23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a new checking account with Wells Fargo in XXXX of 2023. 90 days after depositing at least {$500.00} I was supposed to receive a {$320.00} promotional bonus. I never received the bonus and no explanation was provided for why. The agent could only tell me the promotion was not available for my account even though I opened the account using the promotion code provided.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my prior request made over two months ago for information and validation regarding inaccuracies on my account. To date, I have not received the requested documentation, yet the inaccurate information persists on my credit report. This failure to provide validation within the time frame required under the Fair Credit Reporting Act ( FCRA ) is a violation of federal law.

The specific issue relates to late payments being reported on this account. As you have failed to validate this information within the FCRA-mandated timeline, I am formally requesting one of the following actions : 1. Remove the account from my credit report entirely. 2. Remove the late payments from this account, as their continued reporting without validation is unlawful. Under FCRA 1681i ( a ), you are obligated to investigate disputes and either verify or correct inaccurate information within 30 days ( or 45 days in specific circumstances ). Your failure to comply with these requirements obligates you to remove the disputed information. 

Please confirm the immediate correction or deletion of this account in writing. Failure to comply may result in further action, including formal complaints to regulatory agencies and legal remedies.
Product: Payday loan, title loan, personal loan, or advance loan

I am overwhelmed with payday loans and unable to stay current on my car payment, electric and rent. The interest rates are compounding and I have had to take out more loans to pay off the current ones. 
Speedy Cash is threatening my arrest through the XXXX if I dont repay.
Product: Debt collection

I am writing to express my frustration and demand immediate action regarding a collection account from XXXX XXXX XXXX for {$430.00}, which appears on my credit report. I do not owe this debt, and this account should not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide proof that they have the legal right to collect a debt. XXXX XXXX XXXX has failed to demonstrate that they own or have the legal authority to collect on this debt. Without this proof, they have no right to pursue collection efforts or report this debt to the credit bureaus. Additionally, according to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Reporting a debt that I do not owe constitutes a violation of this act. I am requesting the immediate removal of this incorrect account from my credit report. I demand a formal investigation into this matter and expect a written response confirming that this account will be deleted. I have file a FTC report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion Credit Bureau 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX : {$310.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXXK 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: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; Trans Union, XXXX, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.
Product: Credit card or prepaid card

Apple card denied my loan application despite having an exceptional payment history and XXXX credit having a Marcus savings account and not missing a payment in 3 years. 

The loan was denied on false pretenses : My credit utilization is 43 % I have two credit cards and two personal loans with a credit union, and my student loans have five accounts in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, report # XXXX regarding an account that report on my credit report out of the blue. I was in the process of applying for a home loan and as a result of this negative account, was prohibited from moving forward. 

Experian continued to send generic letters stating that the account had been verified and would remain. 

So I reached out to the original creditor to gather more information about the account. 

In spite of Experian generic responses saying the account was verified and would remain, the original credit stated that they had sold the account to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is not who reported this account on my credit report in XX/XX/XXXX, which caused the dramatic drop in my credit score. 

Clearly, Experian did not do a thorough investigation of my dispute. I am requesting the removal of this account entirely and the negative reporting.
Product: Debt collection

{$120.00}, {$810.00}, {$960.00}, are medical collections that have not been verified to which maybe in violation of the HIPAA laws. Through various and numerous times no one has sent me to prove these accounts are owed and are mine. I've sent letters and no one has contacted me but told the credit bureaus it was verified without giving me proof. So these 3 medical collection is harmful to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX
Product: Credit card

This is regarding the RCI Mastercard from Barclaycard. 

I set automated payments through my online banking for a transfer I did over a year ago and payments were happening without any problem. The on XXXX XXXX, XXXX I learned that I owed over {$200.00} dollars in late fees, which was unexpected given the automated payments. I called and was told there had been an interest rate change that I did n't know about. Anyway, not only I proceeded to pay that fee but I also asked what the balance amount was so that I could pay it in full and have XXXX balance. The proceeded to pay the full amount but then on XXXX XXXX, XXXX I get a statement indicating a balance of close to {$1000.00}. Note that I made no use whatsoever of the credit card. I called again and the representative said it was balance left from the last payment. I insisted that I paid the full amount I was told to be at XXXX balance because I did n't want to have to pay interests. So then I asked again for the full amount to have XXXX balance and I paid immediately. Then last night, XXXX XXXX, XXXX I get yet another statement indicating that I still owe {$2.00}. This is unacceptable! I called and was told it was interest. Why is RCI Mastercard Barclay doing this? The only explanation is that by ripping of a few dollars out of hundreds of thousands of customers they are ripping XXXX dollars from us. I the end the representative waved that payment but ( a ) I may still get another statement next month and ( b ) the issue is not the amount but the act. 
There should be a Class Action Suit against RCI Mastercard Barclay because this is deliberate abuse. I demanded all my conversations with RCI Mastercard Barclay to be recorded so that they can be subpoena. 
It is the responsibility of the authorities to take action on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. A couple of years ago i lost my wallet which contained my id and social security card and my information was exposed in the XXXX data breach.
Product: Debt collection

ON XX/XX/2019 PINNACLE RECOVERY , INC . SENT A LETTER TO ME ABOUT A DEBT THEY CLAIMED I OWED IN THE AMOUNT OF {$11000.00}. THE ORIGINAL AMOUNT WAS {$8400.00}. I IMMEDIATELY SENT A LETTER ON XX/XX/XXXX TO THEM AND TOLD THEM THAT THIS IS NOT MY DEBT. I RECEIVED NO RESPONSE UNTIL TODAY WHEN I RECEIVED ANOTHER STATEMENT SAYING I OWE THE MONEY AND THAT IF I DO NOT PAY BY XX/XX/XXXX THEY ARE GOING TO REPORT THIS TO THE CREDIT BUREAU. THIS DEBT IS FOR A MORTGAGE AND I HAVE NEVER OWNED A HOME. IF YOU LOOK BACK TWENTY YEARS, THIS HAS NEVER BEEN AN ACCOUNT ON ANY OF MY CREDIT BUREAU REPORTS. I AM SENDING THEM A SECOND LETTER TODAY AS WELL AS CONTACTING THE XXXX. PLEASE HELP ME TO RESOLVE THIS ISSUE. ( THE ORIGINAL COMPANY HAS NEVER BEEN ON MY CREDIT REPORTS EITHER. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXX A XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My current auto loan is with Bank of America and it was established XX/XX/XXXX. From the date of inception I have been adding excess amount to my monthly payment with the understanding that the extra amount would go towards the principal of the loan. However after sending in a larger payment on XX/XX/XXXX, I noticed on my next months bill that my general payment was lower and the excess dollars that were being sent in were going towards future payments and interest. No where on the Bank of America site does it allow the customer to select additional payments to go to principal only, nor does it want the customer that the additional payment will not go to principal. After speaking with a BofA rep on the phone, they do not allow customers to submit principal only payments online. I was informed the only way to submit principal only payments was to fill out a ACH form, which is not available online, or to mail in a check. These practices are deceptive and prolific across the Bank of America loan population.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and experian are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX  I was looking to rent a home and was turned down, I recieved a copy of my credit report and to my surprise found out I have been a victim of identity theft. I found that there was an auto loan for XXXX XXXX XXXX XXXX on my credit report but I NEVER applied or approved any such auto loan. I filed an FTC report, contacted XXXX XXXX XXXX XXXX by phone, mail, and email and was NEVER provided with any proof that the loan belonged to me.
Product: Mortgage

To whom it may concern, This is a complaint against not only ocwen llc, but, also goldman sachs, for fraulant activity, dealing with my mortgage that originated with XXXX, apparently Ocwen, went to XXXX XXXX to invest in my property and they did as of XXXX/XXXX/XXXX. My loan with deuache Bank was paid off, Ocwen never gave me my satisfaction of mortgage, so I went to city hall and they informed me that my account had been updated as od XX/XX/XXXX,. On XXXX XXXX XXXX, one day before forclosure which I was not informed of, I was called by someone in the research esclations deptment telling me not to worry about the forclosure that my house is in the satisfaction of mortgage dept, well low and behold my home was sold on XXXX XXXX XXXX, even after the sherriff had told the law firm it was a fraudulent sale, 30 minutes later they had bought my home. Now I have been fighting to keep my home filing motions and being denied, I do not know if I could appeal it now I 've been sick, and my sister in law passed, But, I will go do that on XXXX/XXXX/XXXX. Now I have called Ocwen research XXXX/XXXX/XXXX, and they are again telling me it 's being investigated. I also called XXXX sachs reguarding their investment on my home and they toldme they ca not discuss this with me, but, he will be getting intouch with Ocwen, to see what is going on. Apparently, Ocwen, was servicing both of these investments, I have called XXXX and spoke to a vice president, who claims although he had everything stating my loan was satisfied in XXXX he could not put anything in writing. I do n't understand how people could sleep at night knowing they owe you what is yours. Now I have Ocwen 's eviction lawyer XXXX XXXX, phone number XXXX XXXX, she too has that it is paid off and she told me there going through with the eviction, Please help me, My home is mine, and no judge will go against another, they wont even look at my evidence, this is a violation of my rights. I need your help ASAP, Please I have XXXX daughter 's and a granddaughter in my home with me. Ocwen 's reo is coming to my home at night and flashing a flash light in my front window, that 's trespassing. I do n't know what to do, I have no money it has all gone on saving my home, Please Help Me.
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER : XXXX Date Last Payment : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate High Credit : XXXX XXXX -- Credit Limit : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Last Reported : XX/XX/year> Inaccurate XX/XX/scrub>XXXX  Inaccurate XX/XX/year> Inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF ED Account numberXXXX Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 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 in information is inaccurate.
Product: Mortgage

on XX/XX/year> the bank received a check from my insurance company for {$83000.00} with instructions on the how the funds should be applied. This letter asked them to pay off the loan and send the remaining funds back to me. I contacted the bank to ask if they got the check and they did. They said they would send me a form however when I log in the form is not there.