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

My Report contains incorrect, inaccurate, falsified information reported by you. Including geographical collection, payment history, derogatory etc. 
I contacted you to request deletion of this inaccurate data from my Credit History Report, but have refused or failed to comply this is falsified/unapproved inquiries information and reporting and goes against FCRA and CFPB I am not in contract with any of the following or NEVER VERIFIED any information with them below : Creditors/Derogatory Remarks 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX Department 3.XXXX 4. XXXX XXXX Unknown Geographically Information needs to be removed immediately I am verifying I am only XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX All other information is falsified data They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : I am enclosing the following to support my claim that the information you have reported is not correct : These negative mark is damaging to my credit. Please contract XXXX, XXXX  and Trans-Union, immediately to remove this information from my credit file. 
Please confirm to me within 10 days that you have contacted the creditors to correct this information. Or I will be filing suit
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus 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 reported items are 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 you must remove are listed below XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 i was in custody for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX XXXXXXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time
Product: Debt collection

Equifax has re reported XXXX XXXX XXXX on my credit report without a 5-day notice which is against the law. <P/>According to the FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. <P/>( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
Product: Credit reporting, credit repair services, or other personal consumer reports

This company never notified me of any information they were putting onto my consumer report, I didn't authorize any of these accounts
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX  Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I asked them to stop contacting my cell phone which is also my work phone number and I also asked them to stop emailing me and texting me and they continued to do so and I told them if they don't stop I will be filing harassment charges and they ignored it and started sending me mail a letter more frequently
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Hello! My name is XXXX XXXX. I ended up working with XXXX XXXX XXXX XXXX account number XXXXThey wrote to me that I owe them, but if I have an open policy in a new company until XXXX, then they will not issue the debt if I provide them with all the papers.I do all this send the new insurance policy, my new insurance company XXXX XXXX policy number is XXXX but I have not received a response from XXXX.I think everything is fine. But today I received a letter from a debt collector saying I have to pay XXXX. link : XXXX and I don't see why I should pay unless I use this insurance company! my contract came to an end and I send all the information about my insurance police!! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit act I have a right to send valid information to the credit bureau and ask they correct a mistake on my credit report.i have an account on my credit report that is inaccurate and it have hurt my ability to obtain credit and get a house because of this mistake. They have been reporting this account inaccurate for a long time if you would look at the attachment you will chargeoff. Chargeoffs don't have a payment history but they have continued to report this account inaccurate. This account is paid in full and the payment history should not show charge off and I went to the company and got a letter and the attachment shows the account as paid. This inaccurate information needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM CFPB WEBSITE : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 

XXXX, Equifax, and XXXX are not honoring the 45 day rule. I shopped around the week of XX/XX/XXXX - XX/XX/2022 with XXXX different banks. I now have XXXX different inquires and the credit bureaus will not remove the other XXXX, and the worst part about it it lowered my credit rating over XXXX points! 

Please help.
Product: Bank account or service

I have been on the phone with Wells Fargo Bank several times but on XXXX occasions for over 2-1/2 hours each time trying to resolve an issue since XXXX XXXX ( that 's XXXX days ). I 've been transferred so many times with no one able to give me an answer to my issue. The worst call was when I was on the phone for XXXX minutes and transferred XXXX times ( I wrote all the names or the reps and the departments as I kept getting transferred ). 
The issue I 'm trying to get resolved is I made XXXX transfers from an account I have with another institution, originating the transfer from the Wells Fargo online banking Transfer option. I cancelled XXXX of those transfers which Wells Fargo confirmed cancellation of, but my other bank still sent the funds. I contacted that bank and they gave me provisional credit until the funds went back into my account with them. Wells Fargo can not find the funds. They have no tracking number ( or so they tell us ) for the funds they returned when the transaction was cancelled. So, neither bank has the funds. A representative from my other bank was kind enough to do a XXXX way call with Wells Fargo, which lasted XXXX min with no resolution. Wells Fargo 's ACH department is only internal so we could not speak to a representative directly but were told that there was nothing they could do or provide so that my bank can trace where the funds went. I 'm out {$300.00} with Wells Fargo and my account with them is overdrawn because of this, causing a much needed prescription that I have on autopay to be declined. No apology from Wells Fargo was received even when they assured me that any transaction that was pending would be honored. 
I 've been talked down to, insulted, yelled at and talked over when I 've tried to explain the situation to the various representatives I was transferred to. Before each call, they state " This call may be recorded '', I sure hope the calls were recorded so that at some point they can be played back! I was made to feel like a XXXX and when I told them I had paperwork I could email or fax to them from my other bank to help with the investigation, I was told that their email was only internal and there was no fax number they could provide me. 
My level of frustration has reached it 's limit with Wells Fargo, and so I 'm filing this complaint.
Product: Credit card

I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %.

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Bank account or service

I have a hard inquiry on my credit report that I did not authorize. I did send them a letter but it came back undeliverable.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my information was exposed possibly between XXXX and XXXX due to a data breach. I have filed a complaint with the FTC which will be included. There are several fraudulent charges to the account which have resulted in added intrest fees and emotional distress and low credit rating. I have contacted XXXX in the past to cancel the account but only received a new credit card number and card. I stopped using the account and card.
Product: Debt collection

Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Checking or savings account

First National Bank of Omaha ( FNBO ) advertised a {$50.00} bonus within 15 days of opening a checking account. I have not received the bonus, 6 weeks after opening an account. In response to my questions about the delay, the bank has only said they are researching the matter.
Product: Debt collection

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

Ocwen denied me my XXXX Principal reduction program saying I did not get paperwork in on time in a letter written to me on XXXX. Then on XXXX Ocwen said XXXX denied me the principal reduction program. On XXXX sent me a letter looking into it. Then on XXXX sent another letter saying looking into. On XXXX CFPB sent me a letter letting me know my complaint and evidence was sent to Ocwen. O XXXX Ocwen sold my home. 

At the end of XXXX XXXX called XXXX to see if Ocwen sent what was need and found out they did not so I asked for an extention all Ocwen had to do is call and let XXXX they are still working with me. Ocwen did and I got my extention. On XXXX called XXXX to see if Ocwen sent in paperwork but they did not so I asked for another extention all Ocwen had to do is call like they did the month before but instead Ocwen called XXXX and denied me. Ocwen lied about me not getting the paperwork in on time so when Ocwen got the evidence I sent they changed their story and said XXXX denied me. look at the paperwork I am sending with this complant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much
Product: Debt collection

After noticing two charge-off accounts on my credit report. I reached out to both XXXX  XXXX XXXX XXXX as well as Capital Management Services with a certified letter on XX/XX/2021 to settle debt owed. My letter stated that I was willing to pay the debt in it's entirety once I received a letter of deletion from an official representative from the company. My letter also stated that my offer to pay willing expire in 30 days from letter sent. It's been two months and I haven't heard from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my Equifax account on XXXX XXXX, 2017 because of their recent data breach. I noticed the 10-digit PIN they gave me is NON-RANDOM and is a timestamp of the form MMDDYYHHMM and verified this both because we froze several credit accounts in our household and saw the pattern AND this is widely reported in Blogs on the internet. Given the large number of recent freezes, any half-capable hacker can have a computer algorithm " guess '' the PIN in a second or less, unfreeze my credit and open a fraudulent account.
When I called Equifax to ask them about this : I talked to both a front line rep and a manager. Both at first insisted the PINS were " random. '' I explained to them about the date and time stamp and they still insisted they were random. Next I asked if I could change the PIN to one of my choosing. No that is not possible. Lastly, they both said, if I did a temporary lift, and replace, a new PIN would be generated. I asked if it would simply be a later timestamp or truly random and they did not know, but I suspect it would simply be a later timestamp so I did not do it. The manager offered to waive the fee, but I got the impression if I did a temporary lift-replace online I would have to pay for it and I would still get a timestamp PIN. I explained to the manager that these PINS are in no way random and are a big security risk, and that she should really really report it up the line, but she clearly is overwhelmed so I have no hope that anything will be done at Equifax about it. Clearly even the manager is completely uneducated about how the PINs are generated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX  XX/XX/XXXX =========XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX I ) XXXX Balance Owed : {$560.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$560.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit card

I had requested an extension of my consumer credit and was deaid to my consumer credit, which I lawfully have a right to in an entitled too, and because of the denial of the application I requested that if they do not extend the credit, then I would like my contract to be retracted from their system. So that they can not securitize it and make a Get any interest or any sort of profit off of my application and private information that they had collected. Also I applied because they were sending me numerous pre-approved consumer credit cards and denied me for everyone that I had applied for which makes me believe that they were just trying to capture my applications with my private information. So that that way they can make a profit of a reselling My application to third parties.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation which began on Wednesday XX/XX/XXXX when my check was supposed to be deposited raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.