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

XX/XX/XXXX Prior loan from Westlake Financial that was charged off in XX/XX/XXXX, still shows a balance owed to thrm of {$1500.00} on my XXXX credit report. I discussed this issue with them in XX/XX/XXXX thru XX/XX/XXXX to get this mistake fixed and was told this charge off and balance would be removed due to car being sold at auction by them. Recently I applied for a personal bank loan and was denied due to this severely derogatory listing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with XXXX, Transunion, and XXXX but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what XXXX is sending them.
Product: Debt collection

Received notice from Harris and Harris dated XX/XX/2023 regarding a non valid debt from the Washington, DC XXXX XXXX XXXX. The notice from Harris and Harris did not include debt collection rights including language that states : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid ; If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt ; and If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information. 

In addition, this debt is not a valid debt since Washington DC has no legal authority to collect on automatic traffic enforcement fines from non-residents because there is no reciprocity agreement as required by law. This has been confirmed by the Mayor of Washington DC and has been reported in the news. A letter was sent to Harris and Harris on XX/XX/XXXX informing them of this and to stop contacting me, but they have attempted to contact me by phone at my work 7 times after they received the letter. I have all the voice messages and logs of the phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 a credit report was mailed out, report number XXXX XXXX XXXX this report did not include my email address and I have requested the email to be updated several times, the only way to submit a dispute is by logging in. The login email was changed by identity theft. The old email address was added back for reset options and every time I try to login to my account the person who has access to that old email address is notified of my attempt to sign into my own account. They are abusing me financially and have also contacted several banks and made changes to my accounts with the use of my credit report, social and the old email address. Experian has refused to send me a current credit report with the email information or how to change it for logging into the new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiry on my report from Credit Tech on XX/XX/2019. 

Credit Tech XXXX, CA XXXX I have not applied for any credit nor provided consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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: Vehicle loan or lease

I make my car payments using my account and routing numbers for the past 3 years. Recently on XXXX  an amount of XXXX $ was bounced back from my account. I made a payment using a different account number and routing to avoid any late fees on my account. I thought this problem have been resolved when I called it in and spoke to a customer representative of Santander consumer bank. Today XXXX  i tried making a payment, I spoke with a representative and a supervisor who informed me that I would have to make at least XXXX debt card payments from them to unblock my account which is a fee of XXXX $ each transaction. I wasnt aware of this policy until now that I am having this issue, I wasnt giving any warnings or notifications regarding this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
Product: Checking or savings account

on XX/XX/XXXX two checks were presented against my checking account. I did not have enough funds to cover the second one ( it was in my other BoA checking account ). BoA did not pay the check and charged a {$35.00} fee when batching occurred at midnight. At XXXX our Direct deposit funds were put in the account. The problem and my complaint is that when I tried to rectify and pay our vendor today ( since the check bounced ) BoA in addition to not paying the check, charging me a fee ( both of which i don't dispute ) they still took the full amount of the check out of my account and said they will not be returned until Saturday XX/XX/XXXX which leaves me with no way to pay our vendor. If you decide not to pay a check and charge of fee for insufficient funds - you can't then also take the full amount? Then at XXXX on XX/XX/XXXX I got an email from BoA notifying me of the overdrawn account and to deposit funds so that items don't bounce ( but obviously that is not helpful nor true as you already haven't paid the check and charged a fee ). This resulted in me not being able to pay our vendor today as you have taken the funds even though you haven't paid the check - i don't think this is fair, you can not pay the check or you can take the funds and pay the check but you can't take the funds and not pay the check!
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit card or prepaid card

Capital One promotes a credit for Venture credit card customers whereby a purchase of XXXX XXXX or XXXX XXXX will be credited back to the account to fully offset the amount spent. This was promoted to me as a Venture One cardholder despite ( as I discovered months later when the credit never posted to my account ) that type of account being excluded from the promotion. The names are practically synonymous and there was no clear indication that Venture One accounts were excluded from the promotion. 

I attempted to resolve this directly via Capital One 's customer service, which is when I learned that the promotion directed at me was not, in fact, applicable to my type of account. I received several conflicting responses, was disconnected and had to start over with a new representative who gave a conflicting set of facts. No one at Capital One provided an explanation as to why the promotion was directed at me when my type of credit card was no eligible and no one offered to fix the problem by crediting my account.
Product: Debt collection

Account charged off by original creditor. Creditor failed to provide IRS Form 1099C. Remove info from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and Fraud. I had sent in a police report in the previous filing. Please not this, and remove these accounts immediately. I shouldn't have to keep doing this to protect my credit.
Product: Mortgage

On XX/XX/XXXX, PHH Mortgage Co sent me a letter stating " this is a final notice that your hazard insurance policy expired '' Previously, on XX/XX/XXXX, we furnished a copy of our XXXX XXXX homeowners policy for the period XX/XX/XXXX thru XX/XX/XXXX via fax. 
There was no notice prior to the XX/XX/XXXX letter indicating any hazard insurance policy issues from PHH Mortgage. We received monthly payments and statements from PHH, loan XXXX XXXXXXXX with no mention of an insurance problem On XX/XX/XXXX, PHH mortgage sent a statement adding {$1100.00} to our mortgage principal balance for '' unscheduled from XXXX XXXX '' I called on XX/XX/XXXX at XXXX to PHH XXXX customer rep XXXX XXXX XXXX XXXX XXXX  who spoke in almost incomprehensible accent and confirmed my policy from XXXX XXXX XXXX XXXX was on file but could not guarantee a correction to my mortgage balance. I should wait a week or more to see. He said he could not confirm his findings to me via email, letter or text but to send a duplicate copy of the aforementioned policy to his insurance dept. which I did. 
They sent a copy of their insurance policy from XXXX XXXX XXXX XXXX, Issue XXXX which duplicates my XXXX XXXX XXXX for the period XX/XX/XXXX thru XX/XX/XXXX ( therefore backdated ). 
This looks like a scam.
Product: Mortgage

XXXX mortgage company is refusing to sign documents in an effort to get assistance for my mortgage. I receive assistance through XXXX in which I was granted assistance. XXXX has denied me access to receive this assistance. My case manager is XXXX XXXX who has not returned my phone calls. His number is XXXX. We are in dying need of assistance and this company is refusing to grant us the assistance.
Product: Checking or savings account

Formal Claim Against UMPQUA Bank for Unauthorized Withdrawal and Failure to Resolve Dispute To Whom It May Concern, I am filing a formal claim against UMPQUA Bank for the unauthorized withdrawal of {$760.00} from my account on XX/XX/XXXX. I have not provided any authorization or shared my bank information with your company, nor do I have any business dealings with UMPQUA. Despite my continuous attempts to resolve this issue, UMPQUA has refused to respond to my inquiries or provide any resolution. 

Unauthorized Charge : On XX/XX/XXXX, a charge of {$760.00} was withdrawn from my account without my consent or authorization. I have no business relationship with UMPQUA Bank, nor have I ever authorized any transactions with your company. 
Attempts to Resolve the Matter : I have attempted to contact both XXXX  XXXX XXXX and UMPQUA Bank multiple times to dispute the charge. I have made over 26 phone calls and sent several emails requesting support and assistance. To date, I have received no response from either UMPQUA Bank or XXXX  XXXX XXXX. 
Failure to Reopen the Claim : Despite following the necessary steps and opening a police report as advised by a XXXX  XXXX XXXX representative on XX/XX/XXXX, UMPQUA Bank has refused to reopen the claim or take any further action to resolve the dispute. This is in direct violation of my rights under the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Billing Act ( FCBA ).

Refusal to Provide Provisional Credit : As required under EFTA ( 15 U.S.C. 1693 et seq. ), UMPQUA has failed to issue a provisional credit for the disputed amount. Furthermore, the institution has not conducted a timely investigation into the unauthorized transaction, further complicating the resolution of this matter. 
No Response from the XXXX XXXX XXXX ( XXXX  ) : I have filed a complaint with the XXXX XXXX XXXX ( XXXX  ) regarding this issue, but I have received no response, acknowledgment, or resolution to my claim from them either. 
This ongoing negligence by UMPQUA Bank has caused significant financial and emotional distress. UMPQUA has failed to act in compliance with consumer protection laws, leaving me with no option but to escalate this matter to regulatory authorities. 

If UMPQUA Bank does not resolve this issue and issue the refund within 24 hours, I will be forced to pursue further actions, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to recover the stolen funds. I will also be seeking compensation for the damages caused by this ongoing issue. 

I trust that UMPQUA Bank will take immediate action and resolve this matter in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

equifax, XXXX XXXX XXXX can provide me proof of any of my disputes, the creditors are reporting late payments for charge off and collection
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I request their immediate removal from my credit report.
Product: Checking or savings account

Being in business for 44 years I made an application for Paycheck protection program for {$4100.00} in XX/XX/2020 with Wells Fargo bank with whom I have had 2 XXXX  checking accounts for over 25 years ( the bank used to be called XXXX XXXX then XXXX before it was sold to Wells fargo ). I finished the application, uploaded all the supporting documents on XX/XX/2020 and Docu-signed it. I did not hear from them at all. They did not provide any contact information and asked customers not to try to contact them. I am afraid Wells Fargo might have stolen the fund from me just like years ago on 3 different occasions that I had noticed monies were missing from my 2 XXXX  accounts. Their branch employees and managers who later suddenly disappeared had no explanations on why and how money was taken from my accounts until we found out later about the big Wells Fargo scandal in the news.They never returned the stolen monies to me.
Product: Debt collection

I am filing a complaint against XXXX XXXX and Midland Credit Management due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX and Midland Credit Management have been harassing me 3-4 times a day on top of adding fees and extra money to the total even though i told them i dont remember that debt and to please stop harrassing me. They have even threatened to take my bank account money and repo my car leaving these accounts vulnerable and Furthering my credit down even worse it is seen as derogatory. I have gotten in trouble at work before for the amount of times theyd call a day. Furthermore, their dispute resolution process was unfair and deceptive, Ive spoke to several people and disputed several times they say theyll take it off but never do and it ends up just being raised in amount. These actions have caused significant inconvenience and financial loss, credit drop and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : TransUnion is reporting a payment status of current with no late payments, XXXX  is reporting a payment status of current with no late payments and XXXX  is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit card or prepaid card

Dear, US BANK/ELAN FINANCIAL SERVICES This letter is in regards to the account ( XXXX ) reporting to my XXXX credit file. I am requesting that you contact XXXX in good faith and agree to delete/remove this account. It is set to be deleted/removed on XX/XX/XXXX which is 16 months from now due to the 7-year limitation negative reporting rule.

This account was fraudulently opened and used back in XXXX of XXXX. I have repeatedly tried to reach out and have this issue resolved due to the hardship this account has caused by being on my credit report while dealing with the damages of COVID-19. 

XXXX XXXX
Product: Credit reporting

Transunion continues to report that XXXX of my loans from XXXX XXXX are filed in bankruptcy. All XXXX loans were paid, never late and in full. I have provided them with a letter from XXXX XXXX that states these accounts are being reported incorrectly. Transunion sent me a letter stating that the information would be updated correctly and sent a new report with updated information. Now, a few months later the report is saying included in bankruptcy again. I have disputed this multiple times. They will no longer accept a dispute online. I have to mail the same information to them over again. This has caused me multiple credit denials in the last few months. I want to know how to fight this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.
Product: Credit reporting or other personal consumer reports

Im sending this complaitns to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to delete these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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 a account without my written instructions|
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my Transunion and Experian credit report. The fraudulent accounts are as follows : 1.DEPTEDNELNET Open date : XX/XX/XXXX, XXXX. XXXX Open date : XXXX XXXX, XXXX XXXX XXXX Open date : XXXX XXXX Open date : XXXX XXXX, XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year>, US Bank closed my account. My payroll of {$4700.00}, by the XXXX XXXX XXXX was deposited on the same day. US bank will not tell me why they are closing my account and they will not release my funds. They communicated that they mailed me a letter with an explanation but I have not received the letter. They also will not communicate when {$4700.00} will be reimbursed. Since US Bank was my only account I have no access to funds and am now XXXX sleeping outside, because I can't pay rent.