me to access the money that they still hold on my card that is still on my person and I know all the information on it nor have I requested for them to suspend it. They keep asking that I send them my photo ID copy of my photo ID front and back so that they can verify to a certain account number I refuse to do that and was instructed not to I provided them with the electronic funds transfer number to my new account that social security administration has please ask that they release my funds to my new account my electronic transfer number is XXXX I also learned that this address is not public I am still being a victim of identity theft conspiracy involving my assets that were comprised that's another story
Product: Credit card

*I lost almost XXXX credit score due to Comenity Capital Bank 's mishandling* Between XXXX and XX/XX/2022 I went to XXXX XXXX XXXXXXXX ATM to pay back my credit card balance in cash as usual. This time the ATM rejected my card to my shocking surprise. Later on I learned that my credit card and it's all services were handed over to Comenity Capital Bank ( the new merchant ) without my consent. I made a phone call to the new merchant who was now handling my credit card service and he assured me that I will not be charged the late fee at this time if I made the full payment of the " amount due '' ; because he understood my situation. I made the complete payment of balance and he assured me I am all set and nothing is due on me. After 1 or 2 months between XXXX and XX/XX/2022 the new merchant kept on charging me late fee, thereby violating the communication I had with the merchant. I asked them to get the record of the phone call and make sure the agent clearly told me that I will not be charged any late fee or interest, but they said they did not have the record while clearly on the start of the every phone call the hair a voice saying the call will be recorded. They kept on increasingly charging the late fee of non-payment of the unfair late fee. 
Despite knowing it is unfair, I made the payment of all those wrong charges in order to stop the chain reaction of the late fee of the wrong late fee. 
I made several phone calls to them asking them to resolve the issue and pay me back all the wrong charges they did. There was no response for many months. The biggest XXXX I have right now is the loss of my almost XXXX points in my credit score XXXX them reporting to the credit bureau of my non-payments which were unfair and already wrong. The total wrong payments, if I remember correctly, are under {$100.00}. But I repeat my biggest concern is the loss of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my Experian report and found out that XXXX XXXX XXXX had put the account back on only my Experian credit report. It is not back on XXXX or XXXX I never received any letters from them or Experian letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute  letters to Experian and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.
Product: Student loan

Navient took all of income tax refund. XXXX. 5 months to date and still have not applied it to the loans. They continue to charge late fees and interest. With the XXXX, XXXX of the loans could have been completely paid off. I dont believe I am responsible for late fees or interest since they have had the funds all along.
Product: Credit reporting or other personal consumer reports

I noticed after looking at my credit report that I had a few hard inquiries, that I didnt recognize. I have not given anyone permission or any form of authorization to run my credit report. Could you please remove this from my report. I have no knowledge of any of these accounts. These inquiries involve identity theft and must be removed no later than 4 business as per U.S Code 1681c-2. Please and thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Following Accounts XXXX XXXXXXXX XXXX {$1600.00} No account number listed on report XXXX XXXX  # XXXX # XXXX XXXX XXXX XXXX  {$72.00} # XXXX XXXX # XXXX XXXX XXXX XXXX {$16000.00} # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Documentation of Investigation Procedures and Results - Complaint # XXXX To Whom It May Concern : I am reaching out regarding my complaint ( # XXXX ) to formally request detailed information on the investigation conducted by Equifax concerning the disputed XXXX XXXX account ( account number : XXXX ). As this account is unauthorized and a result of identity theft, I am seeking clarity and transparency on the steps taken by Equifax in handling this dispute. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to certain documentation and information related to this investigation. Specifically, I am requesting : Results of the Investigation : As mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), I request a summary of the investigation results, including any reasons for maintaining or modifying the disputed information on my credit report.

Sources of Information : In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide the names and contact details of the original creditor or any third-party data furnishers involved in XXXX investigation of this account.

Verification Documentation : I am requesting any records or documentation Equifax reviewed to verify the disputed account. While the FCRA requires credit bureaus to obtain information from data furnishers during investigations, having access to these records would clarify the investigative steps taken.

Procedures Followed : Under 15 U.S.C. 1681i ( a ) ( 7 ), I request a description of the procedures followed by Equifax in their investigation, including the specific steps taken to verify the accuracy of this information.

Notice of Reinsertion ( if Applicable ) : Since this account has been repeatedly reinserted after prior removals, I am requesting documentation on any notifications provided by Equifax as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This should include the dates of reinsertion and the basis for each reinsertion.

I am seeking this information to ensure compliance with my rights under the FCRA and to support the resolution of this ongoing issue. I appreciate your assistance in obtaining these details to clarify the investigative process and ensure that Equifax has fulfilled its obligations under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We submitted a check with a mortgage statement at our branch for our XXXX payment on Friday, XX/XX/XXXX, it was not considered late until the XXXX. Unknown to us, the branch employee misapplied the payment to the wrong account. About a week later we received a default letter for not making any payment on our mortgage. We called the mortgage servicer and they said they would " as a courtesy '' write off the late fee. We spoke to the bank branch manager and she apologized and promised they would back date the payment to the XXXX as it should have been. We received a statement today that shows they still count us as having a late payment. We can not seem to get them to date the payment to the day we made it. We do not want this on our credit as a late payment and we are currently in the process of refinancing so this could really hurt us. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  I submitted documentation to have items removed from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( Experian ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Product: Debt collection

Upon seeing a collection account reported on my XXXX credit report, I contacted, by Certified Mail with Return Receipt, the collection agency called XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ), on XX/XX/2017, regarding a collection account in the amount of {$1800.00}. I kindly requested them to validate the debt and give me more info on it. To date I have not received any response from them. I think the collection company is in default as they did not respond within 30 days time. In fact they never replied to my letter seeking validation and more details on my alleged debt. The collection information still remains on my XXXX credit profile and it is preventing me from moving forward, financially speaking. The collection agencies are very arrogant and defiant of consumer laws. They are under the false illusion that they are all powerful and invincible. I pray that you, the Consumer Finance Protection Bureau will reign on them and limit their power, arrogance and gross disrespect for the law. 

I can be contacted at : XXXX. 

I thank you in advance for your time and efforts in this matter.
Product: Debt collection

A representative from Phoenix Financial Services called me the week of XX/XX/XXXX stating that I owe a {$100.00} medical bill from XXXX. They stated this was a balance for being seen in the emergency room. I told the representative that this was not my bill and that I am a victim of Identity theft I was not seen in the ER in XXXX. I was told by the representative that they would be putting this on my credit report. I told the representative that this was against the law and the Fair Credit Reporting act because I never received anything from them who the debt does not belong to and or whoever else the debt is for such as the ER department that they are stating that I owe from XXXX. I again informed the representative that I never received any type of notice about a debt from XXXX, the Texas statue of limitations is also 4 years and the debt is not mine, I am a victim of Identity theft, with an Federal Trade Commission affidavit and police report on file with all three credit bureaus. I advised them to return the debt back to the creditor as Identity theft victim. Today XX/XX/XXXX the debt is appearing on my credit report and I tried to call them and the number listed online just keeps giving a busy signal so they can not be reached only if they call me and try to harass me to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

re-investigation did not delete this item from my report, just closed it is a violation of the Fair Credit Reporting Act. 

By the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some incomplete and inaccurate items. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they're supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general, if after any investigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item, not close it, that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Debt collection

CFPB XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to file a complaint against Wakefield & Associates , LLC for engaging in unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. 

Nature of the Complaint : Wakefield & Associates , LLC is attempting to collect a debt from me ; however, they are engaging in the following illegal practices : - Unlicensed to Collect in Florida : Wakefield & Associates , LLC is not licensed to collect debts in the state of Florida, where I reside. This violates state licensing requirements and renders their collection attempts unlawful. 
- No Debt Validation : Wakefield & Associates , LLC has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my credit report, which is a violation of the FDCPA.

- No Dispute Opportunity : I have not been given the opportunity to dispute the alleged debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This further violates my rights under the FDCPA.

- False & Misleading Statements : Wakefield & Associates , LLC is using false, misleading, misrepresentative, and deceptive means to collect the debt. This violates 15 USC 1681-S2 ( 7 ) ( A ).

- Unauthorized Reporting to Credit Bureaus : Wakefield & Associates , LLC has reported the debt to credit bureaus without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Additional Requests : - I revoke all rights of Wakefield & Associates , LLC to communicate with me through email, text messages, or phone calls.

- I request debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

- I request a copy of the purchase agreement between Wakefield & Associates , LLC and the original creditor.

- I request proof that Wakefield & Associates , LLC is licensed and bonded to collect debts in Florida.

Desired Outcome : I request that the CFPB investigate these violations and take appropriate action against Wakefield & Associates , LLC. This action should include : - Ordering Wakefield & Associates , LLC to cease and desist from all further collection attempts until they comply with the FDCPA and state licensing requirements.

- Ordering Wakefield & Associates , LLC to remove the inaccurate collection information from my credit reports.

- Awarding appropriate damages for the harm caused by their illegal practices.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Product: Consumer Loan

In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.
Product: Credit reporting or other personal consumer reports

Equifax is causing harm to my consumer report by not accurately reflecting my consumer credit score. Equifax is in the business of furnishing consumer reports based on my relationship with my creditors. My creditors have stated and Equifax that they are reporting accurate information if that is so why is there no risk score available if based on the same information the other XXXX reporting agencies have. 
credit score Primary tabs A credit score is a number between XXXX and XXXX that serves as a numerical representation of a persons creditworthiness. The higher the score, the better an individuals chances of securing a loan since a higher score suggests a greater likelihood that an individual will repay a loan on time. 

The score is calculated based on an individuals credit history, which includes the number of open accounts the individual has, his/her repayment history, and the amount of debt the individual has ( see also credit report ). 

The XXXX score, created by the XXXX XXXX XXXX, is the most commonly used credit scoring system and is currently used by 90 % of top lenders. 
credit report Primary tabs A credit report is a detailed written account of a consumers credit history, as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses, Social Security number, and employment history ) as well as their history of loans, credit cards, bills, accounts, payments, bankruptcies, and credit searches. 

Lenders use credit reports to determine each loan applicants creditworthiness. In order to obtain these reports, lenders are required to follow the procedures laid out in the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that each of the XXXX credit report bureaus ( Equifax, XXXX, or XXXX ) must supply consumers with a free credit report once a year. The XXXX also entitles consumers who are on welfare, unemployed ( and seeking employment ), victims of identity theft, or subjects of adverse action ( such as denial of credit, insurance, or employment ) to a free credit report from each of the reporting agencies. 
XXXX XXXX XXXX XXXX is the acronym for XXXX XXXX XXXX, as well as the name for the credit scoring model that XXXX XXXX XXXX developed. A XXXX credit score is a tool used by many lenders to determine if a person qualifies for a credit card, mortgage, or other loan. XXXX scores also determine the interest rates a person would pay or their credit limit. Higher scores generally correlate to a better likelihood of getting a loan, and better interest rates for those loans. Scores range from XXXX to XXXX. A score below XXXX is deemed poor, and persons with this score are viewed as risky. A fair credit score is any between XXXX, good between XXXX, and very good for XXXX. Those with an XXXX or above are deemed exceptional.
Product: Credit card or prepaid card

I had a credit card with XXXX which was with Comenity Bank which I closed and was paying on the balance. The account was closed in XX/XX/XXXX. At some point it switch to Bread Financial, with no notice to me. Bread Fianancial decided to open the credit card account back up without my permission. I had absolutely no knowledge. I paid the balance in full in XX/XX/XXXX and never heard anything from them. Now in XXXX they send me a bill of {$47.00} and charging me money when the account was paid in full. It appears that at some point during the transfer they have done this to many customers and are now charging them. I tried to talk with their rude and unprofessional customer service but they only want to continue to charge me.This account was closed by me and I did not authorize for them to open it up. I had no idea that they even exist since no notice was ever sent to me.