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

Four times Wells Fargo Auto has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it happens.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 XXXX XXXX ACCOUNT NUMBER : XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX ACCOUNT NUMBER : XXXX Balance : {$0.00} These accounts have resulted in fraudulent collections and charge off appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and charge off as reported. The aforementioned accounts, collections, and charge off appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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, credit repair services, or other personal consumer reports

Please remove this account from my credit report. The Balance is incorrect. Transunion has it as {$14000.00} and XXXX has it as {$14000.00} The High Credit balance is incorrect. Transunion has it as {$13000.00} and XXXX has it as {$10000.00}. The Past Due amount is incorrect. Transunion has it as {$14000.00} and XXXX has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reportedly compromised my SSN, name, birthdate, address, drivers license numbers and credit card information. This occurred due to the Equifax inadequately secured this information in there database allowing this vulnerability to be accessed and made publicly available. Information about the breach was announced on Friday XXXX XXXX, 2017 and currently the company has only allowed me to view the information that my information is compromised.
Product: Credit card

On XX/XX/2015 I contacted Capital One credit card company to get a full pay off balance on my accounts and to close the accounts.They gave me a full pay off balance which I knew to be double the amount owed.Against my better judgment I payed off the accounts approximetly $ 2300.00.within 14 days I received a refound of {$510.00} I promptly contavted them they assured me I was owed the refund.I cashed the check and within 14 days received a letter from them stating I owed them {$510.00} due to an error in their record keeping.I called them and contacted them in writng telling them wht they were attempting to do was fraudulent and they could be held liable, and they responded by laughing and mocking me.I fully understand credit card companies feel they are above the law and maybe they are but this is not rite.accounts were ending in # XXXX and XXXX.Please help.this cant be legal.
Product: Debt collection

I opened a auto loan with Carmax in XXXX, I called in XXXX and talked to a representative trying to settle the debt. I asked for a copy of the contract to be sent to my current location in which I never received. Also, I was told that they couldn't locate my account. Under the FCRA sharing my information without my authorization violates my right to privacy. Now it is unclear who I owe for the debt that's reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : XXXX, Bankruptcy XXXX  XXXX-dismissed Reference number : XXXX and XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts 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 these 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

I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the  secretary of state which shows i have no lien placed against my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries for credit cards And loans. I had my wallet stolen like 12 months ago ever since then people have been getting or trying to get things in my name.
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. 
Bilateral Credit Corp. LLC 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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX
Product: Debt collection

DEAR EXPERIAN! 

The company XXXX XXXX XXXX ACCOUNT # XXXX has been harassing me with letters, phone calls, etc. With numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via mail. This company is only reported on Experian. I need this account to be removed from my consumer report. It is causing me stress and making my life so hard to with this account on my consumer report. I have asked them to send me an agreement with them where I had signed a contract with them and they send me something in the mail that I don't even understand what is it. I NEED THESE PEOPLE OR DEPT COLLECTOR TO DELETED FROM MY EXPERIAN CONSUMER CREDIT.
Product: Credit card or prepaid card

I opened an interest free card through XXXX XXXX with Synchrony Bank. I had a 1year interest free promotion where if I paid in full by XX/XX/XXXX I would not have to pay any interest. 

I called on XX/XX/XXXX at XXXX XXXX and spoke with customer service for 14 minutes and 8 seconds. During that call I explained I was calling in to pay my balance in full which was approximately {$1800.00}. The customer service representative PROACTIVELY OFFERED TO ME the option for another 30 days. I did not ask for it, nor did I need it, but she told me that the company always offers an additional 30 days and if it is paid in full there is no interest charged. I accepted her offer. I called again on XX/XX/XXXX at XXXX XXXX and spoke for 18 minutes and 50 seconds where the customer service representative confirmed that Synchrony bank always offers an additional 30 for the promotion and that I would not pay additional interest. 

On or around XX/XX/XXXX I received an alert that my credit had plummeted 18 points because my debt to credit ratio increased. Synchrony bank reported to the credit bureau that my usage increased as a result of them reporting an additional {$750.00} in fees as a part of my balance. I was in the process of getting a loan and could not because of the drop in my credit score and increase in my debt to credit ratio. 

I called on XX/XX/XXXX at XXXX XXXX and customer service had me on hold for 59 minutes and 54 seconds. I used my other line to call again at XXXX XXXX. After the first line was disconnected I was on hold on the second line for another 22 minutes and 27 seconds. That customer service representative asked me to hold while they got a supervisor and then disconnected the call. No one called me back. 

I called a third time on XXXXat XXXX XXXX  and spoke with someone for 38 minutes and 45 seconds. He explained to me that he could not correct the incorrect balance that was reporting to my credit. Before they added interest my balance was {$1800.00} with a credit limit of {$2700.00} balance. Because they added the interest to the balance it went to {$2500.00} of {$2700.00} which plummeted my credit score. He stated that he would submit a dispute but that it would take 30 days to come off of my credit. Then he said he submitted a complaint to escalate it and have it corrected by XXXX but that it would only report that it was paid in full, they would not be able to correct that the increase was an error. 

The last issue is that both original representatives told me the full balance was due by XX/XX/XXXX. No one mentioned at all that I still needed to make a payment by XX/XX/XXXX. As a result, they charged me a late fee of {$40.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX  I made a payment to my loan account and prior to that I made a payment not sure what date. That was rejected by NFCU, they stated that happened because my account was closed. My account was and is currently opened I have statement that i can submit if needed. This issue caused me to receive a " 30 day late '' remark on my credit report which will damage future chances of credit approval. 
I would like for NFCU to remove that 30 day late remark from my credit report which is no fault of mines. 

Ive also having same issue with making payment to my NFCU credit card using external account
Product: Payday loan, title loan, personal loan, or advance loan

I just checked my credit and had 2 hard inquiries that I didnt apply for one says XXXX and another says XXXX XXXX I was told to make a complaint with you this is probably because I gave my information to a job that turned out to be a scam now they have all my information
Product: Credit reporting

XXXX, XXXX inquired on my account recently and within a few days of that Inquiry I rec 'd a credit card from an online retailer of consumer products. THIS must be more than a coincidence ... I did NOT request a credit card from any online retailer AND I have destroyed the card and requested the card company to notify all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second time filling a complaint with XXXX XXXX XXXX this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX. not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to block fraudulent accounts on my report from dispute to remove debt buyer XXXX XXXX XXXX XXXX. I submitted a dispute and they have validated the reporting after I submitted a police report and and an FTC Fraud Affidavit. This company is a debt buyer on accounts that I did not open.
Product: Credit reporting or other personal consumer reports

Discover Bank, XXXX, XXXX XXXX : XXXX, This account is fraudulent. I Never authorize this account. Never used the account. Never sign any documents for this account. Never Sing any online document showing my IP Address or location for this account. I never took advantage of this account. There is no proof that attached me to this account. 

I am a victim of fraud and identity theft. There is someone unknown to me that has used my personal information for diverse purposes including but not limited to obtaining financial services, credit accounts, utilities, insurance, etc. Taxes XXXX be filed on my name in my current or other jurisdictions in the United States.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

On XX/XX/2022 I noticed an unknown collection account being reported to the credit agencies. Immediately I took action and demanded the company in question to validate the alleged debt, cease communication directly and indirectly and cease all collection activity until the the alleged debt in question is validated and verified in accordance with federal law. I sent this notice via USPS certified mail ARTICLE # XXXX XXXX XXXX XXXX XXXX it was received on XX/XX/2022 by agent XXXX XXXX. National Credit Systems inc. has violated my Consumer rights as well as my rights to privacy. I Have no contractual obligation to this company and this company should not have my personal information. I did not give consent for this company to contact me or report any information negatively effecting my Credit Rating and destroying my reputation. National Credit Systems claims this account has been investigated and proven to be valid but has not provided any information on how it was lawfully investigated. This company knowingly continues to violate my rights despite my dispute and efforts to resolve the matter.
Product: Credit card

NETSPEND is a fraudulent company, which sells " reloadable debit cards '' at locations such as XXXX XXXX and other big box retailers.

The card is promoted as a " reloadable card '' which would be highly convenient for business owners, such as myself, who have people on the road for extended trips. They could use the card to pay for gas and meals. This eliminates my need to provide them with " credit cards. '' It allows me to control spending. Unfortunately, after loading the card with funds ( maximum of {$500.00} ), the features of the card being promoted are not available. Ex : The website offers a " bank transfer '' as a loading option, but it is not actually available. After a protracted struggle to get a human on the phone, they will tell you the bank transfer feature is no longer available. The only remaining method of loading money is to have the card, in person, at a gas station, who will charge you an additional fee ( in addition to the NetSpend fees ). This defeats the entire purpose of the card- in which you can remotely load the card for your staff on the road. This company also charges a {$1.00} for every transaction, which means just trying to remove the money from the card is going to cost me additional fess. This is the game. They have promised to make a service available, charge you fees and then make the core feature of the card unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | 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 INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX. My family member was handed served paperwork of Citibank trying to sue me on 2 accounts- a Citi Bank Card and Wayfair Card. I responded to a notice I received from XXXX XXXXXXXX XXXX disputing the information and requesting documentation from the original creditor on XX/XX/year>. Which I never received. I have tried to access the Wayfair portal to update my cell number and could not access it. I called to try call and update my contact number and was transferred a ton of times- wanted payment. The minimum payment of both cards were more than could afford and they would not accept anything lower on the website. Wayfair is forced paperless. I can not check my account or verify if this is correct. I was constantly routed through the phone system to personal I could barely understand. This is the second complaint I have written. Thank you for your time.