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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have asked several times for equifax to remove the following hard inquiries and it has not been removed as of yet. 
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

My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXX XXXX, I discovered that FED LOAN SERVICING STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
Product: Checking or savings account

I spoke to XXXX XXXX XXXX, State of NJ, to find the funds deposited by my uncle, XXXX XXXX XXXX to my XXXX daughters, at the XXXX XXXX XXXX XXXX. I believe my sister XXXX XXXX XXXX was employed by XXXX and she could have provided the information, but I am not certain. XXXX XXXX advised that there are no funds in the possession of State of NJ Treasury and I should work with the FDIC to locate these CD funds. <P/>The deposit to XXXX was made on XX/XX/XXXX by XXXX XXXX XXXX ( having this day made a custodial gift under the NJ Uniform Transfer to Minor Act, with a signature of XXXX XXXX XXXX, Notary Public of NJ ( My commission expires XX/XX/XXXX - Qualified in XXXX County ). <P/>The XXXX was bought by Wells Fargo and they had no information about these XXXX accounts My uncle, XXXX XXXX XXXX died on XX/XX/XXXX and a copy of his death certificate is available from me. <P/>I am the Custodian of these XXXX accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had SIX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXX # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Noticed late payments on recent credit report review ; these dont align with my typical on-time history. Please correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already attach the files regarding identity theft and data breach, My personal information has been compromised.I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Product: Checking or savings account

I filed a dispute for chime for {$170.00} and I still have not heard anything I just want my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did not report the late payments correctly to each credit union. In XXXX of XXXX how was I 90 days late with XXXX but not with XXXX or Experian? Also on my XXXX credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either Experian or XXXX credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).
Product: Credit card

I was assessed an annual fee on XX/XX/XXXX for a card that I no longer use or need. I called Bank of America on XX/XX/XXXX after noticing the charge and requested the account be closed since I no longer used the card and didnt want to pay the annual fee. The customer representative agreed to close the account and did not make clear that he wasnt processing the fee removal as requested. Failing to waive an annual fee within the month that it posts, when the customer has not used the card or any of its provided benefits, is out of line with the general industry practice and it was deceptive of the customer representative not to make clear that he was not processing the fee waiver with the cancellation. 

Finally, the annual fee notice that was sent to me stated that the fee would be charged on my XX/XX/XXXX statement. This implies the date of the charge would be on that date, which I did call before. If Bank of America expects customers to cancel before the posting date, the annual fee posting date is what should be present on the letter, as this is otherwise a deceptive practice. Within the terms of the annual fee letter, it also specifically states that calling to cancel within 30 days of the statement in which the annual fee is posted will result in the fee being credited back. ( Attached )
Product: Debt collection

I ask XXXX so many time to remove this account out my name because it was not me open it. And they deny since 2008 I have this account drag XXXX down my credit score
Product: Credit card or prepaid card

Hi, I have had my Chase Sapphire Preferred Card for a little over two years. I recently got a letter in the mail saying that they are closing my account because another one of my Chase accounts has been closed. I have no other Chase account, where I am either the primary account holder or an additional member. I solely have this one card. I have reached out to them, but they will offer me no explanation other than that I have had another account closed. Please tell me what I can do to fix this. All I want is my credit card back. 

Thank you so much
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 this company 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX  XXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This is my 11th 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, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX
Product: Debt collection

It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.
Product: Checking or savings account

On XX/XX/2022, I deposited checks in my Wells Fargo account. One from XXXX XXXX which was from MY business bank account ( check 3 ) and that one cleared with no issues. I have included the check image and screenshot from XXXX XXXX for verification. And another one from XXXX XXXX XXXXXXXX account which I am also an owner on. ( check XXXX ) This check XXXX bounced for whatever reason and no one knows why. Not XXXX nor Wells Fargo. I replaced that check with another on XX/XX/2022 from the SAME XXXX account ( check 1 ) and this one cleared with no issues. ( provided a screenshot of this from my XXXX account but unfortunately XXXX does not display the check image for me to attach ). Wells Fargo held these checks until they completely cleared. I was never issued any type of advance at all whatsoever. This is all my money. At first, I wanted to keep my account but now I never want to do business with Wells Fargo again after all this hassle so if they want to close my account, fine. But what I will not tolerate is horrible customer service and inaccuracies noted in my file by a team that refuse to do their job correctly. I went to a branch on XX/XX/XXXX or XXXX to withdraw all my funds and proceed with the close and the next day I get a call from someone in the risk dept saying that they cancelled all my abilities because they tried to verify the funds and " could not locate '' I was shocked, in a panic I called my banks and they said no such thing. What they did say was I needed to be on the line for them to verify so this was a COMPLETE LIE by Wells Fargo that they could " not locate '' my account!! Why would someone from Wells Fargo 's risk department just lie like that? Why not tell me the truth and then have me on the line to verify right then and there as the other banks said they needed to do? Completely shady business practices! I finally got in touch with someone who would listened and he called both banks on the line with me and was able to successfully verify both banks and checks and he noted this in case number XXXX. His name was XXXX. This was the only time I experienced decent customer service from anyone at the risk department. Even he was completely perplexed as to why other case notes on my account said " could not locate ''. Well Fargo 's risk department agents, most that I've spoken to are awful and either outright liars or completely disorganized and causing harm to people for no reason. If anyone from the risk department actually took time and care to verify my accounts, it wouldn't have been blocked further or it shouldn't have been!! Wells Fargo didn't do their job appropriately so I shouldn't be punished for their reps mistakes or errors, or LIES! These are very obvious abuse of power tactics by Wells Fargo. I have every right to my funds at anytime that I want.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> GreenSky withdrew {$130.00} from my checking account through an ACH transaction. I did not request the loan. I have talked to a representative at GreenSky. Their best guess is that someone took out a loan and accidentally gave them numbers that correspond to my account and/or phone number. I informed the GreenSky representative that I found that unlikely and that I was aware of their history of fraud. 
My bank has opened a fraudulent claim for the withdrawal.
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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$21000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX  : Account Number XXXX XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX stating that a {$10.00} late charge and related payment issue were to be removed from my credit report. Following this, I filed a dispute with Experian and provided the letter as proof. Despite speaking with three different individuals from Experian 's Dispute Department, I was told to continue resubmitting the dispute, and when requesting a supervisor, you were denied any further assistance. As a result, my credit score dropped from XXXX to XXXX, even though Ive never had a late payment. I believe that someone within Experian may be mishandling or selling consumer information, as shortly after this, I received a dispute notification for your XXXX account, which you never initiated, and I were alerted that your SSN was found on the dark web. I'm requesting an investigation into the Experian Dispute Department, suspecting possible illegal activity.
Product: Credit reporting or other personal consumer reports

I have not received actual documentation that shows i made a 30 day late payment. I only receive a credit report. Im demanding actual documentation of this late payment. I have never been late on a payment
Product: Credit card or prepaid card

on XXXX i was working out at the park in XXXX Tx and after about an hour i noticed my direct express card was missing. I began asking people at the park if they had happened to see a card and if so that it was mine. Nobody claimed they saw it. i began back tracking and searching for at least 2hours. The card was no where to be found. Once my friend picked me up, XXXX XXXX, he helped me look for it, as well. We were unable to find it. At that time, I immediately called DirectExpress # and reported that my card was lost or stolen. I also phoned XXXX on XXXX and reported it to them as well. I spoke w/XXXX. I spoke w/a XXXX, I spoke w/a XXXX emp # XXXX on XXXX, supposedly a supervisor. I was advised that I would receive a new card in 2 or 3 days, I actually received it the next day by XXXX, charged {$13.00}. I thought everything was fine until I went to the XXXX XXXX in XXXX and the card was declined. I used my old pin # then tried my new pin # both declined. The card that they sent me was the same 16 digit number on my card that was lost or stolen. I was advised in order for me to activate my card i must do it online. Well the policy online said for me to call DirectExpress. The last person I spoke to at DirectExpress was XXXX XXXX and she advised me that she would UNBLOCK my card and I would be able to use it. Well I never ask anyone to BLOCK my card in the first place, I REPORTED IT LOST/STOLEN. I spoke w/this XXXX on XXXX and on XX/XX/XXXX I went to XXXX in XXXX Tx and the card WAS DENIED. I am not happy with the way they have handled this issue. They have lied, given me the runaround. It appears to me that they are not very honest people or else maybe they need more extensive training for their jobs. Whatever the case may be, I certainly hope you will handle it promptly. 

Thank you for your time and attention in this matter and I look forward to hearing from you. You can email me at : XXXX You can leave a message for me at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I disputed this debt to the credit bureaus back in XX/XX/2022 stating it is reporting inaccurate information. This account was removed from my credit report in XX/XX/2022 due to being inaccurately reported, but this month it was re-imported back which dropped my credit over 58 pts down. I am trying to get a clean healthy credit report but these creditors reporting wrong information is hurting me. I would like this account to be removed from my credit report. 

The account is called : XXXX XXXX Account Number is XXXX Amount : {$1400.00}
Product: Mortgage

Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.
Product: Debt collection

Upon checking my credit report this afternoon I found the following fraud account for {$4000.00}. I have never conducted business with Ability Recovery Services, nor have I incurred any financial obligation related to the institution listed in this matter. 

The school referenced in the debt is fraudulent, unaccredited, and has been identified as a scam. I have no connection to this institution and have never authorized any financial transactions or agreements with it. 

Furthermore, I previously requested that your company submit a fraud package to address this issue and investigate this matter thoroughly. However, you failed to fulfill this request, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.
Product: Debt collection

I purchased a hot water heater from XXXX ( XXXX XXXX XXXX XXXX It was delivered damaged and the installers caused damage to the existing pan and to the walls around the heater. I raised a dispute with my credit card and with XXXX XXXX. XXXX XXXX sent it to their insurance company ( XXXX ) who requested photos and other information, all of which I provided. I never heard anything more. On XX/XX/XXXX, I received written notification from my bank that XXXX XXXX issued a credit. I considered the matter closed. On Friday, XX/XX/XXXX, I received a debt collection notice! I called them to verify it was legitimate. They said XXXX XXXX sent me to collection. I reached out to the XXXX  ( XXXX XXXX ) and to the collection agency and provided documentation from my bank with the credit information.
Product: Debt or credit management

I contacted the company to file the complaint they posted violating section FCRA 623 ( a ) ( 2 ).