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

Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX, {$2800.00} XXXX, {$740.00} I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) 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.

AND according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX/XXXX/25 KIKOFF INC XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Subject : Request for Debt Validation Dear XXXX XXXX XXXX I am writing to formally request validation of the alleged debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The original account number associated with the debt.

3. A copy of the original contract or agreement that legally obligates me to pay the debt.

4. A detailed breakdown of the amount you claim I owe, including any interest, fees, or additional charges.

5. Proof that you are legally authorized to collect this debt.

6. Documentation showing the statute of limitations has not expired on this debt.

Until I receive proper validation, I request that you cease all collection activities, including reporting this debt to credit bureaus. Additionally, if you attempt to collect without providing the requested information, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please respond in writing within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo keeps wrongly applying nsf fees to my acct. A problem for which they have been sued for before. Prior to their lawsuit, I never had a problem but since their lawsuit I always do. My balance on my end reports that I have funds available. So I make my purchases accordingly. If something comes thru and my acct is negative, the allow us time and send texts to correct the problem before applying nsf. That happened recently and it only happens when my acct is low. If I have money in my acct they let items pend for at least XXXX  days like they are waiting for an oppty. But on my side I get the alert, it corrects and NEVER shows my acct as negative bit always having money and positive. But the next day the give me nsfs on fees paid when my balance is positive. I never see the negative balance and if they alert me I rectify it immediately. But then they apply nsfs. I always have to call in and argue for them to reverse it, and they do but they say it's night time processing. How the XXXX do I know what is going on at night and if you tell me my balance is positive how do I know to fix it. Additionally, why when I have money do you let a list of XXXX transactions pend for almost a week! This is very shady because they are not providing me the appropriate information nor honoring me transferring money in my acct. It just seems like they picked new victims. I'm sick of this. They never honor the rewind policy they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received a call, notice, or letter about this debt and that violates my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. 

Remove EmploymentXXXX XXXX As a consumer, I am demanding the deletion of the account below. I have not received a 1099c form for the following accounts that are reporting profit loss and charged off. I would like to see compensation as I have disputed this numerous times and my rights have been ignored. THIS IS FRAUD XXXX XXXX {$15000.00} reporting charge off 60-89 days late profit and loss write off XXXX {$32000.00} inaccurate, reporting charge off 90-119 days late paid profit and loss XXXX XXXX XXXX reporting 30-59 days late reflects 100 % payments made ontime remove 30-59 days late XXXX reporting charge off 60-89 days late, paid profit and loss XXXX- {$500.00} reporting charge off 120 days late, paid profit and loss As a consumer, I am demanding the deletion of the accounts below. Please remove all inquiries which I did not authorize or give consent : Hard inquiries please remove : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved an alert about a credit inquiry for XXXX XXXX XXXX XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a missed payment on both of my credit card accounts 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I dont owe XXXX XXXX  {$170.00}, my insurance paid for everything. Therefore, I suggest you that you stop harrasing me. If you have any questions contact my health insurance. On the other hand, also XXXX XXXX  broke the contract with me and my insurance. Furthermore, I dont have any responsibility with Credit Collection Services.
Product: Debt collection

On XXXX I received a debt collection letter from Halsted Financial Services , LLC ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as XXXX XXXX ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with XXXX XXXX ( a PayDay franchise ). Someone used my identity to borrow this amount from XXXX XXXX sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from XXXX XXXX, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of XXXX XXXX  XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to Halsted Financial Services directly, but I know the XXXX has and was advised to take it up with XXXX XXXX. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with XXXX XXXX. I believe XXXX XXXX is complicit in many other such fraudulent loans.
Product: Debt collection

Bull City financial Solutions have placed an inquiry on my credit report stating that i owe debt from XX/XX/2023, i have never known this business or done business with them and theyre sharing my information illegally violating 15usc 6801
Product: Debt or credit management

I believe this phone call came from a traceable number ( they also said this in the recording-This is XXXX XXXX XXXX XXXX XXXX XXXX calling in regarding your account with our office This matter requires your attention call the number shown on your caller ID now to be connected to a live representative, who is ready for your call ) I have no account witXXXX XXXX XXXX XXXX, the number was XXXX. The only thing I can think of is debt to XXXX XXXX, which is not mine and that was removed from my credit report. But I just received a bill in for my collection company trying to collect the money when it was removed from my credit report.
Product: Mortgage

I requested mortgage assistance from my lender Shellpoint a few times now to have them come back and me you 1st have to come up with $ XXXX to $ XXXX, as a down payment. I do not have or have saved or could have saved during my hardship. I was willing to make my payment for the approval on XX/XX/2018 but they said they cant accept my payment for the trial plan till i pay them a down payment of {$20000.00} I dont have. My family and I have not lived in any means spending money that we could have paid the mortgage with, we cut out a lot of things for us and our kids for sports activities and other things as well as we do not eat out and we shop at the dollar store and you can see my bank statements showing we have so many over- draft fees, we do not have {$20000.00} to put up front.We have exhausted all we can to work with shellpoint and they only come back to ask for 50 % of the past due amount. I just dont have it. However the payments they had approved me for i can start making them but they wont accept nothing till i give them a down payment. I want to keep my home, my family and I love our home.
Product: Student loan

I have made over 120 payments to qualify for the public service loan forgiveness program. My account has been in " review '' of this for a year!!!! ... without any answers ... with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : I have requested numerous times for Equifax to properly reinvestigate the following accounts : Account Name : XXXX  XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days Equifax is aware they are reporting inaccurate information and continue to violate multiple violations, knowingly in violation of my consumer rights. 
I have requested for Equifax to provide me with proof of this alleged payment being late, as well as a detailed description of all reasonable procedures used in your reinvestigation process to determine the complete maximum accuracy of information reported on my credit report. Due to not providing proof of payment being late or lack of proof of payment being late, Equifax 's responsibility was to proceed with updating the payment history to paid as agreed never late ( PAANL ). 

In accordance with the Fair Credit Reporting Act, Equifax, has violated my consumer rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA credit reporting agency, Equifax, is required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.
Product: Credit reporting or other personal consumer reports

I am unable to freeze/unfreeze my credit report with Equifax. Their website does not allow me to do so, indicating the following : We are temporarily unable to retrieve the status of your security freeze. Please try again later. They are also not allowing me to do so via phone. This issue has now been ongoing for 6+ months. I did some research online and found out that Equifax does this to many people, likely to force you into buying one of their products. I have a legal right to be able to properly access my credit report and to freeze/unfreeze my credit and Equifax is preventing me from doing so, this is harming me and my credit profile. I also feel unsafe because I am unable to protect my credit properly due to Equifax. I am requesting help from the CFPB against this company, they are putting me at significant risk. I am a veteran and should not be mistreated in this manner.
Product: Credit card

Kindly examine the attached files. My request is for the bureau to begin an investigation into these accounts, for which I've always been on time with payments, but they are incorrectly marking me as late.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my XXXX  reports
Product: Debt collection

Below is the transcript of a voicemail received on XX/XX/2017 : You 've got a new voicemail from Unknown Caller. Transcript : This message is intended for XXXX XXXX this message tended for XXXX XXXX. My name is XXXX XXXX. I 'm with the XXXX XXXX XXXX calling to inform you that I received a very important documentation my office today under your name is social security number ending in XXXX. I 'm calling to inform you that you have a pending civil claim that 's being filed to get you. I understand if you 're not sure what 's going on also provide a member for you. This is the number of the filing party me questions or concerns that number is XXXX again. That is XXXX and when you call please refer to claim number XXXX please verify the schedule service, unless. I hear differently pro p bus to take you to get you have to excuse me. Have a good day and good luck. 

I called the number. The person answering identified the company as American Credit Financial and I was told that unless I paid $ XXXX That there would be served with a felony intent to defraud action and be arrested for failure to repay a payday loan. 

I informed the debt collector that I had filed Chapter XXXX shortly after incurring the debt. She responded that it did n't matter, I either paid it or I would be served and arrested. 

I asked for their mailing address so that I could send them the bankruptcy documents, and she said they do n't give out their mailing address.
Product: Debt collection

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  amount {$880.00} XX/XX/. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX with financing though Byrider on XX/XX/2022 at XXXX. My total payment amount once the car is paid off will be {$33000.00} which is three times the amount the car is worth. I went to the location I purchased the car from and told them I wanted the purchase unwound and that I want my trade car back and my down payment refunded. I have been given the run around by both the sales side and financial side. I was told specifically by the general XXXX that Im not the first person that this has happened to, which leads me to believe that they have done this many times before and deliberately just to make money off of desperate people.