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

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Money transfer, virtual currency, or money service

I was scammed into wiring {$52000.00} to JP Morgan Chase to account XXXX XXXX XXXX XXXX XXXXXXXX in New York through my bankXXXX XXXX XXXX XXXX XXXXXXXX, CA. A few hours after wiring the funds, I issued a recall of those funds. Chase bank, routing # XXXX, did not recall the funds.
Product: Mortgage

I applied for a mortgage loan with Wells Fargo. The loan officer and processor engaged in what I felt like was redline. The agents of Wells Fargo intentionally tried to misrepresent my income by excluding parts of it and not utilizing normal standard in an effort to Imitate and discourage me from applying for home long through Wells Fargo. It makes me wonder if they have engaged in these deceptive acts before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX DEPART ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to get Transunion to put my FICO score back to at least XXXX. They just keep gaming the system.
Product: Credit reporting or other personal consumer reports

There are inquiries that I don't recognize on my report and I extremely disappointed. I have never permitted for these inquiries and these companies have just decided to pull them up without my authorization. I have reached out to Experian about this information and I have not heard from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOUTHWEST CREDIT SYSTEMS- XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY.
Product: Mortgage

I been paying this conpany every month and, the company select porfolio service states that i missed a payment .the company is trying to charge me XXXX us dollars for a payment that i never missed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple inaccuracies in the reporting of my Westlake Financial account, which directly violates the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide complete and accurate data, while FCRA Section 611 ( 15 U.S.C. 1681i ) requires a prompt and thorough investigation of disputed information.The issues include : An incorrect date opened, An inaccurate high balance, An erroneous status and account status, A falsely reported past due amount when none is owed, An incorrect last activity date, These inconsistencies fail to reflect the true history of my account and must be corrected. I request that you immediately investigate these inaccuracies in accordance with FCRA guidelines and update my account information to accurately represent my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid and held an account with XXXX to monitor my credit reports with TransUnion, XXXX XXXX XXXX. I recently applied for a new apartment and they ran my credit through TransUnion. The TransUnion credit report reported a criminal/traffic conviction for an open container with a filing date of XX/XX/2003 ; yet my account with XXXX never registered any of this information. 

I have disputed the information directly with TransUnion and I received confirmation that this negative mark on my credit would be deleted. 

I have provided the Consumer Financial Protection Bureau with a copy of the report in order to bring attention to the systemic practices of linking incorrect information on ones credit report solely based on a persons name without maiden name, age, birth location, social security number. There should not be negative records assigned to multiple credit reports solely based on a common name without identity verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. 
You, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
account ending in XXXX. 
I was never late on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural XXXX XXXX XXXX
Product: Student loan

XX/XX/23 - Called to receive an update on my loan consolidation request and the status of my SAVE application from XXXX. Was on hold for 1 hour and 15 mins, then was informed that the SAVE application portion may not have been completed properly and to wait for the loan consolidation to complete before submitting another application. 

XX/XX/23 - Submitted another SAVE application, after being informed that the first one was not completed properly. 

XX/XX/23 - Called to receive an update on my SAVE application as it had been past the 10-15 day processing period and they had received all required documentation. I had not received ANY communication from Nelnet. I was on hold for 1 hour and 30 minutes, then I was told that I should have received an email and a letter in the mail stating that it would be up to 20 days now due to the high demand ( for which I received neither ). 

XX/XX/23 - Called to receive an update on my SAVE application as I have not received ANY communication from Nelnet on the matter. The website says that the application has been completed, however there is no change to my loan payment or status. Was on hold for 2 hours, then was told that it would be 30-40 days to get any information.
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I sent out letter 's asking to please to verify the assumed account, they just keep sending out verified. I will enclosed documents.
Product: Credit card

I purchased a knife from XXXX but they sold me a counterfeit XXXX knife so I asked them for a return label through email on which they replied they are doing full refund but after XXXX days when.no refund I contacted Barclays Bank to do a dispute but they denied my dispute of {$190.00}. I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Product: Checking or savings account

I believe PNC bank committed fraud because when I opened my account, I was informed that I was in a loyalty program and rewards meaning when I made certain purchases I would receive points, rewards, etc however, I never received anything and I made lots of purchases every month using my debit card.
Product: Credit card

I have a Wells Fargo Health Savings Account through my employer ( I am on a health plan that qualifies for a HSA ) and have a debit card for said account. The problem is I just received a letter regarding " amendments to your credit card agreement '' for " account ending in XXXX '' which does not match any of the accounts I know I have and I never applied for any credit card with Wells Fargo ...
Product: Checking or savings account

I have banked with Wells Fargo for several years. Today XX/XX/2021 at XXXX est I called. I am tired of them taking money from me when they are not authorised. I spoke with a banker who said she was unable to reverse my overdraft fees and that the Wellsfargo employees were able to view a different statement other than the one I am able to. I expressed my concerns. I felt it was manipulative that they are able to charge fees for things I am not able to view and continued to justify that I need to pay attention to pending charges they can see but I can not. My account was not in the negative however I was charged a {$35.00} over draft fee that in fact made my account negative. So although I placed funds into my account for other charges not to be negative I was then accessed another overdraft fee. She transferred me to her supervisor named XXXX. He initially stated he was only able to reverse 1/2 overdraft fees that were incorrectly accessed. I had funds to cover my transactions. Unfortunately my account was negative due to an error on their accord. They refused to accept responsibility. My account is currently still over drawn. When I sat on the phone for an hour and XXXX stated that both charges would be reversed and they were not. I am completely over Wellsfargo at this point. They are thieves. They justify fees based off of account details their customers do not have access to. They will over draft you then overdraft you then overdraft you. I am closing my account next week.
Product: Mortgage

I tried I wanted to modify my home and Ocwen had me wait for almost 24 months and it was never granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not authorize the inquiries to be on my credit report 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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in myaccount to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed i had fraudulant activity on my report
Product: Debt collection

Subject : Complaint Against Moss Law Firm for Violation of 15 USC 1692c Description of the Problem : I am filing this complaint because Moss Law Firm violated the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c, by engaging in improper communication practices. 

On XX/XX/year> and XX/XX/year>, I requested in writing that Moss Law Firm cease all communication with me regarding an alleged debt. Despite this clear and lawful request, they continued to contact me. This behavior constitutes a violation of my rights under the FDCPA, which explicitly prohibits debt collectors from communicating with a consumer after a cease communication request has been made, except in specific circumstances. 

Details of the Violation : Dates of contact:XXXX  Methods of contact : Letters [ Phone calls, emails, letters, etc. ] Details of communication : Denial of any inaccuracies regarding my account and failing to provide information validating the debt. 

Outcome Desired : I request that Moss Law Firm immediately cease all communication with me regarding this matter as required under 15 USC 1692c. Additionally, I ask that the CFPB investigate this violation to ensure that Moss Law Firm complies with federal laws governing debt collection practices. 

Supporting Documentation : I have attached copies of my written cease communication request, proof of receipt ( if available ), and records of subsequent unauthorized communications from Moss Law Firm to substantiate my claim.

Thank you for your attention to this matter.
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 XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a 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

Checked my Experian account online. On XX/XX/XXXX, my FICO score had dropped several points- checked to see what had caused it, no reason listed ( all data is the same as last month ). Logged in to check both XXXX XXXX and XXXX accounts- both have same information as Experian. Both credit scores are the same as they were last time a logged into them.

Called Experian on Monday, XX/XX/year> at XXXX. Was on phone with a representative for XXXX minutes ( don't have his name ). 

Experian employee could not explain what had caused the score to drop, and was not willing to transfer me to a supervisor, or file any corrective action form to investigate what had caused the change in score- even though two other credit reporting agencies had the same data, and their scores had remained the same.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.