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

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX, 2015, Wells Fargo sent me a letter informing me that my student loans can not be paid more than 20 days from the due date. If payment is received more than 20 days from the due date, the due date will not change. For example, if a payment is due on XXXX XXXX, and I make a payment on XXXX XXXX, the payment will be accepted but the due date will remain as XXXX XXXX ( not XXXX XXXX ) which forces me to make another payment in early XXXX to change that due date. The result of this is that it deters me from making a payment every 4 weeks ( 13 payments a year ) and instead, I have to make a payment once a month ( 12 payments a year ). 
Unfortunately, like XXXX of Americans, I live paycheck to paycheck, however, with my salary, I could still afford to pay every 4 weeks. What I can not afford, is to pay more than 20 days ahead and be forced to make a payment in less than 4 weeks so that the due date rolls forward and I do n't face late payment fees. This is a problem because these student loans are front loaded with interest so the only way I can pay down more principal each payment is if I pay every 4 weeks. If I pay once a month, I pay more in interest because it accrues so fast and payment towards the principal balance actually decreases from that of the previous payment. Also, please note that I will likely be paying off these student loans for another 20 years ( at {$190.00} per month ) so not allowing me to pay it off quickly is hurting me financially, while in turn, helping Wells Fargo earn more interest. 
Wells Fargo states that this change is to help the borrower but as I have explained, it only helps Wells Fargo prevent the loans from being paid off while generating more revenue for them, which is unethical. Student loan debt is certainly a hot button issue in the United States as millions of people have accrued enormous amounts of debt to go to college in the hopes for a better life. While the debt is a problem, the bigger problem is the fact that Wells Fargo is creating tactics that make it more difficult to pay off these loans efficiently, keeping people in debt for much longer than they need to be. It is my understanding that the CFPB was designed to help consumer 's like myself, have a voice when they are being wronged by a greedy financial institution. I feel that this is a prime example of what the CFPB is designed to do. I hope that you investigate Wells Fargo as well as any other " too big to fail banks '' for unethical methods regarding the repayment of student loan debt from people who will already be paying off these debts for 25 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX Date : XX/XX/year> The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation of Incorrect Information on Equifax Credit Report Dear XXXX , I am submitting this formal request for the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate my Equifax credit report due to incorrect information that has yet to be corrected. Despite my efforts to resolve these issues directly with Equifax, the inaccuracies remain.

Firstly, I have been affected by the recent lawsuit and believe my case needs further investigation. I have experienced numerous occasions where Equifax has not sufficiently investigated my claims, resorted to stall tactics, or removed and then reinstated incorrect information under the guise of completed investigations.

Several charged-off accounts are improperly reflected on my report. According to IRS guidelines, I should have received Form XXXX for these charge-offs, which I have not. The details are as follows : XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) A charge-off with an overdue credit of {$XXXX}. I have not received a XXXX form for this amount. 
XXXX. XXXX XXXX ( Account ending in XXXX ) A charge-off with an overdue credit of {$XXXX}. Neither the XXXX form nor the credited amount has been received. 
XXXX. XXXX XXXX ( Account ending in XXXX ) Includes a charge-off that persists on my credit report despite not receiving a XXXX from XXXX. 
XXXX. XXXX XXXX ( Account ending in XXXX ) Another charge-off with an overdue credit of {$XXXX}, for which I have not received a XXXX form. 
XXXX. Resurgent Receivables ( Account ending in XXXX ) This collection account is fraudulent and should not be reported. I have no contract with them nor have I permitted them to report to Equifax. They have not provided forward flow agreements, chain of assignment, purchase agreement, insurance claim of debt, or any signature agreeing to pay. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Another charge-off for which I have not received a XXXX form, and this entry must be removed from my report. 
It is my understanding that these charge-offs should not be reported as income on my credit report without the issuance of a XXXX form. Furthermore, these amounts should be credited to me, but I have yet to receive any payment. Please ensure that all credits due to me are deposited into my account with the following details : Routing number XXXX, Account number XXXX ( XXXX Bank ). 
I urge the CFPB to intervene and ensure that Equifax conducts a thorough and accurate investigation into these discrepancies. I appreciate your attention to this matter and look forward to your prompt response. This has caused a great deal of mental anguish and denial of credit. 
Thank you for your assistance. 
Sincerely, XXXX XXXX last XXXX of XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy. 

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures. 

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights. 

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included. 

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX  XXXX XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with Equifax this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

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

Ally Financial This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Product: Credit card

Key bank transferred my balance to Elan Financial and rate went from 9 % to 15.99 % ... I have not been using this card and working to pay off the balance ... .Never late ..maybe once a few days and most often pay overlimit ... Trying to pay off still owe {$10000.00}. not aware ofthe ability of them to just raise the rate but read hear maybe not correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX
Product: Debt collection

RECEIVABLE MANAGEMENT SYSTEMS is the debt collection agency. 

Original Debt stems from XXXX XXXX XXXX XXXX. I did not receive any medical service from them. I have always had medical insurance coverage and the amount they attempted to bill me is well beyond what I would have been billed even if I had received service.
Product: Vehicle loan or lease

I am not past due on my account and the bank ALLY Bank called my neighbors looking for me. When they had a good phone number to call me. I tried to file a complaint and was transferred from XXXX to the US and back from rep to rep and was denied a Mgr. It took over an hour to get to the operation XXXX Division Mgr XXXX, XXXX XXXX XXXX who could not resolve the situation. 

I am worried that they will continue to act unprofessionally and continue to call my neighbors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on various occasions throughout the year of XXXX and XXXX regarding inaccurate information on my credit report which includes the following : Inaccurate addresses : I was told that account could not be removed as they were reported by original creditor. I contacted creditors which took hours and was told that they are only reporting my current address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Late payments : XXXX XXXX XXXX Experian is showing over 6 late payments on this account, including a late this month XX/XX/XXXXwith a past due balance of {$540.00}. My payment has been made on time for XXXX and XXXX also reports 1 month behind ; therefore it would be impossible for them to receive this information. This is a clear error and Experian refuses to correct it. 

Late Payment : XXXX XXXX This account has never been late. 

Chapter XXXX Bankruptcy I have not Chapter XXXX bankruptcy and Experian is the only credit report with this listed on it. 

Listing of a Spouse : I am not in anyway associated with anyone who should be listed on my credit report. 


Listing employer : Requested that this be removed. They refuse. It is not accurate information. I have not worked for XXXX XXXX XXXX in the last 4 years. 

Listing of accounts from XXXX and XXXX. 

Listing of XXXX XXXX XXXX XXXX as a disputed account. This is an account that I have had since XX/XX/XXXX and it is in good standing. It was NEVER disputed and is being reported incorrectly with the high limit amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

TRANSWORLD SYSTEMS INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXXConsumer Hotline : ( XXXX ) XXXX-XXXXConsumer Hotline Fax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TRANSWORLD SYSTEMS INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TRANSWORLD SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX
Product: Mortgage

I have an interest only HELOC on my house. It is in second lien position. I have had a significant reduction in income this year. 

I made a payment on my past due balance in XX/XX/XXXX - attaching proof of payment to this complaint. Citizens Bank applied this amount to principal only, not the past due balance. I called to have them fix and they would not fix. 

I then made another payment on XX/XX/XXXX. and the same thing happened again. I have called multiple times regarding this issue- with no help. I just keep getting transferred to different depts. 

I want these two payments applied towards the past due balance. 

I have attached the payment schedule from Citizens bank as well as the current statement. These payments were applied to principle on XX/XX/XXXX and XX/XX/XXXX- they should have been applied to the past due balance. 

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUDXXXX The account was brought current in XXXX and I made my first mortgage payment again XXXX. Midland Mortgage reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased petroleum products with my Chase Credit Card worth INR XXXX from a merchant with the promise of delivery within 7 business days of the payment. ( SEE MERCHANT DECLARATION ATTACHED ) Despite repeated attempts to reach out to the merchant after 7 business days, I have not received the promised products TILL DATE. 

I filed dispute in XXXX for non-delivery of the said products with Chase Cardmember Services, Chase Bank however despite repeated attempts to reach out via Chase Message Center, I did not hear back. ( SEE ATTACHMENTS ) On XX/XX/XXXX, Chase wrote that they have decided the case in favor of the merchant ILLEGALLY WITHOUT- a ) PROOF OF DELIVERY b ) TRANSACTION CHARGESLIPS ( Thus transactions are not bound by card-member agreement ) c ) MERCHANT RESPONSE ( No merchant signed response has been shared ) In addition, the Dodd-Frank Wall Street Reform and Consumer Protection Act, 2010 's Regulation Z and TILA, includes prohibitions on mandatory arbitration and waivers of consumer rights however Chase has refused to abide by the same in it's responses ( SEE ATTACHMENTS ). 

A COPY OF THIS COMPLAINT AND ITS OUTCOME WILL BE SHARED WITH SEC, Federal Reserve Board & DEPARTMENT OF JUSTICE FOR MONITORING & REGULATION PURPOSES.