23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/year> around XXXX Hawaii XXXX, a number ( XXXX ) XXXX a debt collector was calling to try and collect for Credova , she said she worked for a company called XXXX XXXX debt for Credova. I did not verify any information however I did quickly respond to her saying please stop calling me, yet she kept talking over me. I asked her again to please stop, she still kept on going which I then hung up.
Product: Credit reporting or other personal consumer reports

Osla is not responding I dont believe they are still in business!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I filed a complaint with the CFPB concerning an account furnished by COMENITY BANK. This company was notified per CFPB Complaint ID XXXX that the accounts associated with them is being reported incompletely. The accounts are missing payment history information and in the place of those missing payment records, there are notations of ( ND ) " No Data ''. Per the Fair Credit Reporting Act accounts that are incomplete or can not be verified must be modified or removed from my consumer reports per 15 USC 1681i ( 5 ) ( a ) ( i ). I have already provided per the initial complaint my consumer disclosure report that is showing blatant missing payment history info. This company had been put on notice and they are now in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I don't care who owns this account, it is still being reported directly from COMENITY BANK because they are still required to report the account as charged off. If they are still required to report the account as charged off, they are still fully responsible for the accuracy in the way it is being reported. FCRA still applies to you while it is still on my report. This account is hereby disputed for verifying an incomplete account. delete the accounts that you are reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.
Product: Credit card or prepaid card

i had a amex XXXX XXXX XXXX card. which gives 5 percent back on purchases from XXXX. i spent this past month over XXXX dollars from XXXX which is about XXXX points worth XXXX dollars. amex opened up a financial review of my card. asking me for bank statements and the like. i uploaded everything they asked for. they still decided to terminate my card and now they do not want to give me my points because ny account was closed before the statement closed. i do not feel its right that when they decide to close my account with no fault of my own that they can just not give me points which i had rightfully earned. i tried calling many times the agents do not know what side is up everyone tells me something else but i still do not have my points
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 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 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: Debt collection

I have been contacted at XXXX for a consumer by the name of XXXX XXXX. I received 4 calls starting on Thursday and have told the person calling on a auto dialer that this is not XXXX   phone. After I got a call today I called back and asked for a manager to be sure the matter had been resolved and the person answering the phone refused a manager. This is not only harassing, it is also a violation of the TCPA. I have never given this company permission to call my cell phone with an auto dialer.
Product: Credit card or prepaid card

I had a credit card when I was XXXX and was not smart with it and ended up oweing XXXX XXXX around {$28000.00}. Went to court for it about 9 years ago and made payment arrangements. For 9 years I paid them and got the bill down to about {$20000.00}. One day my balance was all the way down to about {$9000.00}. At this point I was glad to be able to pay it off so I settled with the for {$7200.00}. I was never given a reason for my bill dropping {$11000.00} over night. I feel that I might have been taken advantage of at one point. I would like to know if anything Illegal was done. I feel I might have been taken advantage of. Thank you
Product: Debt collection

Per the Fair Debt Collections Act : " ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' I have been harassed and corned in my own house to accept responsibility for a debt that I do now owed.
Product: Credit card or prepaid card

CFPB + Capital One, This is for Capital One account ending in XXXX. 

On my latest XXXX credit report dated XX/XX/XXXX it states I have 90 day late payment on XX/XX/XXXX and 120 days on XX/XX/XXXX. 

Capital One according to your attached letter - you were removing all late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The secured credit card account was closed, with a {$0.00} balance, on XX/XX/XXXX. 

However, XXXX is showing I have late payments on XXXX and XX/XX/XXXX- which is not correct, as the account was closed XX/XX/XXXX. 

( By the way XXXX and XXXX do not show this ). 

Can you please prepare a more clear letter from Capital One that states this? 

I have tried to rectify with XXXX and they say you need to provide them and myself a letter stating as such so they can remove. 

Attached to this CFPB complaint are : - drivers license - social security card - address - snippets of the credit report - your letter to me that needs to also add the parts to remove late payments for XXXX and XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

End of 2019 unfortunately I was suffering with XXXX XXXX and XXXX so i was forced to turn in resign job. I had personal loan of credit with wells Fargo less than XXXX remaining to pay which i used for home remodeling. Since i was out of job my boyfriend then offer to make monthly payment. Then i Was offerd 0 % intrest from XXXXXXXX XXXX  to pay remaining XXXX from wells Fargo and other bills i had. Then Covid hit all over the world and my Wells Fargo Bill went up to XXXX XXXX  back by the shopping i never did and the payment of i dont know what ... Time to time wells fargo leaves message saying suspicious activity to all of our account meaning my XXXX children XXXX was under XXXX at the time. I spent enermous hours of my time on the phone with wells Fargo and went to their sites one infront of FBI Building and XXXX XXXX XXXX XXXX XXXX crying asking for help to resolved this situation but no luck. XXXX as well i went to site wearing mask during Covid to find out if the money was sent to wells Fargo. I went through XXXX XXXX XXXX XXXX XXXX XXXX  during Covid but between this XXXX bank i was smashed with XXXX  and worst. over 3 years i was paying to wells Fargo and XXXX with help of my then boyfriend and Daughter. Now both of this XXXX bank dont have answer who got my loan. they blame on each other and the amount i owe them always goes up by ruinining my credit.Please help. I bank with Wells Fargo over 20 years and i felt stupid not by closing my account when i saw a huge sign at XXXX XXXX VA of WELLS FARGO IS A RIP OFF i still bank with them and open both of my underage kids account. Then they always making mistake by giving my daughter money from my account and various many mistakes. They claimed i still owe them XXXX more but XXXX and Wells Fargo both should refund me my all the money they messed up. 
Thank you-
Product: Credit reporting or other personal consumer reports

My account with those crediotrswas 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 those account 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 21 days before the payment due date.

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The XXXX and Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Student loan

On X/XX/17 I filed a complaint against Sallie Mae in which they have still not sent any response to. I also would like them to send me a copy of all loan documents from XXXX XXXX that shows my signed signature on it. I have been trying to get this problem of falsely showing late payments on my credit report when in fact the loan was in deferment. And there are several loans for XXXX XXXX when in fact I only applied once for a medical billing course.
Product: Mortgage

In a divorce decree the court order states that XXXX XXXX XXXX was awarded the home. He should EITHER refinance or assume the loan in his name only. XXXX XXXX and XXXX XXXX divorced XX/XX/2016. Since then XXXX XXXX changed name back to maiden name XXXX XXXX. I, XXXX XXXX have petitioned the mortgage companies several times throughout the years and it has been a dead end at every attempt. My name is no longer on the deed and yet I can not get my name off of the mortgage. Mr XXXX can not refinance because his credit score does not meet the minimal requirement and yet I a held hostage to a mortgage that I am no longer the owner and my name is not on the deed. Essentially, I am being held hostage to a home that I no longer own. When I present the divorce decree to the mortgage companies it is ignored. They just tell me to refinance which he can not. I can not move on with my life in the purchase of my own home because it affects my credit scores when Mr XXXX is late on a payment, etc.
Product: Credit reporting

The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. 
However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.
Product: Debt collection

Consumer Collection Management has been removed from one credit report a few times, but it keeps coming back, after it gets investigated and then removed. They have also made slight changes each time they resubmit it to the 3 reporting bureaus. Each time we have asked for proof of the debt and all we have ever heard, is because we have a form?! Where is the proof? Without proof they get removed, but then they come right back.
Product: Credit card or prepaid card

Chase Credit Card from XXXX  has sold out to XXXX XXXX as of XX/XX/XXXX However, I contacted Chase regarding a charge from XXXX XXXX in {$50.00} non-requested, they would not accept my dispute. The recent bill shows the {$50.00} has been credit to my account and now there is {$130.00} charge from XXXX XXXX XXXX that I did not by or charge to this card. I have spent 7 days off and on calling Chase, they are not responding, you go around and around Chase has sold out to XXXX and the fraud is that XXXX is not answering either. Chase statement states PAYMENT DUE DATE IS XX/XX/XXXX : XXXX states " Beginning XX/XX/XXXX at XXXX ET you can pay your Credit card bill by visiting XXXX. This is the worst kind of fraud. Plus Chase will charge a late fee if you don't pay on time. I sent Chase ( *Cardmaster Services ) a certified letter mailed today disputing the charges and I would like to FAX these papers to you and you can read them I know that you are very busy. I want to cancel this chase card and never connect with XXXX that is in the XXXX both US and Not US and this connection is fradulent. XXXX
Product: Credit reporting or other personal consumer reports

HARD INQUIRY WAS NOT COMMITTED BY FRAUD XXXX XXXX XXXX XXXX
Product: Student loan

I went to XXXX universities with the promise that I would get a job that would enable me to make good on my investment in student loans. XXXX My family took good care of me and wanted me to be successful, and I strove for that -- especially in the wake of my parents ' divorce. I was high school XXXX, ran XXXX, XXXX in school XXXX, etc. I had XXXX and XXXX GPAs at my universities, respectively. I am a good person, and I pay my bills on time. I currently have a full-time non-profit job. However, my credit score -- which is terrible on account of delinquent student loans -- is holding me back from obtaining everything my peers have obtained by this age, my parents obtained, and the generation before them obtained. It is made more tragic by the fact that at XXXX, when I was out of college and XXXX, that I began to have a breakdown. I was attempting XXXX I was facing. During this time, student loan companies began asking me for amounts of money that even with a full-time job I could not afford to pay. I ended up having to take extended XXXX leave and eventually resign my XXXX position. I was unemployed for a while, and could not keep up with any of my student loan bills. Years went by. I picked myself up, got work, sought ways to make myself better XXXX, and to become a productive member of society. I did all these things. Yet the companies that now own my student loan debt are holding me back from everything I spent the last 20 years of my life working for. Any amount of money I could even send them will not pay them off. It is hopeless, and it is wrong. I was a victim of my circumstances, I still suffer from bouts of XXXX, and I have XXXX documentation to prove it. I am asking for understanding and empathy. I am asking to be judged as the whole person, and not by sad events that happened when I was still practically a teenager. I am asking for all delinquent records to be expunged from my record. Permanently. I want this to then be communicated to all the major credit bureaus so that my score can increase. I want to be able to contribute to the XXXX economy by doing things like buying a home, buying a new car, etc. It is my right as an XXXX to enjoy the fruits of my labor. I worked hard as a teenager in school, then as an adult at every job I 've had. It is immoral to judge my ability as a consumer based on a downward spiral of events that happened XXXX. I am a good person. I have people who can attest to it. I 've never committed a crime, I 'm not mean to people, I donate to charity regularly. I never asked to be rich. I never asked to make XXXX figures a year, but it seems that 's the only way I would ever be able to pay back this debt. But the economy in this country does n't work that way, and people who struggle just to get out of bed in the morning like me ca n't even begin to process the insurmountable delinquent student loan debt I have. I suffered XXXX, and it is a direct cause of me being delinquent on my loans in the XXXX place. I am attaching a doctor 's report to prove this. Thank you for your time and consideration, and XXXX bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
My name is XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX, CA XXXX. There is no possibility that this is my debt. I have attached my address in my drivers license for verification. You will see that it does not correlate with your records and you must delete this account reporting to the credit agencies immediately. I do not wish to pursue legal matters but am prepared to do so. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Account Name XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Thanks for your help in this matter, XXXX XXXX XXXXXXXX Attached : Drivers License Copy 1 Page
Product: Checking or savings account

I came to the consumer complain And about this issue, before the bank said they had it result, in a couple of items the bank replied that they had it under resolve, they said that they was returning my money, 1 for a car two cars that I have purchased return, 1 for {$2200.00}, and another for XXXX, recording a purchase from XXXX in return. They gave me back {$1000.00}, still remaining balance of the {$500.00} I did not receive. But the bank said that they had it results. They asked me for other documents. But never returned the money. Up on the car for {$2200.00}. Document I gave them to him. And they close the case. Never letting the merchant the car dealer do his job. This was supposed to been a return item. Upon a return item a car dealer is going to pick up his car repos his car. The bank consistently held onto my money. And close the dispute. This was Bank of America. In another case of a dispute. At a hotel. They're supposed to give me a return. Do banks still have not returned that money. They sent me a letter of apology. And that they was returning the money. I still have not received that credit.