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

My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) and the XXXX Credit Bureaus ; XXXX, XXXX, and Equifax. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), Equifax ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between Equifax and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile immediately.
Product: Credit card or prepaid card

I have a Capital One card I did a cash advance for XXXX and have a purchase balance of XXXX .I paid XXXX towards my bill and called to pay off my cash advance they would not take my money asked to speak to a supervisor and they would not take my money. I'm getting charged twice on interest and was trying to pay my cash advance which was XXXX. They will charge me twice on interest until I pay my whole balance off how is this ok. With the Card act it says they can't deny me payment .They are Charging twice in interest what can I do is this legal..XXXX ( XXXX ) XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX  XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
Product: Debt collection

On XX/XX/2019, a representative, XXXX XXXX, of Phillip Cohen Associates located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours Eastern Time and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as 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 I request that my current address be updated accordingly.

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

My complaint submit : https : //XXXX.consumerfinance.gov/XXXX  1. Friday,  XX/XX/XXXX, XXXX MT, message received from XXXX XXXX ( XXXX ), caller id XXXX. 
He was hard to understand from the message. He purposefully mumbled his name. 
Said he was from " Northwood ( garbled words ) ''.  This incoming message is still on my voicemail. 
XXXX said in his message that he was conducting a background check on a person I knew. 
He left a call back number which was nine digits, " XXXX '', later I discovered he neglected to speak the first digit, the real number is XXXX. He said he was conducting a background check and needed to ask me some questions and please call him back. At this point calling him back would not be possible because he gave me a partial number. 
2. I was concerned, annoyed, and curious. So I did an internet search, not much luck. 
3. I called the number of the callerid from the first call, XXXX, and spoke to " XXXX? ". 
I asked about the call I received from " XXXX '', she said I must have the wrong number, and that they do not do that sort of thing. I asked her what her company was, she hung up on me. 
I did not have the wrong number I called the number that called me. 
4. I called back, same number, XXXX. AFter a few beeps and dead air, I was transferred to XXXX. 
XXXX confirmed he called me, his name was XXXX XXXX, not " XXXX '', corrected his return phone number was XXXX. He started asking questions. I told him that he called me, that he knew my name and phone number, and that I will not answer any questions until I knew a little about him. I asked him what kind of " background check '' are you doing. 
He said " I am going to end this call now '' and hung up. 
5. Slowly I figured out they are a collection agency pretending to do " employment background checks ''. 
Website https : //northwoodassetmanagementgroup.com phone XXXX. 
When I called this number, the person who answered was a third new voice I had not talked to yet. 
He immediately knew who I was before I spoke even though this was a new number and a third person unknown to me. He must have gotten my information from my called id. 
He insisted I tell him everything I know about a person I care about. 
I asked him if he was a debt collector or a government agency doing a background check. 
He did not answer. I asked him to repeat his name. He said hold on a second and hung up.
Product: Debt collection

Western Shamrock out of XXXX Texas at XXXX continues to contact my employer after my boss has informed them not to on more than one occasion. I work for a district court, XXXX XXXX XXXX XXXX office. The district clerk herself XXXX XXXX already spoke with someone there and told them not to call again. This is a courthouse.
Product: Debt collection

Well i let the company know that i wasnt responsible for anything because when my mom was here she had got a lot of stuff in my name after she passed away i tried to explain to the company about but nobody wants to listen to be so please can you take this off
Product: Credit reporting or other personal consumer reports

I sent a XXXX  report on XX/XX/year> demanding a a correction to my credit report due to the non compliance from ( original creditor ) XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX for inaccurate credit reporting in violation of the FCRA LAWS Date opened : XX/XX/year> Balance {$1600.00} Account # XXXX According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. 
These shall be excluded on consumer reports. 
You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

They failed to do such and comply so I demand this fraudulent account be removed from my credit report.
Product: Credit card

I received an email from Wells Fargo on XXXX XXXX, 2016 that my overdraft protection Credit Card needs to be activated by XXXX XXXX, 2016 else my overdraft protection will be lost. As I solely use this card for overdraft protection, I never activate it and shred it immediately when I receive it. I called Wells Fargo customer service to try and deal with this issue, and explained to the representative that the card is not stolen/lost. The representative then said he needs my full Social Security number ( which was suspicious ), but I provided, and then he said your new account/card will be mailed to you within XXXX7 business days and immediately hung up. I did not request a new account, and did not give this Wells Fargo representative permission to open a new account, but it appears he did anyways. I am filing a formal complaint with Wells Fargo themselves, but want this type of behavior to stop and would like to file a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. While reviewing my records, I noticed several files that do not belong to me. Upon further investigation, I discovered that under Section 605B of the FCRA, you are legally required to remove and delete these items that have been opened as a result of identity theft. The disputed items are not mine. I am attaching the necessary FTC Report, along with the bank 's records, which I learned are required by both partiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX USAA restricted my online access to all my accounts including my auto loan. At the time I was signed up for online billing, however after my online access was restricted I requested physical statements be sent to me immediately, as my auto loan was auto paid from my usaa checking account which USAA subsequently closed. I was told by agents of USAA they would send me the statements over 12 different times. However, as of XX/XX/XXXX over two months later I have yet to receive a single statement. Furthermore, I am unable to access the statements online, thus have no documentation showing what I owe, where and when to send the payment. Most recently I spoke with XXXX from the CEO 's office who informed me I would not be charged a late fee, and nothing negative would be reported as long as it did not go 30 days past due. The loan is already 15 days past due and I still have not received any statements. Even if the statement were to be sent out today there would be no grace period between when I receive the bill and when it is due as required by the fair billing practices act. For some reason USAA has refused to provide me with billing statements for this auto loan, and has refused to allow me access to it online. Furthermore, I get calls every day at XXXX XXXX now telling me it is past due and needs to be paid immediately as it 's past due. Yet they are unable to send a statement.
Product: Credit reporting, credit repair services, 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 605B ( 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 ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX OF XXXX XXXX Owed : {$190.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX A ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

SEZZLE is listed on my credit report as a charge off. I have reached out to them to validate the debt and was told the account is with the Debt collector XXXX and SEZZLE can not help me. XXXX has no record of the account, and referred me to Sezzle. Sezzle stated they would escalate and I never heard back. I did not get any debt validating letters. Debt comes back as verified when disputed with the bureaus.
Product: Debt collection

Ive been a victim of identity theft for many years somebody open this account Ive been trying to Talk to this company to remove this account because it was open with out my authorization with Thats an account from XXXX XXXX XXXX now its on collection And the steel done doing nothing A note on your XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) account This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures.
Product: Bank account or service

I made a deposit with Chase Bank on XXXX XXXX 2015 for my charged off account in the amount of {$440.00} at my local branch. I received a receipt from the branch and did n't have any further communications from the bank so I was led to believe that the issue was resolved. Going forward much later on XXXX XXXX 2015 I had a check mistankly deposited with Chase by a third party ( State of Colorado ). Upon calling Chase Bank I was told that my account was still active, no previous payment was applied, and that they would only be returning XXXX of a check of XXXX. I then provided the customer service representative with the recipient information and was told it would be investigated and would be called within 48 hours. I did not receive any follow up within that period and reached out to Chase Bank one week later. I was then told by another supervisor that she did n't have any information and did n't reveal anything until I told her that I would be filing a complaint with the CFPB. She then told me that they were unable to locate the payment and that I would have to go into the branch with the receipt to have it investigated. I then told her that would be impossible as I am out of the state and the receipt was back in Colorado due to being out of town for a family funeral. I also asked if I could have someone email or fax the receipt and she told me that was impossible. She then told me she would speak with her manager and would call me back within 48 hours which she did n't. I then again called Chase Bank a week later and spoke with yet again another supervisor. I was told by this supervisor that there was nothing that they could do and was extremely argumentative the entire call. He proceeded to tell me that the information that the original representative walked me through to provide off the original receipt was incorrect. I asked to speak with a manager as well as provide the number for the Chase corporate offices which he refused.
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid off my mortgage with Cross Country Mortgage on XX/XX/2023. I have not received any documents from them showing payment of my loan, including Deed of Reconveyance. I contacted them about 10 days ago and still no response. 
I want to make sure that my loan payment is properly recorded and property is clear of any obligation.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I review my credit report and noticed inaccurate information on my report. I disputed the information with the credit bureau and it came back as verified. 
The last status update date shows as XX/XX/XXXX and that is inaccurate and incomplete information. It also has another late payment of 30 days that XXXX  is not even aware that is being reported.
Product: Prepaid card

I ordered clothes from XXXX XXXX in XXXX I never received my order I have a claim with XXXX as well
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my XXXX XXXX and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 
Please delete the following accounts 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit card or prepaid card

Received fraud opened product from XXXX tried working with XXXX said they would send out a return label and still nothing from them XX/XX/2021 N/A credit adjustment XXXX + {$700.00} XX/XX/2021 N/A credit adjustment XXXX + {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$700.00}