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

XXXX XXXX - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit card Status Open. 

Balance {$830.00} Balance updated XXXX XXXX, XXXX Credit limit {$1100.00} Credit usage 76 % Monthly payment {$70.00} Last Payment Date XX/XX/XXXX Highest balance {$830.00} Terms - Responsibility Individual Your statement - XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCORDING TO THE USC 1681 I DID NOT AUTHORIZE THE REPORTING OFFICES ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK OR REMOVE THE FILES
Product: Credit reporting or other personal consumer reports

CITIZENS ONE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). CITIZENS ONE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
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, XXXX, XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and have been impacted by identity theft. As a result, unauthorized accounts and inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I had refinanced my vehicle with navy federal bank but I was on training in the XXXX when navy federal mailed me the check, the check was delivered to my home address and I believe my ex wife took the check and cashed it in my business account and spent the money without having any idea about this.I called navy federal to dispute this transactions and cancel the cheque but navy federal still held me responsible knowing the fact that I did not cash or us this cheque which was meant to refinance my vehicle
Product: Credit reporting or other personal consumer reports

I am filing a complain against XXXX for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act,15U.S.C 1681 which mandates a reasonable investigation of disputes.Futhermore XXXX actions may also contravene the Consumer Financial protection Act 12 U.S.C 5536 ( a ) 1 ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/2021, ABILITY RECOVERY SERVICE increase my balance by {$20.00}. On XX/XX/2021, I sent a debt validation. On XX/XX/2021, I received my original contract from the agency & that states that my original account balance is {$870.00}, not {$890.00}. Per 808. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Debt collection

I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.
Product: Credit reporting or other personal consumer reports

I sent mutiple certifed paper on XX/XX/2024 and another set XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1666 B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law 15 usc 1666b 1. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.
Product: Debt collection

I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt. 
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract. 
I requested them to provide me with a copy of the following. 
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S. 
The name and address of the creditor Copies of copies are not validation and by law are not considered proof. 
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored. 
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX
Product: Mortgage

My FHA Mortgage is currently serviced by Wells Fargo. Wells Fargo set up a trial payment modification for XXXX, XXXX and XX/XX/XXXX, where the payments were set at {$1100.00} per month ( see attached ). Wells Fargo collected the XXXX and XXXX payments, but refused to collect the final payment to complete trial loan modification and covert to a permanent modification. Wells Fargo cites that the contract was never signed and returned, however it was sent back via regular mail to the designated address. Furthermore, I notified Wells Fargo via phone that I was accepting the offer, which was requirement within their contract. Per IN Law, oral contracts are enforceable within a two year period, so the contract was definitely valid. Wells Fargo has definably violated IN contract law. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.
Product: Debt collection

They call me at all times of the day and night. They even call me at my work place harassing me. Telling me different things and not telling who they are.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt multiple times. I need debt validation. Back in XX/XX/XXXX you all were supposed to cease collection activity and Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt it needs to be removed from all 3 credit bureaus asap n not to pop up again. Also you guys failed to send me proof n its now 2 months later.
Product: Checking or savings account

I am open an account with Capital one with ITIN number ( Tax Id)  which i was approve for a credit card  and also opened checking account 360 using the tax id  because i was not having social security number by then. recently i received my social security number and i decided to update my record with them and i called them. i gave them the social security number and i was inform that my call will be directed to Fraud Department to speak with a specialist, the specialist ask me to send documents through a link she emailed me , which was my SSN card, ITin Certificate, Passport, Prove of address, My Employment Authorization card, after submitting those documents through the link they provided i was in formed that i will receive a call back to know my status since they suspect fraud and i question her that i am calling them with my phone number on file so what is fraud about that.. I never received a call back for 3 weeks so i called them back to find out and for me to be told they cant verify my documents and my account will remain blocked and i argued with them that the documents are issued by the government. The fraud specialist ask me again to forward them the documents again using my mobile phone which she was on the phone with me and i did forwarded the documents using my mobile phone to take pictures and upload. i was told i will receive a call from a specialist telling me my status a day after i received a call on my home phone number which i was home and answered and i was told my account is still blocked because they still cant verify my documents.  3 days after  again i receive  a call on my mobile phone telling my due to suspected fraud the is still restrictions on my account. Today i called again because my online access has been block and i cant access my online  i felt i was discriminated due to my race because for 1 hour on phone they could not tell me reason why they suspecting that government issued documents are invalid and i was ask again to submit document which i told the gentleman i wont because this is purely frustrating and discriminating i just want to update my tax id to my new ssn and i am going through all this , he said he will forward the call to the fraud department to speak with some one which he did and all i could be told is i should wait 3 hours to login and i waited for 4 hours try logging in i still cant get access to my online banking.. i feel been discriminated and i feel been humiliated base on my race(XXXX).
Product: Credit card or prepaid card

Hi, I filed a dispute with chase bank on XX/XX/XXXX. They sent me a letter that the dispute was resolved in my favor and the credit should appear on my next statement and online immediately. It has been over a month and nothing yet. I purchased 5 phones over the course of a few months and a screen protector. I have returned all of them and received refunds, but there is an extra charge for an item I never purchased. Chase keeps giving me the runaround when I call them. This is a XXXX charge that they are not reversing. Not sure how I can prove I never received an item I was charged for. If I never had it in possession I cant prove this.
Product: Credit reporting or other personal consumer reports

I have called and talked to XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.
Product: Money transfers

I have illegally signed up by PayPal Credit. I was unaware that I had been signed up for this and never consented to it. According to a collection agency they stated this occurred in 2014. They are now stating I owe close to XXXX dollars due to interest that has accrued. I never received any bills or statements and the collection agency stated I have been sent notices to an address in which I do not live at. I never approved of having this account and feel I enrolled in this without my knowledge or consent. I am not aware of what this initial charge is even for because the collection agency would not tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask them to fix these problems listed below. Please note that this is factual information take directly from credit report and these are blatant inaccuracies. 

This is My Name XXXX XXXX. XXXX all of the other Names you list on my report are wrong. Please Delete ALL Names except For XXXX XXXX. XXXX. I Have attached my ID with my Correct Name, please delete any Names that does not match this one above. 

This is My Address XXXX XXXX XXXX XXXX, NY XXXX all of the other Addresses you list on my credit report are wrong. Please Delete all addresses Below except For XXXX XXXX XXXX XXXX, NY XXXX. I Have attached my ID with my Correct address, please delete any address that does not match this one above. 

Current Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX Delete this for inaccurate Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Delete this for Inaccurate FCRA 15 U.S.C 1681 states Consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by CRAs I let you know that the this information on my consumer credit report is Inaccurate and must be deleted. 

Experian Respond that my personal information Does not impact your score at all. I did not ask if it impact my score, I AM SAYING THAT THIS IS INACCURATE. 

It is the job of the Experian to report accurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An old bill from a XXXX has been settled. 

The settlement documents were provided to the collection agency which sent a request to all three major credit bureaus to remove it from my report. 
XXXX  and XXXX have removed it. 

Experian refuses to remove the collection item from my credit report which is a violation of the Fair Credit Reporting Act, and or/ the Fair Debt Collection Act. 

I would like to pursue an official complaint with Experian and or legal action for this violation. 

Thank you XXXX XXXX
Product: Credit card

On XX/XX/2023, American Express sent me a letter denying me of my credit which is a violation of federal law after I decided to do business with them and apply for an American express gold card. 
I then sent them a letter ( basic claim ) of instructions on XX/XX/2023 informing them about the laws the broke ( Adverse action 15 USC 1691c ) Then on XX/XX/2023 they sent another letter denying me which is illegal. 
I then sent another letter ( opportunity to cure ) of instructions on XXXX XXXX informing them about the laws the broke ( Adverse action 15 USC 1691c Then on XX/XX/2023 they sent another letter denying me which is illegal. 
I then sent another letter ( Default Judgement ) of instructions on XX/XX/2023 informing them about the laws the broke ( Adverse action 15 USC 1691c ) I then sent them a letter on XX/XX/XXXXXXXX XXXX informing them that they have breached a contract They sent me a letter on XXXX XXXX still denying me of my credit.
Product: Student loan

My loan was placed in deferment in XX/XX/XXXX, and will come out of deferment XX/XX/XXXX. Today is XX/XX/XXXX, and Wells Fargo has been calling me ( I have not answered ) and my dad, the co signer, harassing us about the loan. It's not due. My account says I currently owe {$0.00}. This has been going on my entire time of having this loan with them, since XXXX, and I am tired of it. I was in school from XXXX until now. In the past I have spoken to them about the harassment and today I sent them another message to stop calling unless the loan is actually due.