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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

WESTLAKE FINANCIAL SVC XXXX Balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts reporting late payments which are inaccurate. Companies are XXXX XXXX XXXX XXXX 1 LATE PAYMENT NORDSTROM/TD BANK USA 2 LATE PAYMENTS XXXX XXXX XXXX 3 LATE PAYMENTS ALSO inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong person hands
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) Due to inadequate customer service and unfair practices, which violates the customer Financial protection act ( CFPA ). Specifically cash app failed to take Timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress of these violations
Product: Credit card

Capital One was directed to deny all calls requesting the account to be unlocked. XXXX weeks has gone by and after submitting photo identification and providing all pertinent information they are still not unlocking the account which is now past due and they refuse to help. I had bills that were linked to the card which are now past due causing me substantial late fees and having utilities shut off. I attempted to use the card and every time is gets flagged for fraud because of some spiteful law enforcement and a few other nasty indiviuals calling and telling capital one that the primary account owner is incompetent as they sit here and steal from him. Capital One is discriminating based on a third-party 's slanderous lies. The total damage caused by this discrimination is almost XXXX XXXX dollars including late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the XXXX credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We made timely electronic payments through Arvest Central Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. 
We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX  and XXXX  a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state 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. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to and consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

WELLS FARGO. Have charged me {$21000.00} of unpaid second principal balance. Which I do not know nothing about. I never took out a second mortgage. And I have always pay my mortgage on time. I would like for Wells Fargo to remove this obvious erroneous bill from my mortgage statements. On top of the fact they took out several unauthorized payments from my bank account 2, to 3, payments a month. Forcing me to take away auto pay from them. Please help me to recover this payments. Thank you.
Product: Mortgage

Follow up to my complaint XXXX. I still do not have proof that the returned monies from XXXX XXXX, MD have been credited to my escrow account. I need written proof that these monies have been returned to my account. New complaint : I have XXXX escrow analysis, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, none of which are correct. They all have incorrect information on them stemming from the original problem.
Product: Credit card

I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..
Product: Debt collection

On XX/XX/XXXX, I received a debt collection mail at my new address notifying me about a XXXX bill of {$3900.00} that I allegedly owed on XX/XX/XXXX. However, this letter, was dated XX/XX/XXXX. The debt collection company, Convergent Outsourcing , Inc., made it known that I had the option to dispute the debt. The debt collection letter states that " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe debt. '' On XX/XX/XXXX, I took that course of action and sent a debt verification letter via certified mail. According to USPS tracking, Convergent Outsourcing , Inc. should have received my letter on XX/XX/XXXX. 

Today is Thursday, XX/XX/XXXX. I have not received any response from Convergent Outsourcing , Inc. regarding debt validation. However, the collection information was sent to credit bureaus, which has damaged my credit score dramatically. Therefore, Convergent Outsourcing , Inc., has violated my rights and the terms of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called

15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.
Product: Debt collection

Approximately in XX/XX/2018 my contract with XXXX had expired. All payments were made and i was no longer in need of starting a new contract. I advised XXXX to cancel all services. XXXX then sent an early cancellation fee to collections
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account.

4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report 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 about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] 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- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately BULL CITY
Product: Credit card or prepaid card

As a follow-up to CFPB complaints # XXXX and XXXX, I am submitting an additional complaint, as the Company has failed to fully reply to my concerns and requests, and there are remaining issues. Please see attached letter for complete details. In summary, the Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act.
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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX  Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

SANTANDER CONSUMER USA claim that I owe them for a car loan and they have not shown me any proof that I owe this alleged debt.They claim I owe {$12000.00}. It was was sold to XXXX XXXX XXXX XXXX who I gave a call to about this alleged debt. They told me they do not have anything in their system saying that I owe this alleged debt and I would have to contact SANTANDER CONSUMER USA. When I contact SANTANDER CONSUMER USA they claimed that I do owe the this alleged debt which is defamation of my character on my credit report. This is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX Equifax are in violation due to not responding back in time. I am kindly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, XXXX and Experian. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 


I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today because Im in shock how poor attention my credit reporting has gotten. After reviewing my credit and the FCRA, I must bring this to your attention the following items that should be removed immediately according to the FCRA. According to 15 usc 1681a ( 2 ) ( B ) The accounts US DEPT OF EDUCATION and DEPT OF ED / XXXX should be excluded from my credit report. The Credit reporting agency is preforming unfair practices I now can not get a mortgage because of these accounts showing on my credit also I never gave credit reporting agency written consent to disclose my personal information according to 15 U.S. Code 1681b ( 2 ). The credit reporting agency is giving me a hard time resolving this unfair situation.
Product: Credit card

The issue is with CareCredit/Synchrony Bank XXXX We received a monthly statement with closing date of XX/XX/year>. The statement shows a balance of {$1200.00}, a payment of {$50.00}, interest of {$11.00}, and a new balance of {$1200.00}. We paid the new balance due of {$1200.00}, and the bank shared that they received that payment on XX/XX/year>. We subsequently received a new statement with a closing date of XX/XX/year> which shows a previous balance of {$1200.00} and the payment of {$1200.00}, which zeroed out the account. However, the statement showed an interest charge of {$5.00}. When I called the company today ( XX/XX/year> ) to question why we were charged interest on a XXXX balance, I was told that any payment made over {$500.00} results in a hold on the account and that while our account was on hold for review, we were charged interest. My issue is not with the {$5.00}, which the agent I spoke with removed from our account. My concern is with this practice/policy. How many consumers are paying off their balance resulting in the same " review process '' and corresponding interest charge? I think of all the people who, unlike me, don't bother calling and questioning, and end up paying this added interest that shouldn't be charged. If this policy is allowed, shouldn't the company have a system to automatically flag these added charges and remove them or provide a refund? Otherwise, Synchrony is pocketing money that they shouldn't.