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

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX Account number. XXXX. XXXX XXXX services Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( reporting to XXXX, XXXX and Equifax ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Product: Debt collection

Collection agency " Columbia Debt DBA Genesis '' is incorrectly trying to collect a debt on behalf of XXXX that I do not owe. Happy to share the details of that case.

Most importantly, however, the company called my wife 's place of work and threatened the receptionist + told her that they were " going to come down there. '' This has made her fearful, so much so that she had to take the rest of the day off.
Product: Checking or savings account

I transfer money from my savings account ACH to other bank and it was a scam. I made 4 different transfers to this company and now my bank told me that they can do nothing to help me. Spend over an hour on the phone talking to 4 different people, they took my callback number and no one called me back when we got disconnected. The amount of 4 transfers is XXXX
Product: Vehicle loan or lease

I purchased a car at XXXX XXXX XXXX XXXX on XX/XX/XXXX of XXXX. During the paperwork, XXXX XXXX set me up for easypay. I proceeded to check my bank account every month to make sure my payment of {$540.00} was being deducted, which it was. On XX/XX/XXXX of XXXX, I went to Honda Financial Services online to get a payoff amount and noticed a late fee has been accrued every month since I bought my car. I called Honda Financial Services to let them know that XXXX XXXX set up my auto pay incorrectly and I wanted all the fees reversed. The fees totaled {$970.00}. After two conversations with three representatives over two weeks, I was reimbursed {$500.00} in fees but still need {$470.00} refunded. I also reached out to XXXX XXXX XXXX XXXX to advise them of the error but they said there was nothing they could do and XXXX XXXX no longer works for the company. The referred me to XXXX, the general sales manager, but he never returned my call.
Product: Credit reporting or other personal consumer reports

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


EQUIFAX 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: Debt collection

I was contacted by Portfolio recovery regarding an outstanding balance. I had no recollection of their account or balance and assured it must be an error. I requested proof and breakdown of charges. They refused to provide that. I called the hospital in question, spoke to the XXXX  XXXX and they're unaware of such charges. Portfolio recovery is trying to rob me of my hard earned money, is in breech of the no surprises act and violation of the new law implemented in XXXX regarding medical debt on a credit report. Now I have a bogus account on my credit report of XXXX thanks to portfolio recovery.
Product: Checking or savings account

I have several accounts with US Bank since 1995. I moved from the XXXX, XXXX branch to XXXX XXXX, XXXX 8 years ago. I continued to bank with US Bank with our business account however our personal accounts were moved to XXXX  XXXX XXXX. This was due to there not being a local US Bank within XXXX. I contacted the branch in XXXX, XXXX to close a personal account that has been stagnant for 8 years. I provided every verification needed to identify me as the account holder and I was told that i could not close the account because there was a XXXX XXXX as the mailing address in XXXX, XXXX.I asked what the process is to change this XXXX XXXX to my address on file with all my other accounts at US Bank and I was passed along from the branch to online business back to personal online with no solution on how to change the address without flying to XXXX and physically walking into the branch bank and requesting. The timer on my cell phone registered 9 different phone calls totaling 237 minutes. The customer service is absolutely unacceptable.
Product: Credit card or prepaid card

Synchrony abruptly closed my Amazon XXXX store card in XX/XX/2020 after years of use. I received a letter dated XX/XX/2020 indicating account closure was due to " activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. In all the years I have had the account, there was not a single missed, delayed, or partial payment. The account was paid in full every single time. 

I suspect the real reason Synchrony wanted to close my account was that I have accumulated {$1400.00} in rewards, which Synchrony declined to payout since THEY closed my account. This is completely unethical right in the middle of COVID they start to close people 's accounts because they are unable to pay out the rewards promised.
Product: Credit card or prepaid card

My family is struggling due to the virus crisis/pandemic scare. I have been trying to work some sort of payment and closure of my XXXX  XXXX   Credit services account with CITIBANK whom is charging me XXXX & interest every month. I would like them to credit me the interest so I can afford to PAY OFF and CLOSE the XXXX  XXXX  account. I will never do business with them again. My XXXX XXXX account is XXXX XXXX XXXX XXXX CITIBANK fax is XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate accounts reporting on my consumer report and Experian has not fully complied with providing me with their METHOD OF VERIFICATION for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have asked Experian to provide me with information proving that the following accounts do belong to me and if they could not provide me with the following information to remove the inaccurate accounts reporting. Other Credit Reporting Agencies have removed the following accounts from my consumer report and I have requested that Experian do that same as of today. 

Updating the account is not what I am requesting as it is Experians grave responsibility to make sure all information is reporting accurately!!
Product: Debt collection

Since XX/XX/year> I have received XXXX + emails and numerous calls for a debt that belongs to someone named XXXX XXXX. I spoke with a representative early on in the collection process and advised them that I was not XXXX XXXX, I do not know XXXX XXXX and to please stop all communication. The emails include sensitive information such as the original creditor, the last four numbers of the account number as well as the amount due, there have also been emails with show how much interest was charged. The representative that I spoke with stated she would remove my number/email and that I would not have any further collection attempts. While the calls stopped ( probably because I blocked the numbers ) the emails did not. I then sent them an email, again advising that I was not XXXX XXXX, that I do not know XXXX XXXX, that the debt they were attempting to collect was not mine, and to please stop all communication. That has not worked either as of today I received an email from them again attempting to collect this debt, from some random person who happens to share my last name. I called ( again ) and was assured that I would not be contacted again. This is harassment. Just by them continuing communication after being asked to not call/email is a violation of rights. PLEASE STOP TRYING TO SADDLE ME/HARASS ME WITH A STRANGER DEBT!!!!
Product: Mortgage

I originally called on XX/XX/XXXX to Wells Fargo to get a lien cleared from a loan that I had with them in 2014. This was a required loan that they made me take in addition to my small business loan that was for 75 % of my workforce housing XXXX XXXX  in XXXX  XXXX. I purchased this XXXX XXXX not needing a line of credit but was required to take a line of credit for {$25000.00}. I never took any money out of the line of credit. I paid off the original loan in XXXX years have been providing workforce housing for over 11 years in that market I split off my XXXX lots from the XXXX Plex to Lots into a different property with XXXX XXXX of Oklahoma XXXX and then XXXX now selling the XXXX lots to a developer to build additional workforce housing. I was notified about 10 days ago by the title company that there was XXXX liens left by Wells Fargo against the property, even though Wells Fargo can not find the account number in their system because they only held the data for XXXX years so they have a XXXX against my property that they dont have any records for Ive XXXX over XXXX hours on the phone with multiple different departments trying to get this resolved. It is still not resolved. I am frustrated with their lack of caring and giving me different case numbers with no results. My title company has agreed to escrow the {$25000.00} line of credit against this property so that I can move forward with the closing. I am looking to also to a XXXX and this process is now being held up because of their incompetence. I am frustrated that a firm can have a lien against me without having any documentation that I owe them any money and that the lien will not be removed at this point until they can find it
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report states that I was Employed somewhere I never was. 
XXXX XXXX was never an employer of mine
Product: Checking or savings account

Card was lost on XX/XX/XXXX, reported it to the bank after this date and they denied my fraud claim in the amount of {$320.00}. Disputed the claim denial on XX/XX/XXXX and provided details showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the date that these transactions happens hours away from where the transactions happened. I also stated in my statement how I was able to continue to use my card ONLINE BECAUSE IT WAS SAVED TO MY ONLINE ACCOUNTS and on XXXX XXXX XXXX XXXX XXXX XXXX. The bank continued to deny my fraud claim even though I showed them all the proof that I did not authorize the charges and my card was used without my consent from an unknown person that is not on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 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

Dear [ XXXX XXXX XXXX ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ XXXX XXXX XXXX XXXX ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ). 
Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe. 
Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  3 dispute letters in the months of XXXX, XXXX, and XXXX the response i received was that they investigated but showed no proof. In these disputes i sent the copy 's of payments and letters from company 's in question. 

XXXX XXXX  - Account # XXXX has been on the deferment program since XX/XX/2020 since before covid-19 started. My payments should show paid and not negative which is hurting my life. 

Also i have sent copy of my continued on time payments of NYS OTDA - Account # XXXX, they have neither up dated the on time payments or removed negative payment history or removed accounts all together since they are not accurate.
Product: Checking or savings account

XX/XX/XXXX Bank of America closed my account ( account number : XXXX ) and sent me a cashiers check for {$17000.00}. I had a total of {$34000.00} in my account when it was closed. They kept {$17000.00} that was granted to me on XX/XX/2020. I wired XXXX into my account from XXXX XXXX on XX/XX/2020. On XX/XX/2020 a company called XXXX illegally debited {$17000.00} from my account and Bank of America froze my account and disputed the funds. On XX/XX/2020 I wired {$17000.00} from my XXXX bank account. After the investigation was complete, a permanent credit of {$17000.00} was placed into my account on XX/XX/2020 which made my total balance {$34000.00}. I withdrew {$5.00} on my account XX/XX/2020 and on XX/XX/2020 my account was closed and they mailed me a cashier check for only {$17000.00} and they kept {$17000.00} that was given to me from the dispute department. A Bank of America rep named XXXX from the account closure department placed a hold on the {$17000.00} and told me he was keeping the funds. His phone number is XXXX. Bank of America risk department phone number is XXXX. They are refusing to give me the remainder of the money in my account and are trying to permanently keep it for themselves and possibly spilt it. It is clear where the money came from and who it belongs to but they claim they dont know who the funds belong to. So I attach all the bank statements, XXXX XXXX wire receipt and Bank of America dispute letter stating that the funds permanently belong to me. On XX/XX/2020, Bank of America told me that XXXX XXXX has to recall the funds and send over a hold harmless letter. XXXX XXXX did a wire recall 2 times and Bank of America denied it because they said the Bank of America account is closed and there were no funds to send back. On XX/XX/2020, XXXX XXXX corporate security tried to recall the funds from Bank of America back office and Bank of America said that they dont have any funds to send back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear REGIONSBANK I am writing to formally dispute an inaccurate entry on my credit report. The account with REGIONSBANK and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Several hard inquiries have been made using my credit that I dont recall I am requesting there removal they are as follows XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Corelogic Credco XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Corelogic Credco XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Over the last several years, Experian, XXXX, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX  XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights.

10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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: Credit reporting or other personal consumer reports

Transunion provide my information with consent in accordance with Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to, privacy 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish accounts with out my written instructions 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year> phoned the losers and asked for pages XXXX & XXXX of the XXXX page memo sent from citi to me on XX/XX/XXXX. Asked where is the alleged {$560.00} credit on my account? It does not show under " Transactions, '' like the pizza that I bought yesterday. XXXX Citi failed on both accounts. After waiting on hold I get someone from a non-US country who wants to know the contents of the letter. It was not a letter, it was a memo. There is only XXXX XX/XX/XXXX memo. Give me the missing pages XXXX & XXXX. They can't handle it. 

Nor can XXXX CFPB, as I complained in complaint # XXXX. 

WHERE ARE PAGES XXXX XXXX XXXX 
WHERE IS THE {$560.00}XXXX 

cAN't wait to dump this stupid credit card. Happening soon.
Product: Credit card

A number of fraudulent transactions were posted to my credit card by XXXX. Capital One has stated that they received information indicating that the transactions were not fraudulent, but has refused to provide that information to me so that I could verify. They refer to the information as " non public, '' but is information about my account.
Product: Mortgage

Wells Fargo is not helping me at all! It all started with my forbearance plan and was trying to extend it but my home specialist never returned any phone calls and so it expired. Now trying to modify the loan and not even asking for pay stubs! There r a number of issues my court date is XXXX XXXX 2016 I will fight to save my poor little house. I work XXXX jobs and the specilist is reading from a screen help me please! I know I 'm 1 of many! Thank u XXXX XXXXXXXXXXXX