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

Subject : Final Request for Correction of Credit Information Before Formal Complaint I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my mortgage account number XXXX. Despite my previous letters dated XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 

Details of the affected payments are as follows : 1. *Date of reported late payment* : Multiple instances across the two-year payment history. 
- XX/XX/XXXX : 120 days late - XX/XX/XXXX : 90 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 30 days late - Multiple instances in XXXX showing late payments of 30 days. 
2. Date the statement should have been received : [ the 1 of the month to 16 of the month.

3. Actual date the statement was received : after the date that they supposed to post it.

If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX IN # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was not aware or told the interest would be as high as it is or that it was biweekly payments!
Product: Debt collection

Collections account from IQ Data Collection, originally from XXXX XXXX XXXX, appeared on my credit report in XX/XX/year>. 
I was not aware of any pending debt with XXXX XXXX. They never notified me of an outstanding balance. I provided my email and new address when I moved out, along with them having my phone number. Never received anything in regard to this debt. 
Additionally, once we found out about the collections account, we reached out to XXXX XXXX Apartments to look into the matter. The new apartment managaer pulled up our records and informed us of the mishandling by the previous management. 
The original manager dealing with my account never logged that he notified us of an outstanding balance, he also never cleared the collections account with his upper management to include the accounting section, and provides very vague details as to the explanation of the debt amount on the invoice.

I contacted IQ Data and was met with a rude, aggressive, and unprofessional representative. Could not even discuss the issue because of the manner in which I was being spoken to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

McCalla Raymer Leibert Pierce , LLC, its Managing Partner, Attorney XXXX XXXX XXXX ( Respondents ) alleged Complainant default on his loan with XXXX on and about XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  without and proof or verified the allegations by their client XXXX before acting. Even if was true that Complainant was in default as alleged, it does not give XXXX a right to willfully and intentionally break State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress.

Respondents violated Regulation F, Violation of U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau, the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ], Georgia Fair Business Practices Act ( FBPA ) and Georgia Collection Laws. 
XXXX XXXX, Defendants communication violated the Federal Debt Collection Practices Act, 15 U.S.C. 1692e. Respondents admitted to violating State Laws, Georgia Laws, Federal Laws, Statutory Laws, and Law that were enacted by congress in Georgia and admitted Respondents are exempt from prosecution, " Immunity ''. Congress did not say laywer who represent consumers are exempt from prosecution, " Immunity '' The XXXX is a consumer protection stature which created the Consumer Financial Protection Bureau. The Bureau enforce its XXXX authority over debt-collection attorneys engaged in litigation activity is fully consistent with this purpose. Respondents have litigated a case in the XXXX XXXX and XXXX is ongoing in the XXXX XXXX XXXX XXXX XXXX. 
Respondents have admitted to litigation and the XXXX can enforce its authority over the debt-collection attorneys engaged in litigation activity is fully consistent with this purpose. Because the statute is clear and Respondents have admitted to litigation, the XXXX can enforce its authority.
Product: Debt collection

I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. The CFPB claim on XXXX XXXX XXXX asks XXXX  to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

From my understanding of the FCRA Experian has to do a reasonable investigation of disputed information on my credit report, and they failed to do so. I saw there is a lawsuit against experian by CFPB about their practices and that they failed to send consumer-initiated complaints and evidence to the furnishers, and they accepted unreliable responses and failed to appropriately notify consumers of dispute outcomes. I have tried several times to reopen the disputes and resubmit documentation, but I was told that is not an option, which is why the website will not let me resubmit. I just want the companies to report my account history accurately. I am not able to access all of my previous disputes or see the status if they are still open. No help from the company.
Product: Mortgage

I received an email that my mortgage was purchased by NewRez less than one week before the end of the month of XXXX and that my XX/XX/XXXX payment should be to them but they provided no account number. My automatic payment was already going to my previous company due to the timing. When I received an account number five days after this due date, I emailed NewRez to find out about the transfer of the XX/XX/XXXX payment. A week later, I received an email stating that only {$1200.00} was wired over so it was not applied and I owe them the full {$2100.00} and would owe a stop payment NSF fee. The email stated I couldnt reply but could call. When I called on XX/XX/23, I was told that it shows a transfer of {$1200.00} and none of that applied. I was told to call XXXX XXXX instead. I immediately called and it was escalated in their system to a supervisor named XXXX. He stated it clearly wire transferred to NewRez the full {$2200.00} and had a confirmed wire transfer number. He offered to call NewRez with me and we conference called. After explaining to another new customer service person at NewRez the situation, I had to ask her to escalate the call. We were transferred to a XXXX XXXX who stated that my first call prompted the {$1200.00} transfer to apply but I was late on full payment. XXXX gave him full wire transfer confirmation number. XXXX did not look it up and just said somebody would look into it. XXXX refused to give me or XXXX his contact number and just told me to send a picture of my bank statement indicating I paid. On XX/XX/23, XXXX called me from XXXX XXXX to conference call again. We called NewRez and had to explain story again. I was out on hold only to have person come back and confirm what I had just said but nothing more. I asked for XXXX XXXX and was told it was impossible to get transferred directly. I asked how I would find out any resolution and was told to check online. I noted I was told via email I would be in default and XXXX from XXXX XXXX had to tell NewRez about the 60 day grace period for the mortgage servicing purchase. How can this company be in business without the capacity to read a dollar amount correctly or be bothered to look it up?
Product: Money transfer, virtual currency, or money service

Im Writing This Because I Have Been Having Trouble With Zelle Handling Disputes. Ive Used Zelle Many Times And Have Reported The Problems I Have Been Having And Neither My Bank Or Zelle Cared To Investigate. They Told Me That Recovering Lost Funds Or Transactions Is Impossible To Track. The CFPB Findings Indicates That Zelle Neglected To Protect Consumers And Also Allowed Repeat Offenders To Exploit The System, Leaving Users Vulnerable To Scams. This Is Unacceptable And Raises Serious Concerns About Consumer Safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.
Product: Credit reporting

Some of these debts have been removed/deleted from my report, I still should n't be seeing them!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleven endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 or prepaid card

The incidents occurred 2015 on two capital one credit cards I had. I got a call from a marketing company saying they could reduce my interest rate on the cards. I asked if they were capital one and answer was no. I said I could call capital one myself and request rate reduced. End of call. I pay my two bills and discover the marketing company has already paid monthly payment and now attempting to reimburse themselves from my checking account!!! I considered a major scam data breach going on. I call capital one and they deny any third party working for them. Then how did third party get my check account info? I got bounced around asking for superior super duper supervisor who admitted yes the third party was under contact and the rate reduce was capital one attempt to consolidate and close the cards. I was flabbergasted because they issued me 4 credit cards!!!!! I told them I dont play back room games and how dare they distribute my banking info. I told them recently get error late payments off the cards alll paid off and closed or I am coming to your agency to recite what ugly tactics capital one engages. Here I am and End of story other than YOU NEED TO BE APPRISED OF THIS BREACH BY CAPITAL ONE. 
Good riddance to them and let them fall with XXXX XXXX!
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Product: Credit card

Several times now I have requested that Citibank remove XXXX closed external bank accounts from my account and it's like speaking to a brick wall. I get foreign outsourced scriptreaders who are incompetent and unable to understand English. Ideally, this simple task SHOULD be one I can complete on my own, in my account online, but that would require intelligence and competence. I have called them, I have email Citibank Executive Customer relations and nothing has been done. I don't know what else to do here
Product: Credit card or prepaid card

I had a past due balance of {$710.00} which I paid in full XX/XX/XXXX. I received two finance charges on XX/XX/XXXX {$2.00} and {$3.00}. I called comenity XXXX in XXXX and the rep said she could reversed the charges. This didn't happen. In XXXX messaged XXXX  and XXXX XXXX the rep who responded to my inquiry said I was getting charged and I needed to pay. The same thing happened with my other comenity card at XXXX except they reversed the charges because I had paid the account in full. I had been and am getting charged two finance charges a month on each card. I thought having a 0 balance would mean no interest. comenity bank cards are the worst for interest taking advantage of people.
Product: Checking or savings account

I received a call from Wells Fargo ( XXXX ) on Tuesday, XX/XX/23, at XXXX XXXX  and the person ( who sounded like a man ) said my debit card had a purchase on it from Florida. He asked if I made this purchase or if I had lost my card, and since I hadn't made the purchase nor lost my card, he said he would cancel this card and send me a new card. I was hesitant because people are pulling scams like this, so I asked what the last 4 digits of the card were, and he told me XXXX, which is correct. He told me that before sending me the new card ( ending in XXXX ), I'd have to set up a new PIN for it via an automated voice system. He transferred me to the automated system where I typed my new PIN into the system -- this PIN was different than the PIN from my debit card ending in XXXX. After that, I was transferred back to this Wells Fargo person and he said he would rush mail me my new debit card. I was hesitant throughout the conversation w/him because I was afraid it could be a scam, and he asked me if anything was wrong at the end of the call. I said I was worried it could be a scam, but that I hadn't given him any important info, and he said something along the lines of that it wasn't a scam and they were trying to protect me, so we parted ways. XXXX, XXXX, morning at XXXX XXXX, I received an email from Wells Fargo stating that my debit card ending in XXXX was being shipped to me ; however, at XXXX XXXX, I received an email from Wells Fargo saying that my card ending in XXXX had been declined in XXXX, XXXX. I logged into my WF account only to see that someone had stolen almost all the money from my savings and checking accounts. They withdrew three times : {$2000.00}, {$280.00}, {$240.00}, totaling {$2500.00}. I talked to XXXX ( didn't ask for last name or employee number ) at Wells Fargo, who opened a claim ( claim # XXXX XXXX XXXX XXXX ) and is starting an investigation. Throughout talking to XXXX, she said that Wells Fargo doesn't use automated systems to set up PINs and that if suspicious activity is happening on a person 's card, an email or letter is sent to the person -- a call isn't made. She also said that the address the new debit card was sent to was one in Florida -- I live in XXXX  and don't even know anyone in Florida. The address it was sent to wasn't close to what mine was.
Product: Debt collection

I received a phone call from my HR department informing me that a wage garnishment was sent to them regarding a debt collection settlement. When I called the county clerk I asked about this case number. That is when I was informed that a court date was set for garnishment. I explained that I was never notified about a court date. The county clerk told me that I was served. I told them I was never served. The clerk told me the name of the person who was served. The person that was served was a XXXX XXXX XXXX kid, who is a minor, on XX/XX/XXXX and that a judgement in favor of the collection company was issued on XX/XX/XXXX. I never saw the paperwork. I never received mail. The address on the paperwork is not correct either. The court date set for garnishment is XX/XX/XXXX XXXX  and XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any, and all fraud alerts from my Experian Credit Report. I've tried to upload the form, front ID scan, and my bank statement as proof of address many times to the upload portal but am unable to.
Product: Credit card

On XXXX/XXXX/16, Citibank close my Prestige Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened in XX/XX/XXXX and I paid the {$450.00} in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$450.00} annual fee I paid.
Product: Credit reporting or other personal consumer reports

Back In XXXX, During the pandemic I called into XXXX  XXXXXXXX XXXX XXXX to make my very last Car Payment. But because of the pandemic the customer service rep. that was assisting me at the time stated that I didn't have to make the payment because of the Covid 19 relief that XXXX XXXX was extending to all of there customers. But since that date XXXX  XXXXXXXX XXXX XXXX has been dinging my Credit Report Ever since. 46 Months of Charge Offs being reported on my account, for 4 years. this not only obsessive but abusive behavior.