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

I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, following all designated instructions. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.
Product: Credit card or prepaid card

I needed to upload the information because there are so many pages of information. I have attached the summary of what happened, the credit card letter, the information of purchasing including the bank charges and then the credit card charges made. The receipts, return receipts and scans of gifts cards are also attached. Also, please look at the seller 's information on tracking. XXXX does not understand why the return is to XXXX because it was shipped from New York ; however, XXXX has to go by what is on the seller 's XXXX account. Screenshots of text from XXXX  as well as the seller. This is way too much money to lose. I hope and pray you can help. We are middle class and do not have this to lose. 
Thank you!
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00}
Product: Credit card

I identified unauthorized charges on my Costco XXXX by XXXX XXXXXXXX XXXX of XXXX XXXX ( XXXX ) number from credit card statement. XX/XX/XXXX there were XXXX charges of {$35.00}, and again XXXX {$35.00} charges on XX/XX/XXXX. I only had one active account at the time and the authorized amount was {$27.00} on my NFCU card. I cancelled that two and am sure XXXX will assist with those charges. Citi is the opposites. After submitting XXXX separate documents in XXXX for the four {$35.00} amounts, I was issued a conditional credit. One was reversed, and the other three stuck. I called Citi after the chargebacks and was assured they would reopen the case. Prior to contacted Citi, I visited the merchant four times, provided the statement and charges and was first told the manager would call, and a week later, no call. I made separate visits, asked to close all accounts as two years prior I had two vehicles, but in separate card. Today I called and found the three reopened reviews were closed on XXXX XXXX. I had requested that the vendor be blocked verbally in XXXX with the agent for CITI, and I had two more charges from the same vendor for {$35.00} each on XX/XX/XXXX. The letter said I didnt have enough proof, and to go and work it out with the vendor. I asked the supervisory agent for help today, and she repeated the letter info. The business is not listed under XXXX  and the number on my Citi bank is fraudulent. I asked the supervisor today on XXXX XXXX to call the number as proof its a fraudulent number on their statement and she point blank told me she wasnt going to do that. Ill love Costco, spend thousands with their visa, even used it for a down payment as I purchased through Costco car buying program. I will be sending to our friends at Costco corporate that Citi is not representing Costcos image properly. Ive only had the card a couple of years, and cant believe vendors properly.
Product: Credit reporting

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.
Product: Credit reporting or other personal consumer reports

At this point I am frustrated with the fact that my rights are being violated and taking advantage of. I know my rights have been violated and you guys are the ones taking advantage of my rights. I am and have disputed the inaccurate accounts reporting to my credit profie. These accounts consist of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed these items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and they are still reporting to my credit profile. Subsequently TransUnion also has an incorrect phone number listed, I have had the same phone number for over 20 years and the number listed XXXX makes me more suspicious that the wrong information is being reported. 
Per my recoreded phone call on XX/XX/XXXX with TransUnion I am to contact these Creditors listed on my account. which is another violation of the law. It is TransUnion responsibility to report accurate information and they are not. 

These companies have optained my information without my knowledge or consent. I would like these inquires removed from my report immediatedly.
Product: Debt collection

On the XXXX of XX/XX/XXXX, I XXXX XXXX XXXX noticed a WELLS FARGO ACCOUNT # XXXX, OPENED ON XX/XX/XXXX FOR {$32000.00} which is Extremely ridiculous because at the time of the date stated the account was opened, I didn't own a vehicle and still to present day I am still without a vehicle. 

I mentioned to XXXX Wells Fargo XXXX that I'm a victim of identity theft and the Wells Fargo XXXX threaten me with calling the police on me if I didn't pay the debt owed. 

I have active XXXX POLICE REPORT ON FILE ALONG WITH FTC IDENTITY THEFT REPORT AND AFFIDAVIT that I've provided and still no help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I emailed all contact departments for Experian on XX/XX/year> stating I have filed formal complaint against Experian for violating consumer reporting laws and failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous reports via email to Experians Chief Compliance Officer, Support Services, and Privacy Department, no corrective action has been taken. 
Experian has engaged in unauthorized investigation reporting, falsely attributing statements to me claiming that I reported certain credit applications as fraudulent or disputed them. As a result of Experians erroneous reporting, XXXX of my credit card accountson which I have an excellent payment historyhave been fraudulently closed. These closed accounts now appear on my credit report, severely damaging my credit profile. This will hinder my ability to apply for a VA loan to purchase a home, directly impacting my financial stability and future. 
I demand that all XXXX of my credit card accounts be reinstated immediately and that all inaccurate comments be removed from my credit report. Additionally, I want to emphasize that I never disputed any of my accounts directly. My disputes were solely against the inaccurate and missing information reported by credit reporting agencies. 
I am also formally notifying you that I have filed complaints with the FTC, CFPB, and the Texas Attorney Generals Consumer Protection Division regarding Experians misconduct. Due to the significant financial burden and mental anguish this has caused, I am considering filing a civil lawsuit against Experian for damages. 
Experians negligence has led to unjust financial hardship and potential long-term consequences. I request an immediate investigation into this matter and expect enforcement actions to ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide guidance on any further steps I should take. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.
Product: Checking or savings account

I lost my debit card on or before XX/XX/. I reported my card lost/stollen when I returned home from my XXXX XXXX. reviewing my online account, finding unauthorized transactions, I notified Chime immediately of the loss of monies. The total amounting in XXXX, which XXXX of that amount was a cash atm withdrawal which should have been returned immediately under Regulation E. After contacting Chime multiple times, I was not given any contact information, case information on the claim or resolution. I explained it was a lost/stollen card and all transactions that were completed while the card was not in my possession should be returned immediately. Chime failed to return my money and kept filing this issue as a merchant dispute rather than a fraudulent unauthorized charge. Chime never investigated and closed my claim several times with no resolve and no monies returned. I contacted FDIC which responded with information on XXXX who oversees XXXX and XXXX. In closing I would like to include a conversation which took place over the phone with someone who described themselves as a representative to the their dispute team and told me I would receive and see those charges returned in my account with in minutes, and it never happened. When I called the next day to check on the status of this conversation, the chime employees said that there was no notes or knowledge of the person I spoke too. Attached documents shows Chime would return the money by XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX Data breach. All is being investigated by the FTC.
Product: Mortgage

IN XX/XX/XXXX, I CALL FAY SERVICING COMPANY AND SPOKE WITH THE ESCROW DEPT. AND I INFORMED THEM THAT I NEEDED AN ESCROW ANALYSIS FOR MY MORTGAGE LOAN THEY REFUSED TO COMPLETE AN ESCROW ANALYSIS. ALSO I REQUESTED AN ESCROW ANALYSIS BECAUSE MY MORTGAGE INCREASED FROM {$1300.00} TO {$1900.00} PER MONTH. 
ALSO IN XX/XX/XXXX I CALLED INTO THE ESCORW DEPT. AND THEY TRANSFERRED ME TO CUSTOMER SERVICE AND CUSTOMER SERVICE INFORMED ME THAT THEY COULD NOT SPEAK WITH ME ABOUT MY ACCOUNT BECAUSE I WAS STILL UNDER A PREVIOUS BANKRUPCY ATTORNEY. 
ON XX/XX/XXXX MY THEN ATTORNEY PROVIDED FAY SERVCING WITH THE DOCUMENTATION TO SPEAK DIRECTLY WITH ME ABOUT MY ACCOUNT AS WELL AS DISMISSLE DOCUMENTS. 
I ALSO CONTACTED THE XXXX XXXX ON XX/XX/XXXX AND INFORMED THEM I NEEDED ANOTHER LETTER STATING THAT I WAS DISMISSED FROM XXXX  AND WAS ABLE TO SPEAK DIRECTLY TO FAY SERVICING AS OF XX/XX/XXXX. 
BUT AS OF XXXX XXXX I HAVE NOT BEEN ABLE TO SPEAK WITH FAY SERVICING ABOUT MY LOAN OR MAKE CHANGES TO MY LOAN. 
ALSO AS OF XX/XX/XXXX, I PAID MY PROPERTY TAXES FOR THE YEAR XXXX WHICH WAS {$3500.00} ALSO AS OF XX/XX/XXXX FAY SERVICING HAVE TAKEN {$3500.00} OUT OF MY ESCROW FOR TAXES XXXX.
Product: Consumer Loan

I am a XXXX XXXX XXXX woman and did not understand the usury interest rates that these people charge I made a transaction for {$2600.00} and have paid them {$2000.00} I have a financial cresis at home and can not continue to pay these usury interest rates for the rest of my life of 500 %
Product: Debt collection

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of State Employees Credit Union compliance. Provide me with the SECU compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I AM DISPUTING ITEMS ON MY CONSUMER REPORT THAT EXPERIAN IS SHOWING THAT ARE EXCLUDED BY LAW. ACCODING TO 15 USC 1681a ( 2 ) EXCLUSIONS, EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ) ), THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. THE ONLY WAY A CORPORATION CAN POSSIBLY REPORT A PAYMENT AS LATE FALLS UNDER 15 USC CODE 1666b-TIMING OF PAYMENTS.THE FOLLOWING LATE PAYMENTS NEED TO BE DELETED : 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXXXXXX 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 - XX/XX/XXXX The following inquiries were not and should not be reporting. 

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 XXXX5 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

XX/XX/2019 My wife was contacted, they proceeded to provide her my SSN so she could verify she knew me, instead of asking her to tell them my last 4 of my SSN, after that they proceeded to goad her by threatening to have us arrested, thrown in jail, seize our licenses, and take away all of our property. When she attempted to explain she isn't a party to this debt as it was accquired 6 years before we got married they told her it doesn't matter, Texas is a community property state and she is guilty of my crimes and she will be punished along with me. I had to give my wife XXXX  last night as she is a XXXX patient and they way they spoke to her made her nearly go into XXXX  XXXX. 

XX/XX/2019 I was contacted originally by this debt collector and informed that it was a federal student loan, which i checked and verified it was not possible with the DOE, I did not have a federal student loan and could not owe on one. I was promptly informed that the government doesn't know what it's talking about and if I don't pay they will take my licenses, my bank accounts, have me arrested, and ensure i can never get another job again by making sure it was known I was a thief. I was told they did not have to provide proof of debt owed because i should have kept paperwork from 10 years ago about a debt I was told I don't need to worry about when the school got shut down by the DOE. I was informed they would be sure to laugh at me in their office for arguing with them and telling them its not a federal student loan. I was pressured into handing them finical information which i promptly canceled, i only provided a debit card to be charged at a later date to get the phone calls to stop.
Product: Credit card or prepaid card

this is a huge fraud Contacting the creditcard company to help they asked for info like my receipt well they are the creditcard company they see the charge, the company locked the account not allowing me to make a copy of the receipt. 
creditcard company asked to obtain a letter from another company stating the price paid was to high? what companty will do that?
Product: Debt collection

On XX/XX/17, I sent a certified letter to ( XXXX ) XXXX XXXX XXXX, in regards to an alleged debt that I owe. I do n't recognize this debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. I received a letter back, showing a total of 3 different accounts from XXXX of Nevada, I have no idea who they are!!! I asked them for written validation of the debt reporting on my credit bureaus for {$36.00}. Now this letter is showing 3 accounts, {$36.00}, {$19.00} and {$19.00}, the letter states all 3 accounts are delinquent and may have been reported to the credit bureaus. I still have n't received the written validation for the alleged debts. In addition, ( XXXX ) XXXX XXXX XXXX has reported this alleged debt of {$36.00} to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on XXXX by XXXX  due to a denied loan. I was told the reason was due to too many inquires, which was strange because I hadnt applied for anything. I was told to contact Sagestream LLC, a company Ive never heard off. Ive tried to call to no avail. Ive submitted all requested information to Sagestream in order to receive a copy of my credit report and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Product: Checking or savings account

XX/XX/year> cash app account was frozen with {$1000.00} in it. I called but couldnt get through.
Product: Payday loan, title loan, or personal loan

I was put on automatic withdraw for payments at onset of Heloc ( line of credit ) in XXXX. I had been and am still paying for it. Original amount was {$20000.00}. I was told it was more later. I can not find proof. 
Then, on XX/XX/XXXX, there were two amounts taken from my account. Both amounts on same date. {$24000.00} and {$19000.00}. I was not notified of the transactions until early XXXX. When I called to set it straight, they said it was too late. But, they never notified me like they were supposed to. I had called several times before but they ignored my complaints every time. They could not tell me who or how that money went out of account. I do not know what is next.