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

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX you are in direct violation of the fair credit reporting act ( M $ T bank acct. XXXX ) has violated several of my rights 15 U.S.C 1681 section 602A. clearly states that i have the rights to pricacy.

15 U.S.C 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 16668 : A creditor may not trat a payment on a credit card account under an open- and consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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 have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 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
Product: Vehicle loan or lease

Down payment was made, and I was told vehicle would be financed by exerter finance but wasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Experian XXXX XXXX  Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Experian has fraudulently put an account on my report, XXXX XXXX XXXX XXXX XXXX I ask Experian to tell me how they verified that account and the method of verification. I have waited more than 30 days and still havent received any response in according to my letters. Experian has refused to respond to my request to know how this was verified and the method of verification. I am aware that my rights are protected by The Fair Credit Reporting Act and Experian has violated my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate XXXX XXXX XXXX XXXX XXXX ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please removed the following items from my credit report : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX This address in incorrect, please remove it from my credit report immediately Collections XXXX. XXXX XXXX XXXX XXXX - This collection is being reported inaccurately, please remove this from my credit report Account XXXX. XXXX This account is being reported inaccurately, please remove this from my credit report XXXX XXXX XXXX. XXXX TX XXXX XXXX this inquire was not authorized, please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I tried to open a checking account and they did a hard pull on my account without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that my credit score dropped by 60 points due to a delinquency from the merchant ( Key Bank ). In XX/XX/XXXX, I had my mortgage deferred due to the COVID-19 relief offered by the bank and a new monthly payment was established for {$1100.00}. I made all payments on time from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I paid the account total due, but was late making my payment by a few days and was assessed a late fee ( which is okay as I was late ). I was not, however, 30 days past due. The bank reported me as such which caused my credit score to drop. I contacted the bank and they advised me to fill out an online form on key.com and that it will take 30 days for review. After filling out the online form, however, I never received a confirmation that the request was received ( ex- confirmation email ). Today, I called customer service and made an online payment over the phone, however, the representatives were unable to confirm that my request was received and told me to contact my credit reporting company. I really appreciate Key Bank and the assistance they provided me with my mortgage relief during these troubling times. I have followed all directions they have given, and feel that it is unfair that they are impact my credit. I had no concerns, thought this was a simple mistake, and that this credit reporting error will rectified until today. Because I was not able to obtain confirmation that my credit reporting concerns were being looked into, I am seeking further assistance.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian twice about an incorrect account on my credit report. 

Experian is reporting that I have a collection account with XXXX XXXX XXXX XXXX, original creditor being XXXX XXXX XXXX I explained to Experian in detail that I dont know who XXXX XXXX XXXX is and that I have never opened an account with them. 

I submitted two dispute with Experian requesting them to remove this account, first dispute in early XXXX and a second dispute later in XXXX after the closed out my initial dispute. 

Additionally, I requested documentation from Experian on their debt verification method with both disputes. 

Experian has not provided me their debt verification method after either of the disputes. 

I filed a police report with the XXXX Police Department and provided it to Experian. The police report detailed the fact that I have never done business with XXXX XXXX XXXX, yet Experian insist on keep this account on my credit profile. 

Additionally Experian refuses to provide me their debt verification method, as is required by law. 

I plan to sue Experian for the damages they have cause me, and this complaint with CFPB is the first step in the legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXXXXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX   XXXX  XXXX {$4000.00} XXXX XXXX {$630.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} DPT EDXXXX XXXX {$4000.00}
Product: Money transfer, virtual currency, or money service

I've sent a wire transfer to their bank ( XXXX XXXX XXXX ) in NY coming from XXXX NY last XX/XX/2017 to fund my Coinbase account. I followed all the instruction stated in Coinbase website how to deposit through wire transfer. My bank has confirmed that XXXX XXXX XXXX has XXXX the {$5000.00} wire transfer.. I opened a file with case ID # XXXX dated XX/XX/2017. I tried to contact their customer support numerous time on phone, email, XXXX, XXXX & internal messaging, but no response whatsoever. It's been over 2 months now & I missed so many buying opportunities in cryptocurrency trading. Please help me get my money back to my XXXX account or deposit to my XXXX account. 

Thank you very much. 

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

Dear Credit Bureau I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  ; XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card through Barclays. back in XX/XX/2023 I contracted XXXX and missed a lot of work. I also misse y payment due to being so sick! I called Barclays at the end of XXXX and asked them to make a payment plan to catch up and was given dates and authorizations over the phone for several dates for my card payment to be directly taken from my account! To bring it up to date. They assessed one payment and the reported to the credit bureau that I was over 30 days late to XXXX. Which resulted in lowering my credit limit and my credit score and I was not notified even through letter that any of this was taking place. The person on the phone made it seem they were sympathetic that I was going through the after math of XXXX and they were enrolling me in a program to get caught up and all the whole they were plotting against me to decrease my credit limit ; increase my utilization, and lower my score! I have had this card for over 6-7 years and NEVER had a late payment on my credit report! However before last year the store card was through XXXX! I did not start having issues until my card was transferred to Barclays! When I called the company to dispute and try to rectify the problem the rep and their supervisor said they cant see the screen past a certain point. They said they could see that my card had a payment plan but did not see why they didnt go through. There were funds on my account to pay. And if it didnt have funds or for throughly they would had contacted me through phone or mail! Both the rep and the supervisor stated there was nothing they could do!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative collection not reporting to all 3 credit bureaus and would like to get them removed since they're not reporting correctly to all 3 bureaus the name is XXXXXX/XX/XXXX account number XXXX balance XXXX and date Open is wrong
Product: Mortgage

OnXX/XX/XXXX My XXXX  counselor submitted my file to CBIC bank his name XXXX, I am a current client of XXXX XXXX XXXX. XXXX XXXX my name immediately called XXXX XXXX my XXXX counselor and informed her of two judgements. I paid those judgements with monies I saved to put down on my closing. XXXX  informed me that once I paid the judgements that he would offer me a bank product. After waiting 2 weeks for a return call. i called XXXX   supervisor he returned my call once and left me two vm, I never received a call my ile is still their. I had my XXXX counselor send my file to XXXX XXXX XXXX they had me an approval within 72hrs.
Product: Credit card or prepaid card

Ive had the XXXX XXXX credit card for over 10 years. They recently switched the cards from USBank to XXXX. USBank neglected to send some customers ( including me ) their last bill before the switch. Therefore the bill was not paid and XXXX assessed late fees and interest fees to those affected. USBank admitted the mistake to XXXX and XXXX ( but not me ) so XXXX agreed to waive ( credit back ) the fees. However, the delinquency and the fees may get reported to the credit bureaus and affect our credit ratings. I am in the process of applying for a home loan for which they will check my credit. I simply asked USBank for a letter explaining their mistake so I could show that to my lender to prove the delinquency was not my fault. USBank VERY RUDELY and repeatedly refused. I asked XXXX for a letter and they refused as well. I have asked XXXX for a letter too but havent heard back. I am one of many innocent victims in this horrible situation and no one will help me.
Product: Credit reporting or other personal consumer reports

I am writing to report that inhave been a victim of identity theft. over the past XXXX years inhave been exposed to muitiple data breaches which i believe have led to unauthorized activity and fraudulent accounts being opened in my name. The unauthorized accounts and activities Include : XXXX fraud account/inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud accounts/inquires XXXX XXXX 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 accounts/inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to address this Issue including contacting the companies where the unauthorized accounts were opened and filing disputes with the credit bureaus, however i continue to experience difficulties in resolving these issues and ensuring that my credit report is accurately reflecting my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ILLEGAL AND IMPROPER REPORTING ACTIVITY- REPORTED LATE XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX AND IMPROPER REPORTING ACTIVITY- REPORTING LATE, XXXX, AND CHARGE OFF- ACCOUNT WAS PAID IN FULL SUCCESSFULLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with a 'T ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Western Merchantile Served my wife At her work with a court summons for a debt. she agreed to garnishment. They followed up by falsely delivering the summons post the signed date to her other old places of employ for a set amount per fake attempt. After garnishments began they over garnished the final payment XXXX XXXX we immediately contacted them to inform them of the error. We were told we would receive the funds in one to two months, which was now almost 5 years ago. They now started harassing phone calls attempting to collect an almost 11 year old debt for less than they owe us. I have attempted to pay the Companies that the debts originated with that We did business with and they are not allowed to take the money. Which means the debt has been purchased by western mercantile, which they also deny. But if they don't own the debt, my original debtors would be able to take the money. They are a cancerous stain on our community and their business practices are in need of real scrutiny.
Product: Debt collection

I had opened up a new XXXX Charge Card and the billing address was misinterpreted by the clerk and I never received a billing statement to pay it off until a Credit Collection Agency ( XXXX XXXX XXXX ) hunted me down and made me aware of the unpaid overdue balance. I negotiated a settlement payment with them and sent them a check to pay off the debt. They are still listing the write off they agreed to of {$77.00} as unpaid and overdue. Numerous phone calls to this agency to correct the problem has been fruitless. They say they will notify the credit reporting agencies to remove the debt but they never do. I consider this company to be a sleazy operation.
Product: Credit card or prepaid card

Ann Taylor Master Card administered by Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account hacked and closed in XXXX. However, company used this account to renew a magazine subscription ( without my consent on a closed account ) and sent me a bill for {$20.00}. I sent a check for this amount. In the meantime, I had replaced this account with a new one. XXXX XXXX XXXX XXXX XXXX XXXX Comenity used the check for an payment on the new account. This happened again and I called many times to try and correct the mix-up. No one I ever talked to could find the old account number listed first above when I called. I wrote a letter to Comenity to explain all this and they closed the second account also listed above. So once again I tried to pay off this account which by now is accuring late fees and interest. In XXXX, XXXX I sent a check for {$220.00} to pay off the first closed account. ( the second account was paid off with a XXXX balance ). The company put that check amount towards the second closed account which how has a CREDIT balance of {$230.00}!! And I received another bill on the first closed account which is now showing an owed amount over {$300.00}. I receive a bill every month with new interest and late payments. Surely, credit card companies keep track of closed accounts and have access to that information. And they have not returned the {$230.00} that is credited to a closed account.
Product: Checking or savings account

On XX/XX/2022, I received a phone call from someone using the Wells Fargo customer service number ( XXXX ) claiming they had detected an unusual payment being made using the XXXX service. I told him it was not me and to decline. He than proceeded under the guise of a Wells Fargo agent, to have me transfer money into what I thought was a new account to avoid any future fraud. Little did I know that he had me transfer {$5000.00} into an entirely different account via wire transfer into a XXXX account. By the time I realized what he was doing, he hung up on me. Within the next few minutes, {$1100.00} more was transferred out of my checking account. Now Wells Fargo is telling me that they cant get the money back from XXXX, and that theres nothing else they can do. I never received any fraud alerts from Wells Fargo for these two transfers. I have never used the wire transfer service for anything in the 20 years I have been a Wells Fargo customer. Nor have I ever sent that much money to another banking institution. And not one phone call, text, or alert from Wells Fargo. Now theyre telling me that theyre just going to leave me high and dry with my savings wiped out and {$1100.00} fraudulently taken out of my checking account
Product: Mortgage

This is to inform you that Specialized Loan Services approved me for a loan modification, but after 60 days, they have not recorded the note or notified me of the loan modification being completed on their part. 
I have made my monthly payments on time, but instead they have send me monthly statements that show higher payments than we had agreed to, unclear charges and attorney fees that are not part or listed on modification agreement. 
attached you will find copies of statements and loan modification. 
thank you for your help.