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

Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - Equifax , Inc. will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
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. 

Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX, XXXX XXXX XXXX, 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.
Product: Mortgage

I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.
Product: Credit reporting or other personal consumer reports

I did my due diligence and contacted them to have the honor their part of our agreement. I was told this would be updated in 30-45 days but it still appears on my report.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX, I received a call from Wells Fargo XXXX department. Wells Fargo agent asked me to verify my address and then inform me no they were quiring two transactions in different amounts that were made in XXXXXXXX XXXX 

I advise the agent That I did not make those purchases in XXXX as I live in XXXXXXXX XXXX and as a XXXX veteran, I dont travel very much outside of XXXX XXXX The advised me that they would reverse the charges, and issue me a new debit card within XXXX business days. 

On XXXX XXXX I logged into my account and transferred the bulk of what was in checking to savings thinking that would protect my account from fraudulent withdrawals until I received my new debt card. 

I on or about XX/XX/2023 and I received notification of an overdraft. I didnt log into my account and saw that both the checking and my savings had been cleared out and it showed one transaction in the amount of {$1800.00} and XXXX transactions each in the amount of {$200.00} had been withdrawn from an ATM in XXXX XXXX XXXX XXXX 

I called Wells Fargo fraud department and reported fraudulent transactions. The Wells Fargo agent it looking at his computer records of my account re-confirmed that the {$1800.00} deduction was from XXXX ATM in XXXX and the other seven from a different ATM in XXXX. He also indicated that if his record shows that I called, Wells Fargo and reported a lost debit card and that a new debit card was issued. He also stated that I requested that the new card be sent to an address located in XXXX XXXX XXXX He also mentioned that in their investigation they would be able to get video recordings from each of the XXXX ATMs where the withdrawals were made, he also stated they had the ability to match voice inflection, to see if my voice matched the call made to report lost card & request new card be sent to XXXX address vs. my home address here in XXXX! He stated it would take them XXXX business days to investigate, they would cancel the new issued credit card and send me a new debit card to use going forward. 
On or about XXXX XXXX, I received another call from Wells Fargo but this time it was from their Claims Assistance Center to collect to collect {$470.00} in overdraft fees. 
The young lady had no knowledge in her computer system of the scam/fraud that had occurred on my account, or discussions I had with the fraud department on XXXX XXXX. She said she would file a claim on my behalf to deny these overdraft charges, and again I would hear Results of that claim in XXXX business days. 
* these are some claim numbers : XXXX & XXXX My debit card which was never lost is # XXXX and at no time to date have I received any replacement card! 
Todays mail I received a denial of claim letter!!
Product: Student loan

I have reason to believe that the loan servicer has increased the interest rate of the loan, additionally, there seems to be inconsistencies in the monthly calculations on applying the interest and principal. Request this matter be looked into.
Product: Credit card

I was charged a late fee of {$40.00} by American Express. In XXXX of this year CFPB passed a rule that all late fees are capped at {$8.00} and American Express is not abiding to this rule. I spoke to a customer service individual and they were not willing to follow this rule that was set.
Product: Vehicle loan or lease

I filed a complaint with you back in XXXX and was finally able to register my car, with my ex-husband 's name on it in XXXX of XXXX. I really need some help dealing with Capital One. They have now locked my app and are demanding that I call in with payments. I would like them, in good faith, to credit my account for One Month and to stop threatening me with re-possession, as my account is not as delinquent as they say it is. This is not a game anymore. I will be calling in my payment on Thursday afternoon when I get paid, according to our payment arrangement. I would also like to see a 1 Month credit posted to my account as I am sincerely frustrated with them. Please tell them my response to the financial hardship is that for about 9 months I could not use my vehicle due to the inability to register the car because of their titling issue. I did their work and got the Title from the State of New Hampshire when they told me they had it all along. It is still incorrect as my ex-husband is still on it. When I re-financed in XXXX, he released all interest in the vehicle and Capital one admitted to shredding documents. Can you please help me with this stupidity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate, I have spent 2 years disputing TWO accounts. Both by mail and over the phone. I even paid it to get it removed from my credit report! They continue to report inaccurate information.
Product: Credit reporting or other personal consumer reports

I submitted a claim toXX/XX/XXXXXX/XX/XXXXper the FCA and the CFPB they have 4 days to address the issues and have not at this point they are ebgaged in fraud and I want an investigation opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXX FL XXXX XXXX XXXX Owed : {$6000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.
Product: Checking or savings account

I have been in contact with Bank of America about my business account in reference to a merchant who has been billing my account unauthorized since XX/XX/XXXX claim # XXXX along with claim # XXXX for the month of XXXX leading into XX/XX/XXXX. XX/XX/XXXX I noticed my online mobile banking app account was locked and communicated to Bank of America and upon speaking with them they told me that they had decided to close my account and did not give me full disclosure as to why my account has been terminated, they then proceeded to inform me that I will not be able to withdraw all of my assets from my account. XX/XX/XXXX I received a letter stating that Bank of America may report the decision as to why Bank of America is closing my account and it may affect my ability to open other accounts with financial institutions for up to five years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX earlywarning.com/consumer XXXX XXXX XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, CEO Bank of America Corporate Center XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> American Express {$16000.00} information amount incorrect. 
XX/XX/year> XXXX Information amount is incorrect XX/XX/year> XXXX XXXX Information amount is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, I XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX 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
Product: Debt collection

My husband spoke as a representative to XXXX at XXXX XXXX XXXX where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for inaccurately reporting a late payment on my credit report. Despite providing official documentation from XXXX XXXX  that clearly shows a late fee for XX/XX/XXXX was waived, Experian removed the XXXX late payment but incorrectly shifted it to XX/XX/XXXX. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ) under : 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy in reporting.

15 U.S.C. 1681i ( a ) Failure to correct inaccurate information after a formal dispute.

15 U.S.C. 1681s-2 ( b ) Re-reporting inaccurate information after being notified of the error.

I have attempted to resolve this issue directly with Experian by submitting supporting documents from XXXX XXXX. However, Experian failed to fully correct the error. This inaccurate reporting continues to negatively impact my credit profile. 

I am requesting that Experian remove the late payment from XX/XX/XXXX and update my credit report to reflect the accurate status of my account as confirmed by XXXX XXXX. 

I have attached all relevant documents, including the official statement from XXXX XXXX, to support my claim. 

I appreciate your attention to this matter and request prompt resolution in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed.

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Equifax perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate.

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

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

A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.
Product: Debt collection

On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that Franklin Collection Services had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the spreadsheet letter I received from Franklin Collection Services that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Checking or savings account

PNC does not allow me to connect my checking account to XXXX financial.
Product: Checking or savings account

I rented a room for {$770.00} on XX/XX/XXXX and the agreement I had with the landlord was that once I was offered housing in my university, I will be receiving my deposit back to me. However, that has not happened since I moved out on mid-XX/XX/XXXX. He constantly assured me that I would getting my money back starting the beginning of XX/XX/XXXX. Then he said he was having a financial issue and told me that the latest would be XX/XX/XXXX. I have attempted to contact him multiple times in order to resolve this issue. He has completely ignored all the messages and even pretended to not know who I was. Recently, I have filed claims with Chase and XXXX. Chase told me that they were reversing money back to him and I find that unjust. I do not feel as if there was any investigation done with this fraudulent claim. I was deceived by the landlord making this a fraud. Chase told me to contact XXXX and ask for their help. I have contacted XXXX and they will be getting back to me within the next 24 - 48 hours to see if they will be able to file a chargeback. I would appreciate any help from your department in this matter. 

Thank You, I look forward to your response.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Date ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this importantmatter
Product: Checking or savings account

in early XX/XX/XXXX I stopped by a local NAVY FEDERAL CREDIT UNION OFFICE in XXXX XXXXl, NJ.

I only picked up a brochure.

on or about XX/XX/XXXX I received an ACCOUNT STATEMENT for an account that I DID NOT OPEN!

on XX/XX/XXXX after several calls I was directed to the CFPB and I spoke with XXXX   and she advised me to file a claim. I have only been delayed in filing this claim due to a family member passing away.

I am upset that a company or any company would be authorized to open an account without my permission or my social security number.

I feel that they are marketing by creating false accounts in the hopes that someone will set up an account.

I have the STATEMENT that I was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a rewards credit card with a limit of {$200.00} from TJX. I was late on one payment and since it wasnt much of a credit line I decided to pay off the card and close account. Theyre reporting a late payment on my credit even when I closed the account.