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

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023
Product: Debt collection

My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. 
XXXX XXXX XXXX  The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

I claimed Fraud on My Credit Card with Wells Fargo on purchases in XX/XX/2020. 

Wells Fargo Issued a new card but never arrived to my address. 

On that new card there was a XXXX  charge for XXXX and XX/XX/2020. 

I claimed Fraud on those XXXX  charges and told wells fargo to shut down my account in XX/XX/2020. 

I have been unable to close the card and have contacted wells fargo In 3-4 times and have been promised it would be closed and the fraud balance would be taken care of. I have spoke with Disputes, Fraud, Collections and Card Services and they have all told me that they would take card of it but it still hasnt happened. 



My Credit Card is XXXX and I need support with closing my Wells Fargo Credit Card for good.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required by the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

Mortgage Solutions of Colorado LLC. asked me to send them my complete financial information via fax and/or emai, in which we did. I do have a sale date of XXXX XXXX, 2016 and I have called Mortgage Solutions of Colorado LLC. to check status on my file, and my sale date. I just spoke with XXXX a representative in the Loss Mitigation Department on behalf of Mortgage Solutions of Colorado LLC. and was informed my file is complete and was forward to the processing department and is currently in line for review. However when I asked about the sale date XXXX informed me they, Mortgage Solutions of Colorado , LLC, do NOT postpone sale dates until the package is complete. XXXX XXXX she just told me my file was complete and because of the completion the file was forward for underwriting and asked her to correct me if I am wrong? XXXX placed me on hold and came back on the line to inform me they will try to review my file and I can call back tomorrow to check status on my file and see if they did not sell my property. I explained my sale date is tomorrow, how does she want me to wait specially when she just told me the file is complete and this is why it was forward already for review. I asked to speak with a supervisor and was transferred to the collection department, whom then transferred me to the loss mitigation department whom transferred me back to the main menu.
Product: Credit card or prepaid card

Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. 

I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. 

My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. 

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

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 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 reporting or other personal consumer reports

Aidvantage has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. Aidvantage still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date. 

Aidvantage assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that Aidvantage has reported my account to the credit bureaus as a late payment. This is unacceptable. If Aidvantage cant properly handle loan payments and credit reporting, why has the government given them this contract?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX Transunion : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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 account number XXXX XXXX bank account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX **** Balance Owed : {$23000.00}
Product: Debt collection

Date : XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account XXXX : Account Name & Account Number : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing XXXX XXXXXXXX will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX the following addresses below are inaccurate. 

addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Under 15 U.S Code 1681i I demand an investigation be done and these addresses be removed immediately. This has been a great inconvenience to me. My proof of address has been attached.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION. 

THIS ORGANIZATION IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR FRAUDULENTLY REPORTING INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE, NOR GIVE MY CONSENT TO. PER 15 USC 1681c-2 ( a ) THIS IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY WITHOUT A PERIMISSIBLE PURPOSE, AND WITHOUT MY WRITTEN INSTRUCTION PER 1681b ( a ) ( 2 ). OBTAINING INFORMATION UNDER FALSE PRETENSES WITHOUT CONSENT IS IDENTITY THEFT PER 15 USC 1681q. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Other Accounts XXXX # XXXX TransUnion XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

Experian, Trans Union, Equifax just puts things on my account with NO accountability. reported a collection account to my report and they actually owe me money. How can they just put collection accounts on a credit report with no evidence?? This is not acceptable These companies receive money for allowing them to ruin credit.I have several accounts that are old and they allow collection companies to keep these active. They do not meet the statute of limitation laws,
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir/Madam Equifax has admitted that my credit file has been breached. Equifax breach goes back for years. I know! Equifax keeps putting a freeze on my account for no apparent reason. XXXX XXXX XXXX. retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX Family Member.

They dont care who they XXXX over to save their brand. XXXX XXXX  is still with this trickery and foolery. I need to know what could be done to XXXX XXXX  and Equifax criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX   and Equifax against me.

They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX and Equifax has a strong dislike toward Veterans, and XXXX XXXX Family Members.

They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX Family member. Please. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX  AND EQUIFAX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report.

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia.

Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to them. They are too stubborn. They are too crooked to satisfy the consumer. They are too more concerned about their brand at the expense of Veterans.

Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers