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

My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONN APPLIANCES INC - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Product: Debt or credit management

National Debt Relief is a fraudulent company. They provide terrible financial guidance and advice and put you in a much worse position then you would have been before signing up. They operate in a secrecy fraudulent manner where they will make your accounts go into delinquency, charge you 20 % " negotiation fee '' on top of each account that they " negotiate '' on your behalf, and do barely any work. They will " negotiate '' the smallest credit card first so that they can capitalize on making as much money as possible on your highest credit card that eventually goes into delinquency then collections by another law firm who then tries to sue you. XXXX also expects you to put XXXX the amount of the minimum deposit that they proposed for every deposit. By FEDERAL law, NO company can act on your behalf and provide false claims of " relief '' and paying off your debt if they are not directly paying off your debts in full as a loan. It doesn't matter if they choose to label their fees as a " service ''. Know your rights and know the law. They are prying on struggling individuals and families and giving a false narrative of help. In my experience, I started in XX/XX/XXXX. All year they falsely stated more then XXXX ( after I instructed them XXXX times to start with XXXX XXXX ) that they sent a proposal to Chase bank on my behalf, when they indeed DID NOT. XXXX sent me a proposal directly at the end of year in XXXX for almost 40 % less of the original debt. When National Debt Relief was questioned and put up against the wall by me requesting proof of communication such as correspondences, rejection reasons and names and positions speaking on my behalf with XXXX, they denied my request from email, phone calls to letters sent by mail. An entity who is appointed as a power of attorney has the legal obligation to provide ANY and ALL documents requested by who they represent. National Debt Relief is a bait and switch company that needs to be shutdown immediately. It is now XXXX months and they have been trying to run me in circle 's and denying my request because they are very well aware that they are committing fraud. I will be exercising my next steps to hold them responsible. 

XXXX needs to be sued and shutdown just like other fraudulent companies doing the same. 

Here is a reference of a XXXX lawsuit : https : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX a natural real person. After informing each credit agency of the errors on my credit report and the violation of not only the fair credit reporting act and the privacy act of 1974, they have continued to ignore my rights and ignored my request of deletion of these accounts.This is my last step of requesting for help or I will take legal action. I am very committed to ensuring my rights title an interest are given to me. Furthermore by not informing me within 5 days of receiving my dispute each credit agency violated 15 U.S. Code 1681 ( i ) ( 2 ) ( A ) - Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. Under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. And as a consumer my rights have not been treated with respect. Furthermore Each credit agency has continued to violate section 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. They have once deleted XXXX XXXX XXXXXXXX and then reinserted it into my file and did not give me anything in writing within 5 business days stating reasons or proof of error. Under 15 USC 1681 ( a ) ( e ) investigative consumer report the steps outlined in proving accuracy was not properly executed. I want each account below deleted immediately
Product: Checking or savings account

My account was placed in a debit only state by USAA due to needing to submit ID for identification. This was on XXXX XXXX. ID was submitted and told it would take XXXX for the status to change. Today is XXXX XXXX and I have called back XXXX  times and being told the same thing. Today upon speaking to someone, they said it could take up to XXXX more days to get access even though identification was accepted and authorized. At this point it is getting ridiculous. I would double think opening an account with USAA as they are not as military friendly as it seems. They do not care about our well-being clearly.
Product: Credit reporting or other personal consumer reports

I reported a lot of credit inquiries that I do not recognize on my three credit report to agencies today on XX/XX/year>, these have happened sometimes on various dates this year and the last year. I would like all of this bad information removed off my reports asap. Their were various dates were the hard inquires where credit was applied for but not off inquiries were not approved loans, none of inquires are not attached to any accounts on my credit report that I know of professionally. Please help me resolve this credit report issue going forward.
Product: Credit card

I paid a Best Buy credit card balance in XXXX ( amount XXXX ). Apparently this payment was received a day late. Then today XXXX XXXX, I receive a statement saying I owe XXXX in late fees and interest for not paying a XXXX initial late charge that was due apparently in early XXXX. I received no bill in the mail in XXXX and that did n't seem strange to me because I thought I had a XXXX balance. Now here is the issue. A XXXX late fee on a XXXX late payment is a 64.96 % late fee. This is not interest but usury! Now top that off with a XXXX late fee for not paying the XXXX bill ( which again I did not receive ) amounts to a 102 % late fee charge on the late fee. And this is legal?! It should n't be. Now the nice lady on the phone that heard my rant ( I did ask her how she could work for such a low life company ), was willing to remove the XXXX late fee on the late fee, which left me with a XXXX initial late fee to pay. I believe such a fee is immoral/and only describable as " greed ''. A {$10.00} late fee and the check would have been in the mail as soon as I knew I still owed anything ( which I remind you was TODAY, not sometime in late XXXX with a due date in XXXX ) but a nearly 65 % late fee. I 'm not taking it lying down. Irony : I just spent {$1400.00} at BB two weeks ago on a new computer. I am seriously considering carrying it right back in and asking for a refund. So BB you can take me for {$27.00} or I can return my {$1400.00} computer. You decide. Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX   credit card, all of my store credit cards. There was a {$10000.00} XXXX credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with Transunion and XXXX, but have not received any response. I can not reach a live person with XXXX  to file a dispute for both of the accounts from XXXX and XXXX that are not valid.
Product: Debt collection

in XXXX we order XXXX service but had to cancel becuase bad service but was still bill XXXX in now in collection ics collection refrence # XXXX and acount # XXXX tel XXXX XXXX XXXX XXXX ic system im not working know im home sick from XXXX and this company is harasing me
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, we used Wise to transfer XXXX AUD to a personal bank account at the XXXXXXXX XXXX XXXX XXXXXXXX. According to Wise, the transfer was processed and left their system successfully. However, after repeated checks with the recipient and the XXXXXXXX XXXX it has been confirmed that the funds were never received. 

In response to our queries, we provided Wise with the recipient 's bank statement as proof that the funds were not deposited into the intended account. Despite this evidence, Wise informed us that the matter could take months to resolve, offering no assurance or clarity regarding the whereabouts of the funds. 

It is troubling to learn that this issue is not isolated. Upon further investigation, we discovered numerous complaints online from other Wise customers reporting similar experiences of disappearing transfers. Despite these concerns, Wise has failed to provide a definitive response regarding the security of our funds or any guarantee of reimbursement. 

We urge the CFPB to investigate this matter thoroughly, as it raises significant concerns about Wise 's accountability, transparency, and consumer protection standards. Furthermore, we seek assistance in recovering the XXXX AUD transferred, ensuring this does not occur to other consumers.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX  ; 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: Credit card or prepaid card

During XXXX XXXX, Capital One closed my checking account and savings account and restricted access. I had evacuated to XXXX XXXX, Florida which is where the eye of the storm made landfall. 

During the storm, we were trying to make a purchase to be able to watch the news on my phone as the WiFi and electricity had gone out. Our only lifeline to the outside world would have been through the phone but because Capital One decided to close the account, I was unable to use my funds to do so. 

I did not have access to my money or account for the next 24 hours which was desperately needed to get gas and food. I called Capital One and the people I spoke with did not give the slightest amount of care. 

I was told that a dispute I put in several months ago with XXXX had resulted in them closing my account. I disputed XXXX {$6.00} charges with XXXX that I did not authorize and Capital One approved all but one of them. I called XXXX to find out why these were disputed and XXXX couldn't find the charge. Because it was simply {$6.00}, it wasn't worth my time to find out why Capital One reversed the dispute. Fast forward several months and my phone carrier, XXXX XXXX, double charged me for the bill. I immediately disputed the charge with Capital One and then contacted XXXX XXXX. At first XXXX XXXX was unable to see the double charge and stated that the dispute would be the most effective route to get this issue corrected. A few days later, they did find it and refunded me. 

However, during that time Capital One decided to close my account carelessly in the MIDDLE OF A CATASTOPHE!!!!!!!!!! and not give a XXXX about it. 

Now, I want the following to occur : 1. Close my accounts and release the remaining funds OWED to me.

2. Close my credit card account and refund my security deposit 3. Cease and desist ALL communication with me including but no limited to, advertisement, marketing, etc. 

Capital One, its affiliates, subsidiaries, employees, etc. Have NO authority to contact me. 

For the SOLE purpose of this dispute, Capital One may contact me by Phone during business house of XXXX - XXXX EST ONLY and ONLY in regard to this complaint. 

I will also require a response, along with an apology in writing. The way this was handled is absolutely atrocious and I am uncertain how it is legal to steal someones money in the middle of a major catastrophe. What if I was sheltered away from home and needed to access my funds to pay for a hotel or food or gas? 

Do better, but not only have you lost a customer in me, you have gained an enemy and I will forever let everyone know the type of scum this institution is.
Product: Credit reporting or other personal consumer reports

I sent off a letter on XX/XX/2023. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I didn't sanction these inquiries and firmly believe they're deceitful. I urge you to carry out a comprehensive investigation and promptly erase them from my credit file.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


EQUIFAX EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Debt collection

on XX/XX/XXXX I received a notification from credit bureau that a collection has been opened on my credit profile. 
I never lived at that address where the debt collector is suggesting that I owe a balance on. Submitting all proof that I never lived at that address to be able to owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB After making several attempts to get Experian to remove the inaccurate information including old addresses that, according to the FCRA I, as a consumer have the right to have removed from my report, Experian has refused to remove these inaccuracies off my report, responding that I would need to speak to those who placed them there, EXCUSE ME!!! Federal law says I can have them removed. 
Since Experian has refused to comply with Federal law and by their non compliance to that law as well as XXXX XXXX we have decided to give Experian 15 days from receiving this communication to remove these inaccuracies or there will be legal action taken against them by our attorneys.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PARAMT REC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX to Axos Bank effective XX/XX/XXXX. I have always paid every mortgage payment on time, and I made the final payment to XXXXXXXX XXXX  on XX/XX/XXXX. However, despite numerous attempts to rectify the problem, Axos Bank still has not posted the XX/XX/XXXX payment to my account. Axos Bank continues to send me statements claiming my account is past due, when it is not. I have tried calling Axos Bank, but they leave me on hold forever. I sent an email to XXXX  on XX/XX/XXXX, but got no response. Then I sent a Qualified Written Request letter to the proper Axos Bank address on XX/XX/XXXX, but have received no response. Both times I attached documents proving that I made the XX/XX/XXXX payment ( same documents I am attaching here ).
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding several fraudulent items that have been reported on my credit report. Despite my multiple attempts to address this issue, it remains unresolved. I have made XXXX attempts to correct the inaccuracies on my credit report related to fraudulent activities.. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please respond within the exact timeframe confirm that these corrections have been made or to provide an explanation if further investigation is required. I am now asking for your help to correct the accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$73000.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries I am a victim of identity theft 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX XXXX, XXXX, and Equifax. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law 15 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

When I purchased the car the ticket was XXXX. I was supposed to pay XXXX for the car. I'm actually paying XXXX for the car .I purchased it in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX