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

Between XX/XX/2019 and XX/XX/2019, my wife and I were in XXXX XXXX XXXX, Utah assisting our son in remodeling an apartment into which he was planning to move. As I bought materials on, or about, the XXXX, I was invited by the vendor, XXXX XXXX, to apply for one of their customer credit cards, offered through XXXX XXXX. I agreed and they issued an immediate {$50.00} credit against my bill of {$62.00}, leaving me with a twelve dollar balance, which i left on the card for my son to pay at a later date. However, I made an error in the address given, and the bill, subsequently, failed to reach him. At that time, my credit score was ~XXXX, depending on which of the big three credit bureaus checked. Of course, neither my son, nor I, knew anything was amuck for some, and by the time I learned of the overdue debt, ( ~about XX/XX/2019 ) my FICO score had dropped a hundred points. Meanwhile, my wife and I were planning to buy or build a new home somewhere in the western US, and had begun getting pre-approved with XXXX/XXXX   XXXX. The results where quick and favorable due to our high credit score and present cash flow. Fast forward to now, we didn't buy, we opted to build in XXXX XXXX, OR and put down earnest money in XX/XX/XXXX. 
Now, here comes XXXX XXXX 's credit enhancement team on the phone ( ~XX/XX/XXXX-XX/XX/XXXX ), offering to help me repair my marginally low credit score! I had paid off the {$12.00} balance on the XXXX XXXX ~XX/XX/XXXX, but was shocked to see that puny {$12.00} had dropped my score about 95 points, an event which could cost me $ 1,000s over the course of our pending mortgage. My recent efforts with XXXX/XXXX  to remedy things has proved very frustrating. First, they said to pay-off one of my credit cards and have the company in question send a letter to that effect, and they would bump up my score accordingly ( ~40 pts. ). I told them we pay-off all our cards each months, but are also using them for all our everyday purchases and some auto-pays, as well. This made it tricky to show a XXXX   balance and get a " XXXX balance '' letter in the works at the same time that we are still alive and spending. But I did it anyway and called XXXX/XXXX  to brag, when they surprised me once again with some baloney about their computer model having updated to a new format that no longer allows a bump-up for XXXX  balance ; now it requires a small balance, but only one that is current ; i.e. not yet being charged any interest ... ... ... ... ... .IS IT BEGINNING TO LOOK LIKE THE BANK/CREDIT BUREAU THING IS A CABAL? I MEAN, THEY HAVE PUT ME THROUGH THE WRINGER OVER TWELVE BUCKS!!! AND APPEAR TO BE INTENT ON ONLY ONE OUTCOME ... .HIGHER INTEREST RATES AND FEES ON MY MORTGAGE. If you have a solution, I will look forward to your response. If you have an explanation, please skip it and save us both some trouble. 
Yours truly, XXXX XXXX XXXX
Product: Credit card or prepaid card

I keep getting phishing emails claiming to be paypal. They say my account is on hold until I verify information. I went to my account and it wasn't on hold. I have sent several of the phishing emails to spoof @ paypal. Today I had a chat with paypal twice and was told they would transfer me to an expert. When transferred it was for a 7 day trail for {$5.00}. I wrote paypal and they told me to go to their resolution center and file a complaint. The complaint wanted to know the who the seller was, problem, when I purchased the product, the transaction ID, reason for dispute, and to give additional information. It said after 20 days they would investigate the with the seller and I could file an escalating problem. If it wasn't resolved they would take note of it. This was totally irrelevant information. I wasn't going to click where it said verify because that would open my account up to all my information. I don't know how to get these phishings to stop.
Product: Credit reporting or other personal consumer reports

Exquifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate are unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experience, alleging system issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law and my rights as a consumer.
Product: Debt collection

[ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX la XXXX XXXX XXXX Date : XX/XX/year> Capital One Attn : Customer Service XXXX XXXX XXXX Department [ Address ] [ City, XXXX, ZIP Code ] Dear Sir/Madam, I am writing to formally address a discrepancy on my credit report regarding an account with Capital One that is currently listed as open and late, despite being written off as a loss and reported as in collections. 

Upon reviewing my credit history, I have noticed that the account in question, [ Account XXXX ], is still being reported as active and overdue. However, to my understanding, this account was charged off as a loss and subsequently sent to collections. I believe this to be a reporting error. 

Please investigate the status of this account and correct any inaccuracies on my credit report. As per the information I have, the account was closed, written off, and placed into collections, and it should not be reported as open and late at this time. 

To support my case, I kindly request documentation confirming the charge-off, along with any updates regarding its status with collections. If any updates are needed to my credit report, I respectfully ask that these be made to reflect the accurate status of the account. 

I would appreciate a response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
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. 

XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit report and I noticed XXXX XXXX had dropped off in XX/XX/2022. I took a screenshot ( attached ) for proof showing this. According to Metro 2 all of the credit bereaus need to show the same accuracy as XXXX XXXX XXXX show the account being off but you are still reporting the account. Why is this account still being reported when this should be taken off completely.
Product: Credit card

I was stolen from by an internet scam. I have since reported this through XXXX and FTC. I disputed it literally immediately upon realizing I was defrauded. This is {$880.00} which is a huge amount. Ive provided a map showing it was not delivered to my home. A plethora of other details and documentation. The merchant shut down their site the same day this item was supposed to be delivered and is still shut down. American Express would not provide me information on the merchant to provide to FBI/FTC and has continually accepted a falsified nonsensical XXXX XXXX document that anyone can create as proof that it was delivered. I can not open a XXXX dispute as Im not the shipper. Ok be done absolutely everything I can to get my money back from a scammer and American Express is aiding a thief instead. Ive wasted literally hours on this and American Express continues to tell me that Im out {$880.00} because this scammer provided a XXXX XXXX document that proves nothing and is self contradictory. I attached to incredibly poorly mad XXXX Document that the merchant even redacted their contact information from.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX XXXX has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with XXXX on XXXX of XXXX I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated
Product: Mortgage

When I refinanced my mortgage loan I paid a heavy price through the high interest rate and the inflexibility of my mortgage servicer. I never understood why Wells Fargo did not modify my loan until I read articles about how Wells Fargo has lost homes due to failures in their loss mitigation process and now it all made sense. I trudged along struggling to make my payments, but years down the road I lost my job and it was impossible for me to keep up with the mortgage payments. I reached out to Wells Fargo for assistance, but they have not assisted me with my mortgage and now my loan is in default and is in foreclosure. I used a non-profit company, XXXX, to compel Wells Fargo to get me back on track, but after six months, Wells Fargo dropped the ball with them and I am now further behind. Wells Fargo just can not get it right due to their poor communication and inflexible process. Things have taken a really bad turn and I am afraid I will now lose my home through foreclosure as their agents proved they are utterly incapable of helping homeowners. I have never had a single point of contact and my mortgage has turned into a nightmare. My income is now better than ever and I can afford a reasonable mortgage payment if given the opportunity to save my home. It is inexcusable the way that they have treated me and I am hopeful that your agency can get them to the negotiation table in a fair and transparent process that will allow me to keep my home.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - JOB Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Collections that XXXX being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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
Product: Debt collection

I XXXX XXXX THIS BILL WAS ALREADY PAID AND ATT KNEW THAT BEFORE THIS GOT TO THIS POINT, THEY NEED TO REMOVE THIS FROM MY ACCOUNT BECAUSE THIS IS A MISTAKE ON THERE PART CAUSE THIS BILL IS ALREADY RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a complaint with the BBB about BMW Financial on XX/XX/XXXX, the why I filed a complaint because BMW was reporting a  late fee to the credit bureau and not the initial car payment then they retro-acted my credit report and reported XX/XX/XXXX and XX/XX/XXXX 30 days late when it was once reported paid as agreed. Of course the complaint when in to favor of BMW. But, I filed another complaint with BMW on XX/XX/XXXX, because the sent me a letter stating that I own late fees so I called BMW and their representative contacted the credit department and the credit dept stated all of the extra money goes toward the car-note, and not the late fees. I told that representative that I have never heard of such because you ca n't separate the late fees from the car-note because its one payment. Then the representative tole me if you do n't pay it, it will go towards your car-note, and for the month of XX/XX/XXXX your car note will increase by XXXX dollars, but if it remains as a late fee we want report it to the credit bureau. The document of the outstanding late was a cover-up because they reported the late-fees to the credit bureau therefore they had to put something in black and white. So I contacted XXXX from the BBB locate in Ohio who investigated the first case he also agree, and I sent him documentations also and he ca n't find any late fees ... .BMW did this because of retaliation, and now they are harassing met, and reporting false information to all three credit bureaus.
Product: Debt collection

I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I changed my XXXX  number to XXXXXXXX XXXX. XXXX has the information on file. Today, XXXX, I had someone send me money through XXXX using the same mobile number. It was deposited in Citizen Bank the account I changed. They stated to me that it was deposited XXXX and number deactivated ( changed ) at XXXX. I waited on the phone for hour for a representative that put me on hold to come back and tell me this information. She claimed it was not an hour it was 57 minutes. And since my account was already overdrawn ( with fees ) that there was nothing they could do. And on their end it says this. I advised her that it was changed and for them to send me the documents she said she could not. I also said I needed the exculation department they said there was none. She also if you want to speak with a supervisor it is another 45 minute wait. Citizen has charged me fees after fees and I have no money to buy food or pay for anything. So I had someone send to a new account that I opened 2 weeks ago. Now Citizen has claimed that money as well. They are doing some type of fraudulent activities and do not care about their customers.
Product: Credit reporting or other personal consumer reports

Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX XXXX ( XXXX ) I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. According to the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. This omission could lead to potential risks of tax noncompliance. 3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights. 5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for written confirmation of this deletion. Please note that I am prepared to take further action, including legal recourse, to rectify my credit report and protect my rights.
Product: Debt collection

The above company has been fraudulently harassing and intimidating me and claiming to be a government agency. FMS FINANCIAL SOLUTIONS has placed several bogus claim and report on my credit file. Every attempt to contact FMS FINANCIAL SOLUTIONS has failed as they operate illegally or refuse to answer my calls. FMS FINANCIAL SOLUTIONS is collecting an amount that is illegal or as a result of covid-19 pandemic that caused me not to appear in court. CURRENTLY I have no idea of the amount or circumstances leading to the collection attempt. FMS Financial Solutions keeps running my credit without permissible purpose .The company keeps pulling my credit without my permission. This has been happening since XX/XX/2021. I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.