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

I am writing to you as the holder of credit card account number XXXX XXXX Account # : XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as 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.

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 : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Kirschenbaum & Phillips PC. XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Tel. # ( XXXX ) XXXX liened my bank account in the amount of {$6300.00} plus {$120.00}. Fees for a debt they claimed dated back to XXXX. I have no record or recollection of this debt from XXXX years ago. They appear to have quite a bit of information on me, but I know nothing about a XXXX XXXX overdraft account. My Credit history reports are clean. This XXXX debt claim is unacceptable and I need my bank account released immediately. Respectfully XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from Orion 's group called my immediate boss to gather personal information about me and my main line employer line requested to speak with my HR department to get information about serving me papers at my personal residence. I called and he would not let me ask how I can get the papers ( even suggesting signature required/certified mail ), even after I said it was okay to serve me at work, then he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Also, 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1684 Section 604 A Section 2 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

This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Product: Vehicle loan or lease

I have been waiting for Nissan motor acceptance to wend me a copy my agreement and arbitration agreement
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to report serious issues with Crypto.coms target price order feature that constitutes unfair and deceptive practices in financial services. 

Issue Description The platforms target price order feature consistently fails to execute trades as advertised. Support staff eventually admitted orders are not 100 % guaranteed to execute due to liquidity issues - a critical limitation that was not prominently disclosed during order placement. 
Specific Orders and Losses On XX/XX/year>, I placed the following orders that failed to execute despite reaching target prices : XXXX ( XXXXXXXX XXXX XXXX Orders XXXXXXXX XXXX  at XXXX XXXX ( value : XXXX XXXX ) XXXX XXXX at XXXX XXXX XXXX ( XXXX ) Orders XXXX XXXX at XXXX XXXX ( value : XXXX XXXX ) XXXX XXXX at XXXX XXXX ( value : XXXX XXXX ) Deceptive Practices 1.Support staff avoided direct answers about order execution requirements 2.Platform failed to disclose that orders require constant monitoring 3.Terms and conditions do not clearly state execution limitations 4.Support could not point to where these limitations were documented Consumer Impact Direct financial losses totaling XXXX XXXX Lost trading opportunities Time wasted monitoring failed orders Mental stress from platform malfunction All orders and the conversation with customer service are attached.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX  XXXX XXXX This account is not mine i have reached out the company and they have not responded to me it's been over 30 days and i want this removed from my credit report ASAP
Product: Debt collection

I disputed the debt online through credit agency. They sent a letter advising that I needed to call by XX/XX/2022. I called numerous times and I get the run around. This is not a valid debt and I am requesting verification. They are refusing to provide verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my TransUnion credit report - under identification number XXXX - I determined that a chapter XXXX bankruptcy was being reported incorrectly inasmuch as I have never filed for bankruptcy. 

Several disputes were directly filed to TransUnion with no result. No proof has been provided as to the name, social security number or other personal identifiers of the individual filing for bankruptcy in the XXXX XXXX XXXX Florida. 

I demand a complete investigation of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have previously disputed this item with Experian regarding XXXX XXXX XXXX XXXXXXXX XXXX # XXXX and in response they verified the item as accurate, stating that they have verified the information with the court. I contacted the court myself previously and their response is enclosed. It is clear they do not report to EXPERIAN or to any credit bureau for that matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX XXXX. My Address - XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
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.

, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 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

Complaint ID XXXX On XX/XX/2020 I received an email saying ' The company has responded that it is still working on your issue. ' That has been almost 4 weeks ago. Now, it is time to pay my payment again, and I can't access my account. The following is from my account page online with Yamaha. 

HOMEPAYMENTSCONTACT USLOG OUT Account Home USER DETAILS Name XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AL Zip XXXX Email XXXX CURRENT ACCOUNT No accounts available to view. 

WHY IS MY ACCOUNT NOT AVAILABLE TO VIEW?? 

When I click on the payment tab, the following is the message I received.. 
HOMEPAYMENTSCONTACT USLOG OUT Payment Error Unfortunately we are unable to access your accounts at this time. Please call customer service for assistance. 

WHAT IS GOING ON??? 

MY PAYMENTS HAVE TO BE MADE ON TIME. IT APPEARS YAMAHA DOES NOT CARE ABOUT CONSUMERS WHO ARE PAYING THEIR INCOME. YAMAHA HAS EXHIBITED NEGLIGENCE IN THEIR RESPONSIBILTY TO CONSUMERS, IN THE RESPECT OF FINANCE AND THE CONSUMER HAVING THE ABILITY TO MAKE TIMLEY PAYMENTS..
Product: Credit card or prepaid card

I paid my account monthly like I always do in XXXX and XXXX to Victorias Secret comenity bank. I Received a payment reminder in XXXX that the account is current and the minimum payment is due. Everything on my statement said my account was current. I received a phone call XX/XX/XXXX stating I haven't made a payment since XXXX. The electronic correspondence said nothing being past due. I Called to find out what was going on and the payment I made in XXXX was trying to pull from a bank that was not mine. I have no affiliation with XXXX XXXX. Therefore I would not receive a phone call from my bank to let me know because this bank is not mine. If any problems happen with my bank, XXXX XXXX, I would be notified. The person who took my phone call also thought this was odd and probably a mistake on their behalf and was going to put it into a dispute status. She never filed. I called to find out status of the dispute and the gentleman said it was removed and they would credit a late payment. Went to check my report 15 days later and it was not removed. I submitted another dispute. At this moment I have tried to dispute this 3 times and this last time actually made my report worse? They removed the 60 days past due in the second dispute and it reappears on the status today. This is an error on comenity banks behalf and there was no correspondence That my account was late. All correspondence up to XXXX statement said the account was current. I want this off my credit report for I find no error on my behalf. I was told on the first dispute it would be removed. After it was not as promised I have disputed three times. I have been trying to work on this for almost 75 days! Please help!
Product: Credit card or prepaid card

Capital One marked by account as 'restricted ', I can no longer make purchases or access my {$1600.00} in cash back. I have spoken with them numerous times over the last 3 months and provided countless requested documents. Every time I submit the requested documents they come up with something else that they need or state that a document I sent in previously is now expired. I have gone as far as getting a new social security card because they stated the 'wording ' on my original one ( from XX/XX/XXXX ) was wrong! The last time I spoke with their customer service they stated that I can close my card at any time almost as if that's what they wanted me to do. I have a {$25000.00} limit on this card with a low interest rate and good cash back program so this is the last thing I want. The cash back amount I have received the last few years is 3-4 times the amount in interest that I have paid which leads me to believe that they're simply doing this because I am not a 'profitable ' customer to them. During this whole process I am unable to use my card or redeem my cash back while they collect interest on roughly {$6000.00}. Since XX/XX/XXXX I have only made the minimum payment due. I will not pay this amount off in full until they at least release the cash back earned so that I can apply it to my account.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX is not mine. Portfolio Recovery is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.
Product: Checking or savings account

I am writing to formally file a complaint against Wells Fargo for the handling of my customer service escalations, particularly in relation to their XXXX office representative, XXXX XXXX. 

My interactions with Wells Fargo have repeatedly resulted in my cases being referred to XXXX XXXX, who has consistently failed to address my concerns. 

Background of the Complaint : Since XX/XX/year>, I have raised multiple complaints related to XXXX XXXX mediation process used for addressing the illegally added banking products they added to my account between XXXX. Every time I reach out to Wells Fargo for a resolution, the case is escalated to their XXXX office and assigned to XXXX XXXX XXXX phone number XXXX ). 
This has happened despite my repeated requests for an alternative point of contact to ensure fair and unbiased handling of my concerns. 

Concerns About XXXX XXXX : XXXX. Failure to Address Specific Issues : One of my primary concerns involves the lack of a pre-mediation offer for the XXXX product. Despite multiple attempts to obtain a clear explanation and resolution, XXXX XXXX has refused to provide a breakdown of the Mediation process, citing proprietary information as the basis for not escalating my complaint to a member of management. 
XXXX. Bragging About Being the Only Point of Contact : During our conversations, XXXX XXXX has repeatedly stated that he is the final and only point of contact for complaints, implying that no further escalation or resolution is possible beyond him. 
XXXX. Self-Referencing in XXXX XXXX : Each time I have raised a new or ongoing issue, XXXX XXXX has taken the case from other agents and assigned the case back to himself, leaving me without the opportunity for a second opinion or unbiased handling by a different representative. 
XXXX. Potential Bias : I have found XXXX tone to be condescending and dismissive throughout everyone of our interactions. I believe this behavior could be influenced by XXXX bias, as I have noticed a stark difference in how my concerns are treated compared to similar issues resolved by others at Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.
Product: Mortgage

Selene finance incorrectly determined that there was a lapse in my home owners insurance. As a result, they purchased a policy on my behalf without notifying me. This increased my monthly payment, also without notifying me. I continued to pay my regular monthly mortgage payment on time. They perceived a discrepancy in the monthly amount due. As a result, as I paid my monthly amount, they held it in an " unapplied status '', meaning they did not apply it to the account. They just held it. Also did not notify me. This made the account overdue. which it was not. They then reported an over 30 days past due amount to the credit bureau. Selene has all payments up to date yet is reporting past due. This has caused me to be denied a refinance loan and is negatively affecting my credit report. I have tried to call them, email them and use their online chat feature. Each time I am met with confusion on their part. I have made 3 phone calls to address the {$2500.00} that is being held but not applied to the loan. Each time I am told it is resolved, then it is not resolved.
Product: Mortgage

Early this year I contacted XXXX XXXX XXXX  indicating I was not notified of a change in escrow and subsequent past due payment, as a result of Escrow Changes. The payment was short the recalculated escrow amount. Please see the attached communication that was provided to the the Bank. 

I was just made aware of another escrow shortfall due to a change in escrow analysis. The response from lender is attached, and is a satisfactory solution. 

Attached is a view of the online banking system, which does not indicate any shortfall in payment.
Product: Credit reporting or other personal consumer reports

Today, I had found out that the items I want to removed previously on my dispute remains on my credit file. However, I want to remove it immediately with your help. Per FCRA section 605b, the Credit Bureaus are required to remove any items listed on an identity theft report. Please find the required documents to assist in the deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. For this unresolve issue, I am pleased to ask an immediate help from you to remove as soon as possible these negative items which i do not recognized as truely mine : XXXX XXXX XXXX, RI XXXX ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} XXXX XXXX   XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}
Product: Debt collection

I filled for bankruptcy in 2012 the company/payday loan company CHECK MATE was notified as of such and a year ago they contacted me about the debt and I told them once again I filed bankruptcy on this loan and they stated sorry wont bother you and then today they had a man XXXX, XXXX XXXX contact and threaten me yet again about a judgement going against me for this payday loan. He clearly stated that it was for CHECKMATE payday loans and I clearly told him I filed bankruptcy 4yrs ago on this loan.
Product: Credit reporting

i have XXXX hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them