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

IM DISPUTING AN ALLEGE LATE PAYMENT ON MY CREDIT ACCOUNT FROM EXPERIAN, I'VE BEEN DISPUTING THIS FOR MONTHS NOW, AND I JUST READ ONLINE THAT EXPERIAN HAS BEEN SUED FOR IMPROPERLY NOT FOLLOWING THE LAW AND GUIEDLINES FOR CUSUMERS LIKE MYSELF..EXPERIAN IS NOT READING THE DOCUMENTS THAT ; S BEEN SENT TO CUSUMERS LIKE MYSELF, AND THEY HAVE BEEN PRACTICING UNLAWFUL BUISNESS PRACTICES, EXPERIAN IS THE PROBLEM FOR ALLOWING AND EXCEPTING THIS ALLEGE LATE PAYMENTS AND NOT GETTING TO THE HEART OF THE PROBLEM..IM SO HAPPY THAT THE CFPB HAS SUED EXPERIAN, SO CUSUMERS LIKE MYSELF CAN GET JUSTICE ... XXXX NEEDS TO BE LOOKED AT ALSO ... XXXX ASKING THE CFPB TO ENFORCE EXPERIAN AND XXXX TO REMOVE THIS UNFOUNDED LATE PAYMENT OFF MY CREDIT REPORT... ESPECIALLY DUE TO THE FINDINGS ALL ON THE NEWS AND ONLINE... EXPERIAN NEEDS TO BE ASHAMED OF THEMSELVES FOR THIS CROOKED UNDERHANDED BUISNESS PRACTICES... BUT IM NOT SURPRISED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXs Account number XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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. I have notified Experian, XXXX, & XXXX of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is promptly rectified. 
In cases where delinquency is reported, I insist that the payment date accurately reflect the delinquent period. Any reported late payment was rectified within a reasonable time frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is misleading and damaging to my creditworthiness. 


Regarding the accounts : XXXX, XXXX. XXXX and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

In apprx. 2012, I was scammed by a XXXX romance scammer.. 


This scam was very complex, and I went to the FBI here in XXXX 


I SENT {$10000.00} TO A BANK IN XXXX Tennessee, and the unknown woman or recepient of the {$10000.00} was posing as an Aunt to the romance scam as his Aunt.. 


I SPOKE WITH HER... 

i FOUND OUT SHE HAD A BANKING ACCOUNT AT THIS XXXX Bank but when I called to complain the vice president or manager I can not remeber I am XXXX, a senior female, said that yes this woman had an account but they had closed her account because of multiple complaints.. So I said well wells Fargo wired your client my {$10000.00} and I want it back! My entire savings.. and she said well you sent it it so its not our fault even though they knew! this woman was part of a scam!! 




I KNOW WELLS FARGO IS INSURED AND THEY WERE WRONG TO WIRE IT OR AT LEAST SHOULD GIVE ME BACK THIS MONEY.. 

They closed my account and a bout 8 months ago sent me {$14.00} or some such amount for my inconvenience??? 

So that is part of my story.. 

Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years my identity has been compromised in over 36 security breaches from the following companies : Equifax in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

XXXX  : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank XX/XX/XXXX XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm Misc Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints with XXXX directly, I included a copy of my ID, my FTC report and a letter stating that the identified transactions were due to identity theft. XXXX responded saying that I had not attached a copy of an identity theft report. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Made two separate payments to pay mortgage loan for XX/XX/2023. Paid XXXX to Mortgage loan under " other payment amount " to process partial payment. Did not use principal amount section online at all. Their app never said no partial payments, Confirmation # XXXX on XX/XX/2023. Then made second payment on XX/XX/2023, but processed on XX/XX/2023, for XXXX. Confirmation # XXXX. 

Did inquiry on XX/XX/2023 and was informed that I never paid loan statement for XX/XX/2023 and both checks were applied to the principal and I missed a payment. 

Customer service and Supervisor would not confirm a letter for correction but told me to check online it will show correction. No correction was done online. 

The name of the bank is Fifth Third Bank.
Product: Vehicle loan or lease

In XXXX I called Wells Fargo to bring my account current. I hadnt made a full payment since XXXX. I was told that their was nothing I can do, they were in the middle of pulling some information from the XXXX. My options were to refinance or pay the car in full. Thats it. I tried to refinance multiple times but I couldnt because of my credit. 

Fast forward to XX/XX/XXXX, Wells Fargo called me. They said my options were to reticent, or sell the car to a dealership or to make four payments to pay it off or to pay the car off. I was never told about the selling the car option, I told the person to pull up the notes from my last conversation with them. I was never told about selling the car, I was told two options and thats it. In which I started the process of filing for bankruptcy and talking to an attorney. 

I feel Wells Fargo deceived me. I was so stressed out about how to proceed with the loan, if I was given the option to sell the car I would have done it immediately when I could have gotten the most worth out of it.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I saw that there was an account that was not reporting accurately. It showed that there was two late payments on an account that was actually paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account was not late on payments, and I have attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments to be updated to " Paid on time '' immediately. Thank you for your understanding and rapid action.
Product: Credit card

I filed a CFPB identity theft repot on XX/XX/year> along with a police report after I was made aware of Identity theft. I disputed the charge of XXXX Wells Fargo then sent a letter stating they were up holding the charges and found that I had loaned or given permission to charge on this account. I then disputed the charge again providing again police report signature of affidavit and invoice showing purchase was picked up at XXXX XXXX XXXX location. Wells Fargo then came back and stated that signature on the in was VERY similar to the declaration of fraud the purchase was delivered to your address and the claim was processed appropriately I again filed yet another dispute again requesting that Wells Fargo review invoice showing items were not delivered to me. At this point I felt Wells Fargo had grossly miss handled this fraud investigation not looking at the mounds of evidence presented to them by me police reports affidavit of signatures FTC identity theft report invoices showing purchase was picked up at a ware house some 80 miles away. I was forced to seek out an attorney for a case that had been grossly miss handled. Wells Fargo went as far as accusing me of falsifying police reports. I want Wells Fargo to Fully investigate the miss management of this case I want full reimbursement of attorney fee 's of XXXX. Wells Fargo has since found in my favor how ever still reporting late payments and a balance on all my credit reports. XXXX XXXX Escalations Rep assured me this would be investigated when I spoke with him and he assured me Wells Fargo reversed its decision yet I still show 120 days past due. This should have never been so grossly miss handled that I had to seek Legal Counsel to resolve this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Upon applying for {$1000.00} XXXX XXXX XXXX XXXX decided they would no longer take credit card or debit card payments when it came to the first payment. They are currently paying XXXX XXXX dollars to the FTC for this actual fact they did this. Now XXXX XXXX has sold this account to Jefferson Capital Systems LLC and is taking me to court on XX/XX/XXXX. I tried to settle out of court with them for {$300.00} dollars and they refused stating that they needed {$1000.00}. The overall debt was less than XXXX but because they loaded me up with late fees plus a fee for writing the debt off. I had at the time to cancel my bank accounts due to the identity theft. More than willing to show proof of Identity theft and since my ssn and everything else is compromised I am willing to show you whatever you want. XXXX XXXX sold my debt to them without my consent. Another company now has my information that had no permission to be given. I can't verify it is actually a debt of mine since it was so long ago. 

Meanwhile in XXXX I have experience Identity theft. I have filed a police report and everything. I am a XXXX veteran who served XXXX  years in the XXXX XXXX  XXXX XXXX. I was willing to pay for my original debt, but they refused payment. 

This isn't the first company that has sold my information and debts. I have always been willing to work with my actual debts but due to the misinformation that XXXX XXXX led me to believe I couldn't pay with credit card or debit card. I have attached the web page that shows this problem. 

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

I am in the process of buying a house and I would like to file a complaint against these below due to defamation of character and my livelihood. Furthermore, it is against the law with law 15 USC 1681. 

Hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXX- charge off capital one- charge off XXXXXXXX XXXX XXXX- agency name ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- agency name ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company.

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXXXXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with XXXX before a 30day late. XXXX XXXX reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with Transunion. 

I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau. 
To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead XXXX and the credit bureau continue to report a history with a final 60day late as of XX/XX/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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 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 an 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 or 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

On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Product: Debt collection

I had fallen behind on my auto loan. XXXX XXXX XXXX hired a privet investigator to get the vehicle back. He called me i cooperated with him he told me that he wanted to come and take the truck so they could sell it. I asked well what happens if they do not sell it for the amount i owe do i have to pay that he told me no i would not have to pay that amount. I told him that i wanted to talk to my father and i also wanted my father to talk to him as well. My father was willing to help me get caught up. The Investigator that was hired by XXXX XXXX  XXXX  told me and my father that we would be better off just letting him come and get the vehicle and that i would not have to pay any amount that was not recovered at the sale. Well now they are after me for {$12000.00} that they did not get in the sale. They steered me away from trying to cure my default and they lied. They have sent this matter out to a collection agency and now they are after me. They have also not verified my request for debt validation completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid and full company agree to delete negative account off my report over 6 years ago. the company lied and am still dealing with issues on my credit due to account after i paid my money to pay off the debt.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 have summited a police report identity theft report and a signed notarized affidavit to Bank of America and the Credit Bureaus of a fraudulent account in my name. I have tried call Bank of America to clear this matter but have only been transferred to several department with no clarity of removing this account, I have sent all documents by fax and mail provided by bank of America XXXX XXXX XXXX XXXX az XXXX fax XXXX
Product: Debt collection

Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about XXXX XXXX crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities