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

I want to start off by saying that I am writing on behalf of myself. I am really concerned about how the credit bureaus have been ignoring my disputes. I do not know what is going on. I've disputed inaccurate information on my credit report three times already, and they have ignored my disputes every single times. Inaccurate information should not be on my report. This is against the law! 

This is really concerning to me also because I am a victim of the Equifax data breach and I know my information has gotten into the hands of the wrong people. 

I sent in my first dispute to the credit bureaus on XX/XX/2020, and nothing was done about my disputes. I sent my second dispute on my other accounts, and I was ignored again. I sent in a third dispute on XX/XX/2020, and I still haven't heard or received any results on their investigation. I feel like I'm being taken advantage of. It's been over 3 months! This is unacceptable. Please delete all of these inaccurate accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Equifax block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Product: Vehicle loan or lease

Wells Fargo has violated multiple Truth In Lending Act Laws and Fair Debt Collection Practices Act Laws including but not limited to furnishing false and deceptive forms, harassment, theft and identity theft, coercing and extortion of payments on an extension of credit and I would like to evoke my specified remedy. I requested an audit trail of all accounting of origination of the unlawful money that was allegedly given and an authenticated verifiable contract bearing my wet signature, but they failed to provide this and continue to knowingly break the law. I spoke with XXXX XXXX from Wells Fargo and he said Wells Fargo denied my right to try and settle this dispute through arbitration. Therefore, I filed a claim and demand Wells Fargo to cease and desist ALL COLLECTION EFFORTS in regards to my property. They continue to break the law and violate my rights and I need this to stop immediately. Wells Fargo continues to try to use unfair practices in attempts to commit theft/unlawful repossesion of my property that they don't have a right to do. I demand a Wells Fargo release any encumbrances or liens from my property immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago, I was called by a company called Equitable Acceptance saying that they would help me pay on my student loan and I would pay XXXX towards my student loans. However, I later found out that that XXXX was going to something that is said to be a 3 year doc fee. I feel like I was scammed because I asked if this would go towards my school loan and they told me that it would. However, it appears on my credit report as a credit card loan that I have to repay which is XXXX. I would have never signed up for this service had they told me it would not go towards my school loans. I would have just have paid what I owe directly to the people I got my school loans from. They take money directly from my account every month on the XXXX and I called and asked them to remove the loan because I did n't want to continue services and I was told that I had 3 days to cancel and it was well pase my 3 days. They also mentioned that they paid XXXX XXXX XXXX for me thats why I had to repay them. I really need to get out of this loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found XXXX closed accounts with late payments that do not belong to me. These accounts were fraudulently opened in my name and are hurting my credit. XXXX, reported by XXXX, was opened on XX/XX/XXXX, with XXXX late payment from XX/XX/XXXX. XXXX XXXX Bank, reported by Equifax and XXXX, was opened in XX/XX/XXXX and has XXXX late payments from XX/XX/XXXX to XX/XX/XXXX. There are also inconsistencies across bureausTransUnion shows no late payments for XXXX XXXX XXXX, while Equifax and XXXX do. Since these accounts were fraudulently opened, I should not be penalized for them. I have disputed them, but they remain on my report, affecting my ability to obtain credit. I need these accounts and their negative history removed immediately.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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: Vehicle loan or lease

I submitted more than 20 complaints regarding Santander consumer usa regarding car loan.I told you they were charging me XXXX to make a payment by phone they said they were not. Looking in earlier in the loan in my transaction they did charge me XXXX to make a phone payment .I have submitted over 20 complaints yet you do nothing they have charged me XXXX early in loan to make phone payment often that was a Enforcement i told you this before
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both XXXX, XXXX XXXX, and XXXX multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Debt collection

I owe for a past due utility bill from XX/XX/XXXX. I received a notice XXXX XX/XX/XXXX that I owe {$90.00}. I responded back XXXX XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX XX/XX/XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Product: Credit card or prepaid card

The IRS send me a stimulus check on XX/XX/2020 When i asked the credit card company for my last 4 numbers on my account DirectExpress is my card holder and they are very disrespectful because they have Social Security account. I have the letter from the President saying when my check was sent out. I want to know why they are so disrespectful to people on Social Security. I'm going to the attorney general next if nothing done in this matter of paramount importance. Thank you in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they a
re suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
Product: Credit reporting or other personal consumer reports

My account with PROSPER CREDIT CARD was never late. I have had exceptional payment history with PROSPER CREDIT CARD and all payments were placed on Autopay. 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 my 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 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.

PROSPER CREDIT CARD Never Sent the periodic statement along with the disclosure 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: Mortgage

My bankruptcy was finalized before the reaffirmation could be XXXX, so XXXX sold the loan and the new company ( Carrington ) is now reporting the mortgage as well on my credit report as " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, 2013 ''. So why are both XXXX and Carrington allowed to both report this when there was only XXXX loan that we continue to pay and pay on time.
Product: Credit card

Capital One Dispute Case number XXXX Credit Card end : XXXX I am writing to you again regarding the unauthorized charge of {$1100.00} on my Capital One card, allegedly for an airline ticket purchased through XXXX XXXX. My previous attempts to resolve this matter have been unsuccessful. 

My initial contact with XXXX XXXX  resulted in their denial of any such transaction. Subsequently, Capital One, while acknowledging the charge, requested additional information from me before processing a refund. I provided this information to XXXX, but they claimed it was insufficient to issue a refund. 

I then contacted Capital One again, explaining the ongoing discrepancy with XXXX. Despite my efforts, the issue remains unresolved. Capital One has not only refused to provide a refund for the unauthorized charge, but they have also added additional fees to my account. 

This situation leaves me with a significant financial burden and no proof of a ticket purchase I never received. Booking.com has received payment for a service that was never rendered. I request your urgent intervention to investigate this fraudulent transaction and ensure a full refund of the {$1100.00}, as well as the improperly assessed fees. I am prepared to provide any further documentation you may require.
Product: Student loan

My XXXX XXXX is on a year long internship with XXXX. Firstmark Services refuses to place the loan into forbearance status. I sent a letter from XXXX and completed required forms for account XXXX, yet payments continue to be deducted from my bank account. Firstmark has very confusing website information and it is difficult to understand how much is being deducted each month. Finally, in submitting documentation to Firstmark, they ask that sensitive information including social security numbers be emailed to them via non-secure email.
Product: Checking or savings account

XX/XX/22 I received a letter from Wells Fargo indicating they were closing my account because it was either compromised or impacted by potential identity theft. I have NEVER opened an account with Wells Fargo. 
XX/XX/22 I received a postcard from Wells Fargo stating " unable to email you about your online statements. Please sign onto wellsfargo.com from your computer to view your statements '' I have tried to reach a representative of Wells Fargo at XXXX ( phone number provided in letter ) to discuss this fraudulent account. On hold for over 30 minutes each time without talking to a human being.
Product: Mortgage

I have a few mortgages with Amerihome mortgage and one with XXXX XXXX. My home insurance recently changed. It used to be with XXXX, it is with Auto-Owners now. My Auto-Owners agent provided everything that is needed to both XXXX XXXX and Amerihome Mortgage to update the records to include new insurance. The problem is that both XXXX XXXX and Amerihome had the amounts listed as {$6400.00} for each of the properties which is incorrect. It is supposed to have individual amounts for each property and not combined amount for all of the properties. My Auto-Owners agent contacted XXXX XXXX and Amerihome verbally and by fax to have the numbers updated. XXXX XXXX updated the amount to what it is supposed to be, however, Amerihome is not updating the insurance premium and it has it listed as XXXX for each of the properties which will be an issue when its time to pay out the premium as well as do escrow analysis as my mortgage payments will increase. My agent faxed a letter of explanation including the policies and the amount breakdown for each property on XX/XX/2018. She spoke with the agent verbally on the phone and I spoke with agent who confirmed that she saw the fax and that it will be corrected. I checked the records and after a few days it still hasnt been corrected. This will create an issue for me in the next few months as the insurance premium will be paid XXXX times all of the properties to over {$30000.00} instead of XXXX for all of them and my mortgage payment will skyrocket if it is not fixed before than. My insurance agent has done everything what was needed and faxed the documents in and I am helpless a this moment. I hope Amerihome Mortgage can fix this issue as XXXX XXXX already did before it is too late.
Product: Checking or savings account

My account received a Legal Order on the Bank of America online banking on XX/XX/2021, and all the money was taken out and no money is left now. 

I called Bank of America customer service over 7 times, but no one from the customer service team can explain, which agency asked the bank to make the Legal Order, what the Legal Oder is about, and how long it will take them to finish the review of my account. 

And every time the customer service representatives provide totally different answers. Sometimes they said I should only need to wait until next Tuesday, and sometimes they said I should contact their legal team ( but the phone number they provided can never be connected ), and sometimes they said I should write to the ICE. 

So, I am wondering as a very angry consumer, how can Bank of America act so unprofessional? How can they take my money without any clear notice? Does the agency they said really exist, or it is in fact the BoA take my money?
Product: Debt collection

Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! I don't know why these company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 
I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. 


Please investigate and take a look at these accounts : XXXX XXXX  XXXX XXXX .... and XXXX XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX. 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 an 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 item 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: Debt collection

These accounts do not pertain to me at all. Please have them removed from my credit report immediately. 1. CAPITAL ONE BANK USA N XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX. XXXX, XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/XXXX from a debt company named Capital Accounts stating I owed a debt to XXXX XXXX XXXX based in XXXX, AZ. 
I went the debt collector website to dispute but the website was not legit and did not do anything when I entered my info and the account number they provided. So, I went to the website for the company and the website http XXXX XXXX led to a vulgar website for XXXX girls . 

XXXX : XXXX? XXXX XXXX XXXX - XXXX & XXXX Nature Head Office Year established XXXX Activity ( XXXX ) Offices and Clinics of Chiropractors ( XXXX ) See the XXXX classification No employees ( address ) XXXX Employees No employees XXXX Employees Kompass ID? XXXX Company shows as closed.
Product: Debt collection

I had an account with XXXX ( XXXX ). Lost my Job for months and could n't pay the {$920.00} in debt I acquired. When I got employed again and called XXXX to pay off balance, I was informed after 5 months that my account was going to be sold and to not pay until the account was sold to " Midland Credit ''. I called midland credit and kept being given different sketchy, non verified numbers to call. About 3 weeks ago I got a call from an unknown number claiming to be MCM, which I do not trust being that MCM is notorious for committing fraudulent acts. I promptly hung up the call and I had received a letter in the mail claiming I owe midland credit over {$1100.00}. When I call the numbers on the website I ca n't get any information about my account, I just keep being given non verified numbers to call. Being that there was some recent fraud wig one of my credit lines I have to be very careful and discerning when it comes to giving out my personal information, especially for a company that I did n't do business with, and when it 's a company known for their committing fraud and.
Product: Credit reporting or other personal consumer reports

The company violated my rights according to the following : 15 USC 1681 section 602 states that I have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account without my permission 15 USC 1666b : a creditor may not treat or report a payment on a credit account as late for any purpose