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

Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019XX/XX/2019 
XXXX XXXX   XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY
Product: Student loan

I had a total of five loans with Wells Fargo. These loans were originally disbursed between XX/XX/XXXX-XX/XX/XXXX with another lender and then transferred over to WF in XX/XX/XXXX. I did not personally make the transfer ; it was a matter of banks selling loans to each other. 

In XX/XX/XXXX, I received a letter stating that WF had charged me higher interest on my loans than what should have been, and attached was a check for {$16000.00}. 

In the short letter, there was no other description of the error, such as how exactly they had calculated the refund amount. 

I called the number on the letter for clarification. I wanted a detailed explanation on which loans, for how long, and what exactly was the overcharge on the interest percentage. 

I was handed over several times to different departments because no one really knew the answer to my question. About a week later, a XXXX XXXX at XXXX ext. XXXX returned my call and told me the interest rate overcharge was .25 %. I wanted to know which loans, and for how long and he did not have that information for me. He transferred me over to XXXX who could further assist me. This next lady also did not have any of the numbers I was looking for but promised to reach out to me in writing with a resolution. That was XX/XX/XXXX. 

By today, XX/XX/XXXX, I had not received any communication from WF other than a letter telling me cash the check quickly or else the check will become null and void and I will have to retrieve it through the Treasury. 

I called the XXXX number again and spoke with another lady who looked into the matter for me. She came up with the following information : Loan 1 - disbursed and overcharged since XX/XX/XXXX. Difference in interest I was charged and what I should have been charged : XXXX Loan 2 -  disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX Loan 3 - disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX These three make up the {$16000.00}. I asked her if it included any interest since I was overpaying for a period of about 15 years due to errors on the part of WF. She said no, that the loans had been transferred to WF with the interest already being overcharged and they did not know it when it was happening.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account WELLS FARGO XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting or other personal consumer reports

The law states 15 U.S. 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICIAL DEMAND NOTICE On XX/XX/2023, I filed a complaint with CFPB against, Experian, XXXX and XXXX. As of today, some or none of those disputes have still not been resolved. 

Further, with regards to the investigations that the bureaus have stated are complete, upon pulling my reports today I find numerous inaccuracies.I am baffled that these accounts came back " investigated and certified as accurate '' when there are glaring discrepancies with all XXXX bureaus of said accounts. I am aware that by federal law, these accounts must be 100 % accurate if they are to be reported or they must be deleted and I am entitled to compensation for these willful violations under 15 U.S.C. 1681 Code.

According to 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 


Accounts in Question : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( THIS COMPANY HAS REQUESTED THAT THIS ACCOUNT BE DELETED, HOWEVER, THE CREDIT AGENCIES REFUSE TO REMOVE IT ) XXXX XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Payday loan, title loan, personal loan, or advance loan

I originally took out a loan of credit for {$3500.00}. I didnt realize there were so many fees attached to every payment. I have had to advance more money to get back money to keep paying my bills so its become a vicious cycle. I have paid probably close to {$8000.00} in payments and I still owe almost {$3500.00}. Right now my payments are around {$200.00} biweekly with only about {$15.00} going to the actual lone. I live in NJ. This practice is definitely predatory and Im poor and I cant get ahead. I cant survive on nothing.
Product: Debt collection

False claim or representations violation co-conspirators were and are a debt collector under the FDCPA. 
Ocwen loan servicer Attached by XXXX XXXX of the office of ombudsman team at ocwen loan servicers claims that my loan was originated by XXXX and attached lost note affidavit to support it claims which is false. MY loan was originated by XXXX XXXX XXXX. 

This a matter of Public concern which ocwen loan servicing LLC and its con conspiracy XXXX, XXXX XXXX under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 

Indecome global services, XXXX XXXX, XXXX, Ocwen loan servicing LLC . 

XXXX frivolous lawsuit is nothing more than an invalid effort to harass and intimidate me in Violation of Federal and State statutes and, in addition, common law torts, including fraud, in Connection with foreclosure actions prosecuted by debt collector XXXX XXXX XXXX .ON Tens of Thousands of XXXX Foreclosure Frauds Orchestrated by 'Foreclosure Mill ' Attorney & Banks '' ( co -conspiracy ocwen loan servicing XXXX XXXX, XXXX , XXXX law firm XXXX were acting as debt collectors " pursuant to federal law '' as a collection agent for XXXX is actually representing XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fka XXXX as successor to XXXX XXXX XXXX XXXX as trustee FOR ramp XXXX and ocwen loan servicing, XXXX same services same as XXXX ) XXXX president ( indictment ) XXXX XXXX as attached she admitted to the types of activities that XXXX, ocwen loan, XXXX XXXX, XXXX XXXX are involve in around the counties around XXXX .see attached A XXXX search produces numerous articles and blogs referencing XXXX, XXXX, ocwen loan servicing robo signing, back dated documents, fraud documentation participation in the foreclosure crisis in XXXX in Associated with ROBO signing. 

XXXX XXXX XXXX LAW FIRM are attorneys who knows better, yet their foreclosure filings for parties who have no standing to sue confuse the courts and homeowners while he and his banking clients con conspiracy bank profit tremendously by throwing people on the streets. 

- '' Courts have rules and laws are made to be followed. XXXX XXXX needs to follow the rules and be accountable just like the rest of us, else we 're all victims to one big XXXX XXXX scam. '' - '' This is the biggest fraud in history, and it 's being done by the attorneys. ( XXXX XXXX XXXX The banks would n't be able to do it without the attorneys, '' ( XXXX XXXX XXXX law firm XXXX, XXXX, XXXX XXXX, XXXX XXXX ) - " These attorneys are not acting like attorneys. '' - " Theyre making up their own rules, and thats what frauds do, '' ... '' They 're just making stuff up. '' XXXX XXXX XXXX assignment fraud XXXX XXXX fraud assignments alphabet soup non existence `empty trust Photo shop mortgage note ( counterfeits checks, money " The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. )
Product: Vehicle loan or lease

GM Financial ( Americredit ) approved me for an auto loan through a dealership and I traded in my other vehicle, signed and drove home with my new ( used ) vehicle. Before signing all the paperwork, they had me submit drivers license, property bill, insurance, last 2 paystubs. About 2 days after buying the new vehicle, I started getting harassing phone calls from a number in Arizona, telling me they were trying to contact my company and verify employment. This feels like it was not an issue for me, so I simply told them to call the number for our HR that is on the paystub and they can verify like everyone else. They didn't like that it's during COVID and that nobody is in the offices, so they continued to harass me with other requests, including asking for company private information that could end up with my termination for disclosing " private '' information. They then claimed that they reached someone in HR, but the person who verifies employment isn't in the office and they don't know when they'd be back. Instead of waiting, or taking my paystubs and tax records as proof of employment, they demanded 2 new paystubs and 3 months of bank records that showed the deposits coming in. Once I provided those, that was no longer " good enough '' for them and now they are insisting on a conference call with XXXX XXXX ( waisting even more of my time ) to verify the deposits were actually made? This seems incredibly strange since it's almost impossible to fake something like this, but also since I've already been approved and finalized all my paperwork. I don't know of a solution, but this is like nothing I have ever seen, heard of or experienced in my entire life.
Product: Credit card or prepaid card

USBank is increasing APR interest rates on customers with " Good Credit '' which I see is an unfair practice and then they will review after six months if I qualify for an APR reduction. As a good consumer, this looks like they are trying to increase their income by increasing my interest rate to 18.74 % which is unfair for someone with a credit score of XXXX. Based on the scoring models commonly used by financial institutions, my rating is considered " Good Credit ''. My payments were on time and always more than the minimum payment required.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. # XXXX have 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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. 

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  has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the Fair XXXX model is flawed because it does not take into account situation.
Product: Credit card or prepaid card

I purchased US Bank prepaid XXXX # XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XX/XX/XXXX and discovered that money has already been stolen from these cards in XX/XX/XXXXvia purchases on XXXX and XXXX XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BK OF AMER Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2017 I was charged {$4000.00} on a card that someone had put in my name. The company then closed my account because of missed payments and when I tried to dispute the charge, they said they couldn't help because my account was closed.
Product: Debt collection

I have contacted Experian and also I have disputed several times an account from XXXX listed on my credit report as derogatory with an outstanding balance. I have paid off the account. I will attached the paid off letter to this complain which was also sent to Experian. I also called XXXX and they have confirmed my account to be paid in full with a Zero Balance. And Experian keeps saying that they verified the account to be accurate. They are lying and they are breaking the law under FCRA, by proving erroneous information on a credit file of a consumer. It is the on account under Home Dept listed as Original Account last 4 : XXXX Creditor : XXXX Regarding The XXXX XXXX XXXX Credit Card XXXX and XXXX are refusing to delete the account even when I have provided evidence of the account being paid off.
Product: Checking or savings account

I can not buy XXXX  on the XXXX  website. I don't understand the problem with this.
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There were a few times that I disputed this bankruptcy with XXXX the dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and presently. I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus, and I got a letter stating they do not report any bankruptcies to anybody. So, if that's the case. How did the credit bureaus edify my bankruptcy XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

According to : 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: Credit reporting or other personal consumer reports

Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX are reporting as negative non payments on my credit even though the accounts are closed. 

Experian in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!