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

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - XXXX in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX & XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
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 : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  XXXX 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: Checking or savings account

I have a checking and a savings account with Citi. Unfortunately, Im currently traveling to XXXX with a medical condition, and about XXXX hours ago, they blocked my card due to the issues that no one could explain ; except a back office that they claim they dont have access to. In contrast to other banks, where a quick text, call, or email would have resolved the matter, Citi decided to block my card outright without a single call, text or notification. Even the app on my phone shows everything as normal. The office responsible for handling the issue is only operational during business hours, leaving me stranded for XXXX hours without access to food or medical care until this morning when I called them for the fourth time and explained my medical and physical condition and begged them to unblock the debit card so I can buy food or see a doctor. This time, they informed me that I would need to wait another XXXX hours, which, considering the weekend, will extend to XXXX days. No human being would survive that long with XXXX XXXXXXXX XXXX. The only option they offer me is to go to a Citi branch, although theres no branch in this city. Im XXXX XXXX XXXX and unable to reach the airport or hospital. I urgently require immediate access to my funds.
Product: Money transfer, virtual currency, or money service

It was about a month or two ago i cant get into my account or make a new cash app account i believe they closed my account because I asked for a refund on 3 of my orders
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX. 

that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX, Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


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


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


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported to TransUnion that I missed a payment. XXXX  XXXX XXXX transitioned my loan servicing to XXXX XXXX XXXX as of XXXX. I am submitting via the attached documents proof that I have not missed a payment. I want this information to be corrected on my TransUnion credit report ASAP. I would also ask that XXXX make sure they submit this corrected information to the other 2 credit reporting agencies to avail me from having to submit further complaints about this issue to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and XXXX XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Product: Checking or savings account

I deposited a check at Wells Fargo on XX/XX/XXXX at XXXX in the amount of XXXX. Was told that due to my account status that a small portion {$200.00} would be available on XX/XX/XXXX, another portion {$4800.00} on XX/XX/XXXX, then the remaining XXXX on XX/XX/XXXX. I spoke with the manager on the phone, I called the XXXX number and was told they could not change this. I have deposited a larger amount check with some funds available same day and all by the next. Have deposited several checks all from the same Legal firm with no problem As to the status of my account, I have no Leins or overdrafts. When I requested to close my account they refused and called the police. They are trying to disperse my funds at their discretion. So now I can not close this account and bank elsewhere until after XX/XX/XXXX when all my money is available per Wells Fargo. According to the Regulation CC on Federal Reserve. Gov. The max amount of time they can hold funds is 5 days and then have to prove why they are holding funds. They have proven nothing and are holding a portion longer then 5 days. This occurred in XXXX Co. at the XXXX XXXX branch of Wells Fargo and according to the Police Officer in the state of Colorado the branch manager is the Boss, he basically can decide what he can do with peoples accounts, the Managers name is XXXX XXXX.I will be reporting this to every agency I can. I am also going to seek any and ALL Legal advise and action available, including contacting the current Class Action Suit against Wells Fargo
Product: Mortgage

LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. 
I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. 
I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 
2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX apt XXXX XXXX FL XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FD

CPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentatio
n showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state you
r permissible purpose for accessing my credit information. I disp

ute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this deb
t to another collector, please
Product: Credit card or prepaid card

I have a william sonoma credit card from barclays bank. this account was sold to XXXX XXXX  in XX/XX/XXXXto which i was not notified or given a new card. i put a balance transfer on this card around XX/XX/XXXX. i then wanted to pay off this card with a 0 percentage card offer from XXXX  . XXXX sent the payoff amount of XXXX to the information from my william sonoma card issued by barclay bank. i have the etf number and confirmation from XXXX on the transfer. barclays bank of delaware said they never got the payment and XXXX XXXX  who took over this account in XX/XX/XXXXsaid they never got the payment. i am now paying both credit cards and no one will accept responsibility for the payment. i have been continuously calling all three banks and getting no where. can you please help me. thank you XXXX XXXX email XXXX XXXX XXXX XXXX XXXX XXXX XXXX nm XXXX
Product: Credit reporting or other personal consumer reports

I have a BOGUS late payment on my mortgage loan account. i was never late. The company XXXX XXXX sent me my statement where it does not show ant LATE PAYMENTS. XXXX XXXX also said that I was never late. I send letters to the bureaus asking or deletion of late payment and they have not done so. please see the documents that will show you that there is NOT ONE LATE PAYMENT on my account. 
This needs t be deleted from my credit report ASAP and the bureaus simply say that this issue has been UPDATED or VERIFIED!
Product: Credit card

XXXX XXXX XXXX company through Bread Financial does not send statements through emails requested. I am signed up for payment alerts and either receive them the day after the payment is due or not at all. I canceled the credit card because of these fraudulent practices and they are now unable to remove any late charges or make any changes on the account. The late fees are XXXX dollars the company purposely does not remind customers of payments in order to incur fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with XXXX on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. XXXX did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that XXXX corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.
Product: Vehicle loan or lease

I'm very concerned to find out that the company who financed my car told me they charge daily interest.I also believe that finance charges was applied at the time I purchased the vehicle. I've had the vehicle over 2 years and it's only a XXXX XXXX  less than what was owed when I got it. When I first got the vehicle after charges and fees it was XXXX, | called on Friday XX/XX/XXXX to find out that the remaining balance was {$16000.00} and so I replied Ive had this car over 2 years, the payments are {$460.00} a month but I mostly pay {$500.00} a month, how is it this much? They replied well we charge daily interest. In this case the car will never be paid off, this wasnt explained because I wouldve never agreed to this. This is robbery
Product: Vehicle loan or lease

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfers

Complaint against Wells Fargo BankOn XX/XX/2015, I had a cashier 's check for {$2400.00} transferred from my Wells Fargo Account to another Wells Fargo account in another state. Fifteen minutes after the transfer. I discovered that this was a scam. The scam involved my granddaughter going to school in another state, being involved in an auto accident, and needed money immediately to get her out of jail. My granddaughter was supposedly in the accidentXXXX, so her voice at the other end was sounded like my granddaughter. I was still in the bank branch when I was made aware of this scam immediately by hearing directly from my granddaughter that she was well. I notified the bank manager immediately. He checked the account and noticed that it was a cashier 's check that was to transfer the funds. I was told that the funds would not be transferred until midnight. I also discovered that the scammer 's account was only opened up 2 days prior to the scam. The bank manager had me obtain a police report and when I returned, he called the fraud department at Wells Fargo and a hold was placed the scammer 's account on that date. The police told me that this type of scam was well known to them and that account will be closed after the funds are deposited. The hold on that account was in place until today XX/XX/XXXX, when the scammer closed the account and a cashier 's check was mailed to the scammer. The bank told me they had to send the funds to the scammer when the account was closed because they would be concerned of a legal quagmire from the scammer. 

I have been checking with the bank branch, almost daily, to find out the status of the claim that was filed by the bank manager with the Wells Fargo bank fraud department. I have been a customer with Well Fargo Bank since XX/XX/XXXX. I have never had a problem with Wells Fargo before. I feel that the bank dropped the ball and did not do what it is required of a bank with a claim that was filed. I doubt if the claim was even investigated. If I did not call on a regular basis, I would get a progress of their investigation of my claim. When I found out about the check being sent out, I called the Wells Fargo Executive Office and complained about this action. I feel that Wells Fargo is liable for sending out the funds and did not notify me properly of the progress or the results of their investigation. I also do not believe that Wells Fargo did anything to protect me as a customer and I am filing a claim about Wells Fargo under the Regulation E. 

If you need additional information concerning this complaint or need my account number, please let me know.
Product: Credit card or prepaid card

Citi Bank - Shop Your Way Credit Card. 
I have the following card that I don't use frequently 3 months ago my wife used the card for a single transaction that was {$21.00}. unfortunately I was not aware of this and i missed paying the amount for 2 months. Citi bank charged me two late fees the first for {$21.00} and the second for {$39.00} plus interest. I called them to resolve the situation by offering to pay the original charged amount plus interest due. Unfortunately they did not accept my offer and insist that I owe them the full amount which is now {$86.00}. 

again the original charge was {$21.00} first late fee was {$21.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$23.00} second late fee was {$39.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$41.00} i am trying to resolve this but they insist on charging late fees and interest that exceeds that original amount.