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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX  and previous state of residence, XXXX  is six years. I have requested not to be contacted and the collection agency continues to do such.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the ftc violations attached
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my TRANSUNION credit report. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Product: Credit card or prepaid card

Per my credit card reward plan, I am eligible to receive XXXX annual anniversary points ( equal to {$100.00} ). Per my discussion with customer representative at Capitalone, they agree I am eligible for XXXX points and I have received it in XX/XX/2023. However, I don't have any way to check whether I received it or not. So, I ask capitalone I can't trust on verbal confirmation based on my past experience with capitalone. I need evidence in writing either email or statement or any written confirmation that I have received it. Otherwise I won't be able to confirm whether I received those points or not. However, customer support representative and supervisor told me they can not provide any written evidence. So, basically I have to trust whatever they are telling me verbally on phone, which I can't based on history with capitalone. 

Even Capitalone statement for the month ( XX/XX/2023 ) doesn't so any information instead say due error no reward information is available for that month. So, All supervisor is telling me to accept verbal confirmation. Following is reference to my conversation with supervisor : XXXX
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX  XXXX XXXX XXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX {$6700.00} Date Opened XX/XX/XXXX **Inquiries** XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

have reviewed the copy of my credit report and found fraudulent accounts and this is hurting my ability to obtain credit which is against the fair credit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Product: Credit card or prepaid card

This is now my 2nd complained with the Consumer Financial Protection Bureau for this issue. I told you all last time Wells Fargo was intentionally lowering my credit limit due to a " late payment '' on my credit card account which was due to covid and their call centers being closed. My account is current and has always been current. My credit history is perfect, but after this 1 late fee I called Wells Fargo multiple times, including their executive office, but they would not refuse the late fee. 

I then filed a complaint w/ theXX/XX/XXXX. After the XXXX XXXX XXXX investigation, Wells Fargo lowered my credit limit from {$11000.00} to {$8300.00}, then I filed a complaint with the CFPB. After that complaint, they lowered my credit limit to {$6400.00}. I then filed another complaint w/ the XX/XX/XXXX and what do you know, my credit limit has now been lowered to {$5100.00} which is RIGHT above my current balance of {$5000.00} as of this complaint. 

So now for the 3rd time, I've been intentionally targeted in having my credit limit lowered thus hurting my credit even more. I'd like to speak to someone at the CFPB or my next steps are to call my Congressman because Wells Fargo at this point is being CRIMINAL. I give the CFPB permission to pull my credit history, run a hard check if you must. You will see 0, I reiterate, 0 missed/late payments throughout my report. I have 12 active accounts, 0 issues EXCEPT for WellsFargo. 

I'm looking to have the late payment removed from my credit report, and would like to know my options at this point for pressing charges as this is obviously DELIBERATE attacking of my credit at this point.
Product: Debt collection

On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from XXXX XXXX XXXX XXXX has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted NCB Management services to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX Capital One reported late payments on an account that is reporting to my credit profile and it should not have any late payments. I have disputed the inaccuracy and it is still reporting. The account was never late and should be listed as pays or paid as agreed.
Product: Debt collection

The amount that's said to be owed is from the same company that has closed the account. Also due to covid I couldn't have paid this if infact it's mine, which I don't believe it is. I feel that it should be removed from my credit report Thank you for your time in this matter. 
XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and Equifax directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Mortgage

I have a primary residence loan with Suntrust Mortgage that originated in XXXX of 2015. In XXXX of 2015 I made an advance principal payment of {$70000.00}. 

Suntrust never recalculated my monthly payment nor my maturity date. 

Every time I call, the customer service representative acknowledges that there is a clear problem and transfers me to a supervisor. 


The supervisor then refuses to change the maturity date or monthly payment. Only offers to supply me with the amortization schedule. The amortization schedule reflects no change in my maturity date or monthly payment. 


In essence, Suntrust took {$70000.00} from me and refuses to make any changes to my account as a result. 


They are clearly acting in bad faith : hanging up on me, refusing to provide direct answers to my questions and failed promises to provide me with requested paperwork. 


Attached you can see my bank statement proving my {$70000.00} payment was received. Other statements attached show that my payments and amortization have not changed.
Product: Credit card

When booking a flight on Southwest Airlines an offer was available to open a Chase Southwest Rapid Rewards credit card to purchase the tickets. It showed the amount of my ticket purchase and said I would receive a {$200.00} credit on my first statement. I opened the credit card and purchased the tickets. When I received my statement it showed the amount of my ticket purchase and the {$200.00} credit BUT it also had a {$99.00} Annual Membership Fee. The Annual Membership Fee was not disclosed transparently in the information first seen by me the consumer. I was told by a manager named XXXX at Chase that the Annual Membership fee is disclosed later ( obviously in the fine print disclosure ). I am disappointed that Chase is not following the transparency regulation and is sticking the annual fee to customers on the back end instead of showing it in the enticing advertising when consumers are booking/purchasing airline tickets. I want to be credited for the {$99.00} annual membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, TD Auto Finance # XXXX, XXXX XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Student loan

Question # 1 : In XX/XX/XXXX, I consolidated my loans in a Federal Direct Consolidation Loan with the Department of Education through Nelnet. From XX/XX/XXXX through XX/XX/XXXX, I made XXXX payments on this loan totaling {$6500.00}. According to Nelnet, on XX/XX/XXXX, my Federal Direct Consolidation Loan was paid in full, through the PSLF limited waiver program. Nelnet claims I am only entitled to monies I paid after my loans were discharged in XX/XX/XXXX. {$6500.00} should have been refunded to me for overpayment with the PSLF Waiver, not the {$610.00} I already received. I have included the payment transactions from NELNET and my Eligibility for Public Service Loan Forgiveness letter from XXXX XXXX in this Reconsideration Request. 
The question I have is whether, under the PSLF limited waiver, am I entitled to a refund of monies I paid toward my Federal Consolidated Loan prior to it being paid in full in XX/XX/XXXX? According to the PSLF limited waiver, refunds for payments over 120 direct loan payments in excess of 120 are eligible for refund, but if you consolidated ( or reconsolidated an existing direct consolidation ) the payments must have been AFTER the consolidation to be refunded. Under the criteria of the XXXX limited waiver, I am entitled to a refund of payments made after XX/XX/XXXX. 
I have attached a copy of the financial transactions after my loans were consolidated in XX/XX/XXXX, along with the letter from Nelnet that indicates I am not entitled to a refund of monies prior to my Federal Direct Consolidation Loan being discharged. 

Question # 2 : On XX/XX/XXXX, XXXX XXXX, the servicing agency that took over servicing my student loans under the PSLF limited waiver, indicated in a section of a letter sent to me : PSLF QUALIFYING PAYMENT DETAILS I had XXXX PSLF Eligible Payments, but had XXXX Qualifying Payments ( Total ). I have attached a copy of the financial transactions after my loans were consolidated in XX/XX/XXXX as well as the letter from XXXX XXXX that indicates the number of payments I made. Under the criteria of the PSLF limited waiver, I should have received a refund of XXXX payments I made in excess of the 120 payments that were required.
Product: Credit card or prepaid card

I am on unemployment for the first time. I was sent a WayToGo card. After seeing the astronomical fees, I changed my payments to my direct bank deposit. The fees these bank/card charges are horrid. Every time I call in ( you are NEVER able to speak to anyone because it doesn't give you an option ), I get a {$0.00} charge. Even if I go online, I get a {$0.00} charge. 
When I received my first payment, I went to my bank ( XXXX XXXX  ) to pull the funds from the card. It was declined because my bank handles visa cards. I went to one of the " suggested '' banks, which charged {$1.00}. 
To this day, I have been charged {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$1.00}, and {$0.00} ( and one more charge of {$0.00} because I had to log in to ensure all the charges were reflected correctly. 
Total loss of money : {$4.00} I ask for your help because if this bank/card is doing this to me, they are probably doing it to others. Next, being unemployed, taking money from the client 's account, such as above, does not help, especially when funds are tight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began receiving collection letters and calls from Oliphant Financial LLC stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for Oliphant Financial LLC. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from XXXX XXXX XXXX. On XXXX/XXXX/23, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and Oliphant Financial as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.
Product: Debt collection

Fair Collections & Outsourcing filed a Collections account for XXXX dollars on my credit report and has told me they will not change it and they will be taking action against me if I do not pay it. I've informed them that the amount is way more than what the judgment from the courthouse was and they said they are allowed to come after me for more than the amount awarded by the court house. the actual amount is XXXX dollars I've attached the documents from the court house to prove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXXXXXX was opened during covid fraudulent late payments poster please remove, XXXXXXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on open sky showing balances, showing late payments and repossession codes on a credit card, after card or account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts were opened fraudulently after I put freezes on all 3 Credit bureaus. I also have a Stolen Identity Report.
Product: Payday loan, title loan, or personal loan

I received a loan in the mail by a check ( {$1200.00} ) pre approved check. I deposited it into my bank, checking, on XXXX XXXX, XXXX On XX/XX/2022 the check was returned Bc it wasnt paid. On the XX/XX/2022 I went into the local Tower Loans and they couldnt give me a reason or the number to the main office.
Product: Credit card or prepaid card

I opened a capital one card used it once to get a motel room. When I called because I hadnt received a bill I was told no balance was due at this time. I thought weird but possible. I unfortunately forgot about it I was moving and going through a divorce. I recently checked my credit score and saw it was now in collections for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Product: Mortgage

my loan was sold in XXXX from XXXX to SPS ( XXXX ; XXXX XXXX XXXX ) IT HAS BEEN A MESS IN THA I HAVE SUBMITTED EVER Y SINGLE DOCUMENT THEY HAVE ASKED FOR PAST TWO YEARS PROBABLY OVER 40 TIMES YET THEY KEEP ASKING FOR SAME THING now I find tha they might not be legal owners of mortgage and have no standing in foreclosure case filed by XXXX in XXXX.They r not licensed mtg company in Illinois!! There r many cases on XXXX blog regarding SPS specifically in flordia where many cases have been dismissed and reversed because of SPS ILLEGAL ACTIONS.my next court date is XXXX at XXXX