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

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it XXXX concern, XXXX writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting JPMCB CARD Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX ACCOUNT DATE XX/XX/2021 In accordance with the credit reporting bureau. Everything has to be 100 % accurate on my report. The credit bureau stated my account was properly investigated but how is that possible if the date open is inaccurate and the last date reported is inaccurate. This is ground for removal my right is being violated under 15 U.S.C 1681 Section 602 A. I have the right to privacy. 15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my Rights 15 USC 1681 Section 602 states I have the right to privacy.

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 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears to be consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Student loan

It 's a bit difficult to pay the XXXX most expensive bills I have with XXXX paycheck, so I was attempting to move due dates with XXXX of my student loan providers. I called Wells Fargo about a week or two before my due date on XX/XX/XXXX. I spoke to a man and everything seemed to go okay. He told me that there would be no problem with moving my due date to XX/XX/XXXX. Much like the other provider I had successfully changed dates with, he also stated that I would not have to pay that current month on XX/XX/XXXX - that I do not owe anything until XX/XX/XXXX. 

I asked him a few repeated questions : are you sure the late fee I still have wo n't prevent me from moving the date? are you sure there is no way that this request will be denied? are you absolutely sure I do not have to make a payment on XX/XX/XXXX? 

He confidently told me that I had nothing to worry about. My due date will now be XXXX of each month and I did not have to make a payment until then. I then asked if he knew when my account online would reflect the date change - he told me about 3 days. 

A week later, about two days before XX/XX/XXXX, I realized I had n't checked my account online. Sure enough, it still shows that I have a payment due in two days. I call Wells Fargo again, spoke to a different man. He informs me that my request had been denied. 

I asked why I had not been contacted to inform me that I still owed money on XX/XX/XXXX ( as I had been told I did not ). It sounded an awful lot like they were hoping to gain a late fee from me. He told me that they do not have a system in place to contact borrowers for such matters. 
I asked him why my request was denied, despite the last rep ensuring me that it would n't. He told me that I did not qualify to change the date. 
Why? Because I had already changed my date once before. 

The conversation goes back and forth while I tried to comprehend what he was telling me, as he was providing not much description of policy and contradicted himself by once telling me I would be able to change my due date once I paid on XX/XX/XXXX. 

After the ensuing confusion and misinformation, as well as general upset having learned I was lied to, I hung up and called back about five minutes later to speak to a supervisor. She informs me that there is a cap on the amount of days a borrower is allowed to change the due date. 

A few years back, under a different pay schedule, I had moved the due date from XX/XX/XXXX to XX/XX/XXXX. The date change was after discussing alternative repayment options, which I was informed that I did not qualify due to my cosigner. 

The cap is around XXXX, so my request to move my due date 11 days earlier in the month was denied. There was nothing they could do, nor I could do. She had no explanation as to why the first XXXX reps had lied to me, and the most she could do was submit the complaint so that a manager would review the issue with the reps. 

I was lied to, twice. They made zero effort to inform me that they had provided me with misinformation - if I had not thought to check that day, I would have accrued even more interest on top of a late fee.
Product: Payday loan, title loan, or personal loan

Regional finance XXXX Texas keeps calling my work And its unethical I told them Im not allowed to take personal calls at work They call everyday I wan na put a complaint on them! 

They are rude and aggressive They call me at work I have proof they call me everyday on my phone And proof they call my work everyday Its annoying my work is getting mad I dont even answer the call anymore
Product: Debt collection

Hello, so I have been in contact with the the credit bureau about account XXXX XXXX XXXXXXXX account that have been reporting inaccuracies I have sent letters reporting the information in XXXX XXXX the information was removed from on credit bureau but not the other XXXX which have been affecting me and my score tremendously. I need the information to be fixed immediately.
Product: Debt collection

I received a letter from CBE Group last month ( XX/XX/XXXX ) that said an unpaid XXXX account had been referred to CBE Group for collection and that I owed more than {$450.00}. 

I do not have an XXXX account. Concerned about fraud, I called XXXX for more information and they confirmed I did not have an account and therefore, said it was impossible for XXXX to have forwarded any information to a collections agency. 

I then called CBE Group. They began the call with a " confirmation '' in which they read my address aloud for me to confirm even though I did not give personal information on the call -- not even my name. I don't know how the repesentative knew to pull up my address of why they had it on file. 

I informed a representative that I did not have an XXXX account. She then proceeded to tell me the name/handle associated with the XXXX account, the email address associated with the account and the items purchased on the XXXX account that led to the unpaid balance -- I'd never heard of any of them. 

The representative said they would include this information in their file and CBE Group would " investigate '' and then reach out to XXXX to confirm that this information was true. She said if XXXX confirmed this information, then CBE Group would send a letter back to me to confirm I no longer owned a debt. 

This was not the first time I'd received a letter from CBE Group. The first time I received a letter was a few months earlier but my attorney told me it was a scam so I did not respond. However, after that, I received at least one call from the company. Then I received the second letter ( in XX/XX/XXXX ), which said that if I did not respond in 30 days, that the debt collection agency would assume the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX  {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX - Creditor : XXXX  || Account Number : XXXX - Creditor : XXXX XXXX XXXX || Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit agenciesXXXX Experian, and XXXX their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as well as against XXXX XXXX XXXX for their fraudulent and unlawful debt reporting practices. Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/year>, I sent a demand for validation to XXXX XXXX XXXX regarding a reported debt they claimed I owe. Despite this, on XX/XX/year>, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 

Furthermore, XXXX XXXX XXXX has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is six years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. I reported these issues to the credit agency by phone yet they did not send back any updates correcting the issues. 

As a direct result of the fraudulent reporting by XXXX XXXX XXXX and the negligent oversight by XXXX, Experian, and XXXX, I have been unjustly denied access to credit opportunities for the past three years. This includes the inability to secure financing for purchasing a XXXX XXXX XXXX XXXX, causing significant XXXX XXXX and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of XXXX XXXX XXXX and the credit agencies. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections and the credit reporting agencies. 

Additionally, I request that XXXX, Experian, and XXXX immediately update and remove all reporting efforts for XXXX XXXX XXXX and XXXX from my credit reports to rectify the inaccuracies and prevent further harm to my financial standing. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to rectify the violations committed by XXXX XXXX XXXX and hold XXXX, Experian, and XXXX accountable for their failure to ensure the accuracy and fairness of consumer credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.
Product: Vehicle loan or lease

i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.
Product: Debt collection

I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX
Product: Debt collection

18 U.S.C. 1028, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers 10 prohibited acts, including : Producing or transferring false or unauthorized identification documents Possessing five or more false or unauthorized identification documents with the intent to use them unlawfully
Product: Debt collection

I provided clear statements that I was disputing the unauthorized debt to XXXX, XXXX, XXXX, XXXX XXXX and MRS BPO LLC. Please see the debt validation letters attached dated XXXX XXXX XXXX, final attempt on XX/XX/XXXX with the Certified Letter # XXXX, asking for specific details about the debt being reported inaccurately. I reached out to all of these reporting agencies around XX/XX/XXXX, and received a letter attached online, saying they were going to investigate, but I still have not received anything in writing to show what course of action ( s ) were taken, or anything given from them to say what they were using to determine how they investigate and/or how they came to a conclusion/findings. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to investigate the accuracy of the listing. I requested to be supplied with the valid data used by using the Federal Trade Commission ( XXXX XXXX XXXX and XXXX  ) letters given when I reported my identity, emails, Driver 's License ( ID ), accounts created, and money being stolen. Police Report Numbers XXXX and XXXX, were also attached. 
MRS BPO LLC, the debt collector, failed to validate the debt despite a certified letter request, received the signed return receipt back in XX/XX/XXXX. The debt is listed under XXXX XXXX. I outlined all records to be sent to me. Creditor failed to respond to debt validation and findings for fraud. They only provided the single-page letter dated XX/XX/XXXX, referring back to the unauthorized company. MRS BPO LLC failed to validate the debt and is prohibited from engaging in business in Texas under Texas Finance Code Section 392.101. Per NLMS, debt collector is not licensed/registered in the State of Texas, and have been reported to the Texas Attorney General. XXXX closes the report without their findings and the information I requested.
Product: Mortgage

My bankruptcy case was discharge on XX/XX/XXXX XXXXI was suppose to receive a escrow overage of {$1300.00} from my mortgage company Wells Fargo in which they send it to the bankruptcy trustee office of XXXX XXXX  XXXX XXXX XX/XX/2020 and was deposited into the trustee account on XX/XX/2020. I talk to wells fargo and they said there nothing that they can do cause the trustee has deposited into there account.I try many of times to contact the trustee and no results, I hope you can help with this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX. XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 XXXX. XXXX XXXX XXXX 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 or other personal consumer reports

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