23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX : >In Collection< # 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 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. The above inaccuracy is stopping me from being able to acquire a loan to buy a home.
Product: Credit card

I was denied my right to credit as a consumer. 

AMEX securitize the receivables which are the applications. 

AMEX SEC Filings and prospectus demonstrates the securitizing of the indebtedness. 

I provided AMEX a financial asset and didnt receive any consideration for the security collateral. This is securities fraud. 

Please retract my application or credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already submitted a CFPB complaint XX/XX/XXXX regarding this same issue with EXPERIAN. It is EXPERIAN 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered. Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transaction or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this whole issue, I did NOT give EXPERIAN written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simply not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got hit with a hard inquiry from XXXX. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.
Product: Credit card

A merchant called XXXX charged my credit card {$230.00} twice on XX/XX/ ( totaling {$460.00} ). I did not make the charges or receive any merchandise from the merchant. I disputed the claim. Barclays ( credit card company ) sent me XXXX  two letters stating that they investigated the dispute and determined the merchant provided documentation to prove the charge. I called Barclays, but the agent was not forthcoming about merchant information. The agent did not explain what the charges were for or where the products were mailed. The agent reopened the case, but Barclays has not communicated information. I don't understand why Barclays would not explain their findings. They could have provided the merchant 's contact information but didn't.
Product: Debt collection

Phoenix Financial Services placed two accounts on my credit report. They also sent a letter to my house indicating that the statue of limitation had past and that these accounts were too old to collect thus making them time barred. I disputed both of these on my credit reports. On XX/XX/2021 these were removed. However, on XX/XX/2021 I received a letter stating that the law limits how long you can be sued on a debt. Because of the age of your debt, you can not be sued for it. On XX/XX/2021 it then placed back on there. These debts were duplicates with the same amounts. My rights were violated under the FCRA due to this items being deleted then put back on my account. This company has parked these debts on my credit report and therefore it has caused my credit to go down. The balances are {$11000.00} and {$430.00}.
Product: Debt collection

My niece forged a power of attorney and put me in the VA hospital based on my XXXX and forged a power of attorney, she had someone impersonate me and purchased a home in XXXX. The first mortgage company realized this, but she had a second mortgage and the company insisted it was my debt. They turned it over to Real Time Resolutions who have been hounding and threatening me about a debt when the person who forged the documents was investigated by the Michigan XXXX and the forgery was proven. Police reports were made but Real Time Resolutions still hounds me constantly about this debt that is n't mine. The odd thing is the perpetrator lives in the home which is worth 5 times what Real Time Resolutions has hounded me for, they know who she is, and refuse to contact, sue her or repossess the property which is n't and was never mine to begin with. They are loud, make threats, are harassing, and violate the law. The odd thing is the original creditor knew it was fraud and offered to settle for {$2000.00} to get it off my credit record. I turned them down because it is n't my debt and it 's a secured loan on a property both the original lender and Real time Resolutions refuse to foreclose on. Real Time Resolutions continues to threaten and harass and even called asking me personal information that is illegal.
Product: Checking or savings account

After I submitted complaint # XXXX, Wells Fargo closed my account. Today they responded that they are working on my issue, but they closed my account without letting me know. Wells Fargo owes me money from incorrect charges, and instead of clearing this up, they closed my account
Product: Credit reporting or other personal consumer reports

This is the Federal Trade Commissions opinion regarding this type of account Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I submitted a dispute directly to XXXX regarding my account with Nordstrom/TD Bank XXXX This account has been paid in full as agreed w/ creditor in full and yet is STILL showing a balance. 

This is XXXX 's response " The dispute for the account with NORDSTROM/TD BANK USA that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. '' In this case both XXXX & Nordstrom bank are in violation of FCRA as XXXX. XXXX did not follow reasonable procedures to assure maximum possible accuracy and XXXX. Nordstrom is reporting inaccurate and incomplete information. 

Reasons : XXXX. XXXX was informed by me that this account was paid in full/ settled in full and is inaccurately reporting a balance. This should be very simple to verify and had they followed " reasonable procedures to assure maximum possible accuracy of the information '' this balance, erroneous payment history and erroneous account status would not still be showing there. 
XXXX. Nordstrom reported a settlement payment as a regular payment ( while still leaving all derogatory statuses and late payment ) and a statement balance after receiving a settlement payment bringing the account to a current and final status where there is no remaining collectable debt.
Product: Credit reporting or other personal consumer reports

On several occasions, I have requested that Experian remove the Active Fraud Alert that is on my credit profile and it has not happened. I have been trying for over a year.
Product: Debt collection

My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was in my KeyBank manager office asking for a wire transfer. The wire transfer department denied the wire transfer and then the KeyBank fraud department locked all my bank accounts. I have no money.
Product: Checking or savings account

For years I was charged over draft fees and insufficient fund fees for incorrect items. I was told different reasons each time I would call and found no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person. 
XXXX has not fully removed items that has been removed already.
Product: Debt collection

In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to XXXX XXXX. Last year I had discovered XXXX XXXX had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. XXXX XXXX hired this debt collector, Weltman, Weinberg and Reis- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 XXXX accounts in XXXX and XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. WWR sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of Weltman, Weinburg and Reis Co., LPA on XX/XX/XXXX. Weltman, Weinburg and Reis are reporting this account however was opened in XX/XX/XXXX. Without letting us know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that WWR has double reported these debts and it should be deleted because the current creditor XXXX XXXX has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by XXXX XXXX. We are also working closely with our attorney on these matters.
Product: Credit card

I contacted XXXX Synchrony Bank to see why the account was closed. I was told the balance went unpaid for a couple of months, however XXXX had the wrong address on file to mail statements. The representative said she seen an address change in XXXX in the notes the address wasn't changed correctly. That is an error on the card issuers end about not sending statements to the correct address and not allowing customers to have online access for this credit card.
Product: Vehicle loan or lease

Flagship credit acceptance Corp is a fraudulent company the license needs to be pulled they operate in an attempt at directing any problems as an option for themselves for repossession they say one thing and pledge one thing but they do something different and then they document something amongst themselves in total contradiction of their assurances and actions and then submit that to the agencies to whom they have been reported to dupe and deceive those agencies with grandiose assurances all based on falsehood and document alteration over 2 months customer has been trying to get a call back from an appropriate representative and here it is it's been over 2 months and there still has been no supervisor or appropriate representative to contact the customer but they have well documented that they have the company is a deceptive company that can not be trusted they promised the me that payments were being pushed or put to the end of the loan then another person calls and has no idea about that promise then another person calls back and tells me make a payment and then we'll put the other ones to the end of the term then someone else calls back who says there are no notes but then they start reading on notes which serve an altered version of the companies misdirected agenda a simple problem which covid caused could have been fixed but because of the malingering of this company and its lack of viable contacts although they have a easily accessible number and a pledge as the same they have no supervisor who has called me back yet. A fair resolution would be the company removed from my credit but let a past 30-day payment that they have on my credit and that they honor what they pledge to move the payments to the end of the term and that they have a viable representative contact me.
Product: Debt collection

Monterey collections agency attempted to collect {$2400.00} from me, stating I owed XXXX this debt, dating back to 2011. I emailed them requesting proof and the contract came with the information of the person, with only our names being similar ; first name was n't spelled the same, DOB was 7 yrs apart. I called Monterey collections and the agent stated the problem will be corrected, but it might take 6 weeks. I had a similar incident with them about 3 years ago.
Product: Credit card

I have XXXX disputes going against XXXX with Capital One. They never sent me any of the documentation from XXXX so I could dispute and when I addressed this as a grievous error they sent me XXXX documentation that is completely UNREADABLE. Capital One asked in XXXX paragraphs of a letter sent to me for specific documentation from me and on the same day, I complied. The next day they sent me a closed letter stating I did not send the documentation when I did, I have confirmation from XXXX Capital One dispute people stating they received the documentation. I sent a letter giving them 15 days from XX/XX/XXXX to provide me with all documentation via regular mail, who worked on the dispute, how they came to the decision, readable XXXX documentation and why are they telling me they never received my documentation when they did. I legally have the right to see what XXXX sent with their dispute and Capital One never sent it to me until I made a formal complaint. Today, XX/XX/year> I received another same letter stating they closed the case because I did not provide the documentation they requested, THIS IS AN OUT RIGHT LIE CAPITAL ONE. When you do a dispute with Capital One, it goes into a pool and whomever gets the next paperwork moves it forward so the left hand does not know what the right has done or is doing, THIS IS ABSURD. My rights are being violated with reference to a fair and just dispute AND I HAVE HAD IT WITH CAPITAL ONE AND THEIR MISTAKES. They closed the case without even allowing me to see what XXXX had sent in, I had no recourse to dispute, is this even legal? I want all documentation, I want to know why they sent the XXXX letters stating I never sent them the documentation when I did and I want to know how many people worked on this dispute so I can have all that is necessary documentation and information necessary should I need to go to court. THEY WILL NOT GET AWAY WITH VIOLATING MY RIGHTS AND ITS NOT THE FIRST TIME CAPITAL ONE HAS DONE THIS, IT IS THE LAST, I WANT THEM HELD ACCOUNTABLE AND GIVE ME WHAT I AM LEGALLY ENTITLED TO. Also they record every call but will not allow the consumer to record the call. XXXX  allows a call to be recorded as long as XXXX person on the call knows the call is being recorded and I have XXXX recorded calls.
Product: Credit reporting

I contacted a collection agency named XXXX XXXX and asking them the process to have a collectio removed from the XXXX credit reports. They suggested I contact all threeagencies and request they remove it from my reports. I contacted all three companies and XXXX & XXXX were very helpfull to start the process. Experian howeverwas of no assistance what so ever. I called again to XXXX XXXX and they suggested I write a letter to Experian and that may be of more help. I was hoping you could be of assistance in this process. To explain what happend to have the collection, I was looking into taking classes with XXXX College in XXXX and while we were there I was being shown how to inroll in classes via computer and without our knowing it enrolled in a class. 
I found out about the mistake once it went to collection. The amount was {$100.00} and is paid in full. Please do what you can to assist. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, 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.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 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: Checking or savings account

The company is Regions Bank. They charge my account {$36.00} per overdraft up to {$100.00} per day. My account is set up for direct debit and pre authorization debit card charges which are in most cases less than that. I am being billed hundreds of dollars per month in overdraft fees. I finally terminated my standard overdraft protection plan but still would like a refund of the overdraft fees I paid over the past few months. The overdraft fee is exorbitant and in most cases unintended on my part. This has been going on since I opened the account over a year ago and I would like a refund or reduction of all the overdraft fees paid.
Product: Checking or savings account

I submitted a complaint to you ( XXXX ) on XX/XX/19. It was regarding multiple {$35.00} charges that were debited from my account. The Bank of America has a program that allows clients to withdraw more from the ATM at times than they have in their account. Previously, they would charge the customer {$35.00} for every 5 days the funds were not deposited. A class action suit was filed ( I was not part of it ) which somehow stopped the bank from continuing this practice. Now they only charge one {$35.00} fee for the withdrawal. But they have a lot of my money ( multiple {$35.00} fees ) that they have not returned. If it was illegal I should get that money back. Someone from the bank looked at this complaint and got it mixed up with complaints I had filed on a completely different issue. They told you they had already closed this claim but that isn't correct. They have never contacted me re this complaint. They afre two different issues. Please look at this again. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally and request verification regarding inaccurate or incomplete information reflected on my credit report under my name. Despite my best efforts and multiple attempts through all associated parties to resolve this matter, the issues remain unresolved.

Specifically, I request the following information for the account ( s ) in question : 1. Date of First Delinquency 2. Outstanding Amount 3. Charge-Off Date 4. Date of Last Payment This information is critical to ensure the accuracy of my credit report and to clarify any misunderstandings about the validity of the account ( s ). As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incomplete or inaccurate information and request a detailed investigation.

To assist you in identifying the relevant account ( s ), I have attached a copy of the report in question. If additional documentation is required, please let me know promptly so I can provide it. 


Thank you for your prompt attention to this matter. I look forward to your response.